Efosa is a banking officer in a first generation Nigerian bank. He has a salary of 320,000 a month. His annual rent is in Ifako, Gbagada in Lagos is 750,000, and spends roughly 100,000 monthly on home expenses. Efosa plans to build a house in Benin on the land bestowed to him by his Dad in a few years, but is having sleepless nights on increasing expenses, expectant wife and dwindling savings. Efosa decides to become a member of Synollo and identify an opportunity within his risk appetite. Efosa decides he wants an opportunity that allows him to buy land in a new neighborhood with prospects to increase in value in the next 2-3 years. He goes for one which allows partake in the purchase of land in a new estate near the free trade zone in Lekki with expected capital appreciation of 400% in the next 3 years. He invests NGN100,000 from this monthly salary to own 1% of a NGN10Mio purchase, which will be used to buy 4 plots of land in Abijo.

Segun a manager in an international financial advisory company with a monthly take home of NGN1.2Mio. His remembers his dad telling him of the mid 1980’s when he was in the Ministry of Education, that he was offered land in Lekki 1 for NGN30K, but they could not afford it, and the same land went to NGN1.5Mio in 1992, NGN20Mio in 2002 and 120Mio in 2019. Segun promises not to be a “had I known Guy”, and buys a land at every possible chance. The only challenge is that he is leaving from hand to mouth and borrowing for the basic of things. Segun needs a breather while still taking advantage of capital appreciation. Segun buys 1% each in 3 land purchases costing him NGN100,000 each with sale tenor of 3 years, 5 years and 7years respectively. “Bad as e BAD” the NGN300K every other month would not kill him, and he is sure that he will be getting capital appreciation over this long period.

Kelechi has been in business for a while. He has seasonal income and also needs to diversify his portfolio. With talks of devaluation in the air, he has to find a way to make his money work for him. He is looking for where to tie in some cash for a 12-18month cycle with guaranteed returns. He decides to invest into a property development with an experienced and accredited Synollo partner-developer and expected returns of 22%. He gets weekly reports on the progress, and CCTV coverage on his phone. He puts in NGN18Mio for 10% investment into the NGN180Mio development project.

Hauwa is a fashion forward millennial who works in a top O&G company, with a taste for high fashion and the finer things in life. One of her habits is to buy 4 bundles of premium 26inches human hair every month which sets her back 450K. She looks good but has a poor investment culture. Her bestie Beatrice from back in University of Reading tells her about Synollo, and she gives it a try. She buys into an option that allows her to take part in a Land acquisition, development, rental and future sale. Her investment of NGN800K, gives her 1% ownership of a 6no. 3 bed flats development. She will also get rental income (post construction) for 3 years, and capital appreciation at point of Sale of the block of flats

Ekaette has paid her dues, and has risen to become a General Manager in Global Subsidiaries local office in Nigeria. She has a healthy portfolio of stocks, fixed deposits, and houses. She needs to make her money work for her, as she fears currency devaluation. She needs to earn money in foreign currency. She opts for a US property purchase, optimization, rent for 2 years and sale.

Fintech guru Michael, started coding while in secondary school. Finished top of his class in a cool private university. Worked in a couple of companies but realized paid employment was not for him. Broke out to start his fintech company. Has has just raised a decent series B funding, and the cash flow from his company is growing by the day after recent expansion. He wants to start early to invest his growing income into co-ownership of real estate assets.