The right investments for a retired mechanic may not be the right investments for a 35 year old medical doctor. The right investment for a University student may not be the right investments for a housewife who has a shop in front of her house. The right investment for someone who earns five million naira annually may not be the right investment for an individual whose income is two hundred thousand naira per annum.
Because everybody has different expenses, risk tolerance, training, available investment capital, family situations, obligations and temperaments, what constitutes an appropriate investment plan will be very different from one individual to the other.
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