“The most powerful force in the universe is compound interest.” – Albert Einstein (allegedly, but the truth still stands.)
You’ve hit the big milestone. ₦100 million saved. Age 65. A full-circle moment.
Whether you’ve been following our 100M65 plan or simply hit your retirement goal through years of hustle, savings, and smart decisions, congratulations! You’re not just financially free, you’re ahead of the curve.
But the question hits next:
Now that I’ve hit 100M65, what’s next? And for younger readers eyeing that finish line, is this even worth the sacrifice?
Let’s bridge both worlds. Because the truth is: 100M65 isn’t the end, it’s the launchpad.
📈 Enter: The Magic of Compounding
We all know Warren Buffett as one of the richest men alive with a net worth of $159 billion (Bloomberg). But here’s a plot twist:
Over 95% of his wealth was made after age 65.
At 65, Buffett was worth about $3.8 billion. By 94, he crossed $130 billion. Why? He let compounding do the heavy lifting. Not by chasing risky bets or cashing out early, but by staying in the game long enough for his money to start growing on top of itself.
That’s compounding in a nutshell: earning returns on your returns, and then doing it again, and again, and again.
💡 With our 100M65 plan, the hard part is done; you’ve essentially built the base. Now it’s time to grow it into something truly generational.
🇳🇬 Why Nigeria Is the Perfect Playground
Let’s talk local.
Nigeria’s investment scene is hotter than ever. As of the 28th of May 2025:
- The NGX All-Share Index is up 8.43% YTD.
- Stocks like Presco Plc are surging (+89.47% YTD!).
- BUA Foods and Dangote Cement are climbing steadily.
This is not just a lucky streak. These companies are expanding, reinvesting, and rewarding long-term investors. That’s the compounding fuel.
Now picture this:
You’re 65, and you've already hit your 100M65 goal. You’ve decided to invest ₦10 million into a trust for your grandchildren! Your goal is to create a portfolio that aims for an average annual return of 15%, compounded quarterly. It’s a wonderful way to set them up for a bright financial future!
Here’s what that could look like:
Even with inflation, your money is working harder and smarter. That’s how you move from financial freedom to legacy wealth.
👀 For the Younger Crowd Asking, “Is This Worth It?”
Let’s be real:
Saving for 40+ years in this economy sounds... unrealistic.
But that’s where the 100M65 plan on InvestNaija comes in. It’s designed to help you plan backwards, from ₦100 million at 65 to daily, weekly, or monthly targets that make sense today.
And here’s the beauty:
You don’t need to start with millions. You just need to start early and stay consistent.
If you’re 25 today and you save just ₦5K monthly in the InvestNaija 100M65 plan on the app, you can hit 100 million naira at the age of 65 easily! Let time and compound interest do the work. Just like Warren.
🔁 What to Do After 100M65
Now that you’ve made it, here’s how to keep building:
✅ Stay Invested
Don’t “cash out” and let the money sit. Reinvest in growth assets; the same mindset that got you here will take you further.
✅ Diversify
Split your money across different asset classes. Think Mutual Funds, Stocks, REITS and Commodities. Less drama, more balance.
✅ Reinvest Everything
Don’t just collect dividends, reinvest them. That’s how you grow from millions to multi-millions.
✅ Balance the Risks
Inflation and FX volatility are real. So, mix your equities with FGN Bonds and stable funds to stay grounded.
✅ Treat Retirement as Phase 2, Not the Finish Line
Warren didn’t stop at 65. Why should you?
📌 Next Steps with InvestNaija
Here’s how to get going:
🔎 Review your 100M65 plan and explore what’s next.
🚀 Use InvestNaija tools to track, plan, and rebalance with ease.
📞 Speak to a financial advisor if you want help customising your post-65 strategy.
🧠 Final Thoughts: Compounding Is Wealth’s Best-Kept Secret
If you’ve reached 100M65, you’ve already done what most can only dream of. But the journey isn’t over. It’s evolving into Legacy wealth.
And if you’re just getting started, this is your wake-up call. Start small, stay consistent, and let time multiply your efforts.
Your older self will thank you. So will your kids. And probably your accountant.
🚀 Ready to start (or continue) your journey?
Download the InvestNaija app today to explore and track your 100M65 goals.
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