Time in the market
A regular monthly amount spreads purchases across many years and prices. Over a long horizon, the portfolio is shaped by contributions, any dividends reinvested and share price movements, which can go down as well as up.
Long-term investing goal
Invest monthly for your child’s future
Start a monthly Nigerian share investment plan for your child. Shares are bought through a regulated broker and registered directly in their name on the NGX.
Why start investing for your child early
Starting early gives a portfolio more time: more months of contributions, and more dividend dates along the way. What it is worth later depends on the shares chosen and the market.
Shares in their name
Through Shares Saver, shares are registered in your child's legal name at CSCS level. They become a genuine registered shareholder — not just a balance on a platform.
Dividend income from an early age
As a registered shareholder, your child is entitled to dividends declared by NGX-listed companies in their portfolio. These can be reinvested or saved for the future.
How investing for your child works
- 1
Create an account
Set up a Shares Saver account with your details and complete identity verification, then add your child as a profile of their own and switch into it.
- 2
Choose companies
Browse NGX-listed companies and choose one or more to invest in for your child's long-term portfolio.
- 3
Set a monthly plan
Set a monthly amount that suits you. You can change or pause it at any time.
- 4
Shares registered in their name
Regulated broker partners purchase and register the shares in your child's name. They become a registered NGX shareholder.
Important
This page is for educational purposes only and does not constitute investment advice. Share values can fall as well as rise. Shares Saver does not guarantee investment returns. Past performance is not a guide to future results.
Frequently asked questions
Can I buy Nigerian shares in my child's name?
Yes. Shares are bought through our regulated broker and registered in your child's own name, in a CSCS account of their own. Your child is the registered shareholder, and you can run monthly plans for them exactly as you would on your own account.
How do I set up an account for my child?
Sign in, open Managed profiles and add your child as a profile of their own on your account. To invest for them, open the account menu and choose their name: an “Acting for” banner with their name shows while you act for them. Switch back to yourself the same way.
Is it only for children?
No, and there is no age rule. You can add anyone you look after, a child or an adult you manage because of a disability, learning needs or another reason, and invest for them in the same way.
Can I manage several children, and can a child have more than one guardian?
Yes to both. A guardian can manage several children or wards from one account, and a child can have more than one guardian, for example both parents.
Does my child need a BVN?
Your BVN is never copied onto your child's profile. If your child has a BVN of their own, add it; if they do not, we rely on the verified BVN on your own profile.
Does my child have to be Nigerian?
Yes. Shares Saver is for Nigerians, so the person you add must have Nigerian nationality. You need a verified Shares Saver account of your own to add them.
How much do I need to start investing for my child?
Shares Saver is designed to make investing accessible with small, regular amounts. Check the app for current minimum plan amounts.
What does it cost?
The same as any Shares Saver account: ₦1,500 plus 0.4% per transaction, plus the standard broker and exchange charges. There is no extra charge for a child's profile. The pricing page sets out every charge.
How do I pay for my child’s plan?
Your child's profile keeps its own saved cards, separate from the cards on your profile. While you are acting for them, add the card you want to pay from and use it for their plans and purchases.
Will my child receive dividends?
Yes. As the registered shareholder, your child is entitled to any dividends declared by the companies they hold. Dividends are paid to a bank account in your child's own name, which you add to their profile. You can add it later if they do not have one yet.
Who gets the receipts and emails?
You do. Receipts and emails about your child's account go to their guardian or guardians, not to the child.
Can my child sign in themselves?
No. While the profile is managed, only a guardian can act for it. When your child is ready to run it, for example on reaching adulthood, ask us and we hand the account over: it is set up with your child's own email address, they receive an email to set a password, and your access to it ends.
What happens to the shares as my child grows up?
They stay registered in your child's name in their CSCS account for as long as they are held. Their value can rise or fall like any shares. When your child takes the account over, the shares are already theirs; nothing has to be transferred.
Can I close my child's account?
Yes. Request it from your child's profile. We work with you to close the account safely, settling anything still open such as orders, payments or holdings, and we keep only the records the law requires for regulatory and tax reporting. While you still manage someone, you cannot close your own account without contacting us first, so that their account is not left without a guardian.
Do you tell me which shares to buy for my child?
No. Shares Saver does not give investment advice or recommend what to buy, sell or hold. You choose the companies, and the company profiles set out the facts to help you decide.
Start building their future today
Create a free account and set up a monthly plan for your child. Shares registered in their name from day one.