How We Grew a Client’s Portfolio 42% in 3 Years

November 5, 2025 • 7 min read • Client Story

Mr. Adebayo, a 48-year-old tech founder in Wuse Zone 5, started with ₦50 million in 2022. His goal: retire by 60.

Three years later — despite 40% naira depreciation — his portfolio is ₦71 million. That’s a 42% CAGR.

The Strategy: 40/40/20 Allocation

• 40% Equities: NGX banking + US stocks via Risevest
• 40% Fixed Income: FGN bonds + Meristem funds
• 20% Alternatives: Gold + Lagos REITs

Results

• 2023: +28% (equities)
• 2024: +10% (stability)
• 2025 YTD: +18% (alternatives)

“Riversand turned volatility into opportunity.” — Mr. Adebayo