A client once asked me: "Why put money into an off-plan property when Treasury Bills give decent returns?"
It’s a fair question, but it reveals a common blind spot.
The Anatomy of Nigeria's Dead Capital Crisis
Treasury Bills preserve capital. Off-plan real estate builds it.
Here’s why:
- Time Advantage: You buy at today’s prices before infrastructure, demand, and recognition push values up.
- Development Participation: Every road, facility, or upgrade during construction adds value you didn’t pay for initially.
- Smart Payment Structures: Instalments mean you’re earning returns on capital you haven’t fully deployed yet.
- Inflation Hedge: Physical assets protect value in ways paper investments can’t.
When you buy completed property, you’re paying for value already created. Off-plan positions you at the start of the growth curve, where the compounding happens.
In Lagos, with 20 million residents in sight and Nigeria’s real estate market set to grow 6.91% annually through 2029, the opportunity is clear:
Predictable returns are safe.
Strategic returns are transformational.
The investors who understand this aren’t just collecting interest, they’re participating in the economic transformation of entire cities.
The question is: Are you optimising for safety, or are you building generational wealth?
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