Business
WHICH WOULD YOU CHOOSE; CRYPTOCURRENCY OR REAL ESTATE? By Dennis Isong
WHICH WOULD YOU CHOOSE; CRYPTOCURRENCY OR REAL ESTATE? By Dennis Isong
The most common investments that can fetch you a lot are Cryptocurrency and Real estate. So, when you mention investment, these are the two that easily come to mind.
Over the years, both have proven to be worthy choices, meanwhile, this is not to say that each doesn’t have advantages and disadvantages. However, if you are perplexed about where to put your money, you may seek the assistance of your financial advisor.
Let’s talk about real estate.
What is real estate investment?
Real estate investment is the purchase, management, and sale or rental of real estate with the intent to make a profit whether immediately or in the long run.
Real estate has a great track record of price appreciation in 2022.
PROS OF REAL ESTATE
–Steady cash flow
If you deal with rental or land flipping, you should be smiling to the bank all the time because you keep having cash flow all round year.
–Long-term security
Real estate promises safety for a long time. If you bought your property from a reputable company and your property is not built in a way that may obstruct future development, hence, demolishing, then you should rest assured of long-term security.
–Protection against inflation
This is not a big concern to you. Once your property is working for you, then, the effects of inflation on you are highly minimal.
–Appreciation
Property hardly depreciates. As the year goes by, it keeps appreciating and whatever decision, in terms of reselling the property is such a profitable one at the end of the day.
CONS OF REAL ESTATE
–High maintenance
Building a structure is not as expensive as maintaining it. You could spend a fortune on maintenance especially if a part of the house is not properly fixed, for instance, the plumbing aspect.
–Capital insensitive
Real estate requires a whole lot of money, so you have to be financially ready before you begin.
What is cryptocurrency investment?
Cryptocurrency, which has bitcoin as the most famous investment option. It is backed by blockchain technology, bitcoin is touted as an immutable currency. These digital currencies act as a medium of exchange globally as an alternative to money. The cryptocurrency had its tremendous run in 2021, with bitcoin hitting all-time highs of around $68, 000 in November, bitcoin is indeed the attention it deserves.
As more people set their eyes on digital assets as another possible investment, their popularity might grow further.
Moreover, cryptocurrencies such as bitcoin have a lower entry barrier when compared to real estate.
This allows the average investor who does not have a lot of capital to spare to start his investment journey.
Cryptocurrency is relatively new, there’s not enough data to calculate its value. As recent price fluctuations show, the market is volatile.
In a twinkle of an eye, you could lose everything and go back to square zero. However, if you are willing to take the risk, you might be lucky.
PROS OF INVESTING IN CRYPTOCURRENCY
-Transactional freedom
You are free to do anything without waiting for documents to seek the approval of the government.
–Easy to trade
If you know your way around it, you can sit in the comfort of your home to trade.
–Low maintenance
Unlike having structures to maintain, cryptocurrency does not require any sort of maintenance. Technically, your investment is virtual.
CONS OF INVESTING IN CRYPTOCURRENCY
–Not a tangible asset
Just like I said with the pros of cryptocurrency, it is a virtual investment and not an investment you can heavily depend on.
–Security issues
Anything can happen. Your account can be hacked and you end up losing everything.
–Little or no government involvement
When the government is not involved in a certain sector, it is dangerous. This means, it has no law guiding it, so, whatever happens, you are solely responsible to bear the loss.
-High risk
There’s no certainty of what would happen in the next few minutes. It’s in two ways, “win big or lose flat out.”
REAL ESTATE VS CRYPTOCURRENCY; WHICH INVESTMENT IS BETTER?
Choosing which of them is better depends on how vast your knowledge is, and the risk you are willing to take. Cryptocurrency is of low maintenance but highly risky while real estate will cost a fortune but of very low risk.
Just like they say now, “choose a struggle.”
Dennis Isong is a TOP REALTOR IN LAGOS.He Helps Nigerians in Diaspora to Own Property In Lagos Nigeria STRESS-FREE. For Questions WhatsApp/Call 2348164741041
Nigeria’s Inflation Drops to 15.10% as NBS Reports Deflationary Trend
Nigeria’s headline inflation rate declined to 15.10 per cent in January 2026, marking a significant drop from 27.61 per cent recorded in January 2025, according to the latest Consumer Price Index (CPI) report released by the National Bureau of Statistics.
The report also showed that month-on-month inflation recorded a deflationary trend of –2.88 per cent, representing a 3.42 percentage-point decrease compared to December 2025. Analysts say the development signals easing price pressures across key sectors of the economy.
Food inflation stood at 8.89 per cent year-on-year, down from 29.63 per cent in January 2025. On a month-on-month basis, food prices declined by 6.02 per cent, reflecting lower costs in several staple commodities.
The data suggests a sustained downward trajectory in inflation over the past 12 months, pointing to improving macroeconomic stability.
The administration of President Bola Ahmed Tinubu has consistently attributed recent economic adjustments to ongoing fiscal and monetary reforms aimed at stabilising prices, boosting agricultural output, and strengthening domestic supply chains.
Economic analysts note that while the latest figures indicate progress, sustaining the downward trend will depend on continued policy discipline, exchange rate stability, and improvements in food production and distribution.
The January report provides one of the clearest indications yet that inflationary pressures, which surged in early 2025, may be moderating.
Nigeria’s headline inflation rate declined to 15.10 per cent in January 2026, marking a significant drop from 27.61 per cent recorded in January 2025, according to the latest Consumer Price Index (CPI) report released by the National Bureau of Statistics.
The report also showed that month-on-month inflation recorded a deflationary trend of –2.88 per cent, representing a 3.42 percentage-point decrease compared to December 2025. Analysts say the development signals easing price pressures across key sectors of the economy.
Food inflation stood at 8.89 per cent year-on-year, down from 29.63 per cent in January 2025. On a month-on-month basis, food prices declined by 6.02 per cent, reflecting lower costs in several staple commodities.
The data suggests a sustained downward trajectory in inflation over the past 12 months, pointing to improving macroeconomic stability.
The administration of President Bola Ahmed Tinubu has consistently attributed recent economic adjustments to ongoing fiscal and monetary reforms aimed at stabilising prices, boosting agricultural output, and strengthening domestic supply chains.
Economic analysts note that while the latest figures indicate progress, sustaining the downward trend will depend on continued policy discipline, exchange rate stability, and improvements in food production and distribution.
The January report provides one of the clearest indications yet that inflationary pressures, which surged in early 2025, may be moderating.
Alpha Morgan to Host 19th Economic Review Webinar
In an economy shaped by constant shifts, the edge often belongs to those with the right information.
On Wednesday, February 25, 2026, Alpha Morgan Bank will host the 19th edition of its Economic Review Webinar, a high-level thought leadership session designed to equip businesses, investors, and individuals with timely financial and economic insight.
The session, which will hold live on Zoom at 10:00am WAT and will feature economist Bismarck Rewane, who will examine the key signals influencing Nigeria’s economic direction in 2026, including policy trends, market movements, and global developments shaping the local landscape.
With a consistent track record of delivering clarity in uncertain times, the Alpha Morgan Economic Review continues to provide practical context for decision-making in a dynamic environment.
Registration for the 19th Alpha Morgan Economic Review is free and can be completed via https://bit.ly/registeramerseries19
It is a bi-monthly platform that is open to the public and is held virtually.
Visit www.alphamorganbank to know more.
GTBank Launches Quick Airtime Loan at 2.95%
Guaranty Trust Bank Ltd (GTBank), the flagship banking franchise of GTCO Plc, Africa’s leading financial services group, today announced the launch of Quick Airtime Loan, an innovative digital solution that gives customers instant access to airtime when they run out of call credit and have limited funds in their bank accounts, ensuring customers can stay connected when it matters most.
In today’s always-on world, running out of airtime is more than a minor inconvenience. It can mean missed opportunities, disrupted plans, and lost connections, often at the very moment when funds are tight, and options are limited. Quick Airtime Loan was created to solve this problem, offering customers instant access to airtime on credit, directly from their bank. With Quick Airtime Loan, eligible GTBank customers can access from ₦100 and up to ₦10,000 by dialing *737*90#. Available across all major mobile networks in Nigeria, the service will soon expand to include data loans, further strengthening its proposition as a reliable on-demand platform.
For years, the airtime credit market has been dominated by Telcos, where charges for this service are at 15%. GTBank is now changing the narrative by offering a customer-centric, bank-led digital alternative priced at 2.95%. Built on transparency, convenience and affordability, Quick Airtime Loan has the potential to broaden access to airtime, deliver meaningful cost savings for millions of Nigerians, and redefine how financial services show up in everyday life, not just in banking moments.
Commenting on the product launch, Miriam Olusanya, Managing Director of Guaranty Trust Bank Ltd, said: “Quick Airtime Loan reflects GTBank’s continued focus on delivering digital solutions that are relevant, accessible, and built around real customer needs. The solution underscores the power of a connected financial ecosystem, combining GTBank’s digital reach and lending expertise with the capabilities of HabariPay to deliver a smooth, end-to-end experience. By leveraging unique strengths across the Group, we are able to accelerate innovation, strengthen execution, and deliver a more integrated customer experience across all our service channels.”
Importantly, Quick Airtime Loan highlights GTCO’s evolution as a fully diversified financial services group. Leveraging HabariPay’s Squad, the solution reinforces the Group’s ecosystem proposition by bringing together banking, payment technology, and digital channels to deliver intuitive, one-stop experiences for customers.
With this new product launch, Guaranty Trust Bank is extending its legacy of pioneering digital-first solutions that have redefined customer access to financial services across the industry, building on the proven strength of its widely adopted QuickCredit offering and the convenience of the Bank’s iconic *737# USSD Banking platform.
About Guaranty Trust Bank
Guaranty Trust Bank (GTBank) is the flagship banking franchise of GTCO Plc, a leading financial services group with a strong presence across Africa and the United Kingdom. The Bank is widely recognized for its leadership in digital banking, customer experience, and innovative financial solutions that deliver value to individuals, businesses, and communities.
About HabariPay
HabariPay is the payments fintech subsidiary of GTCO Plc, focused on enabling fast, secure, and accessible digital payments for individuals and businesses. By integrating payments and digital technology, HabariPay supports innovative services that make everyday financial interactions simpler and more seamless.
Enquiries:
GTCO
Group Corporate Communication
[email protected]
+234-1-2715227
www.gtcoplc.com
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