How to Protect Your Portfolio from Naira Volatility in 2025 & 2026

November 10, 2025 • 10 min read • Market Insights

The naira closed at ₦1,435.03/USD on November 7, 2025 — down 0.22% daily but up 2.53% monthly (CBN). Yet, 2026 forecasts signal renewed pressure.

Citibank predicts ₦1,650–1,700/USD by mid-2026 due to easing policy and oil below $70. WalletInvestor sees up to ₦1,951/USD in a bearish scenario.

2026 Naira Forecast Summary

• Citibank: ₦1,650–1,700 (base)
• LongForecast: ₦1,400–1,500 avg
• WalletInvestor: Up to ₦1,951 (bear)

At Riversand, we help investors and founders navigate volatility. Here are 5 proven strategies.

1. 40% in USD-Denominated Assets

Eurobonds: 7.8% YTD 2025. US ETFs via Chaka or Bamboo: S&P 500 up 24%.

2. Lock Rates with Forwards

CBN-approved 6–12 month forwards. Lock ₦1,500/USD today for Q2 2026.

3. Gold & REITs

Gold: +12% in 2025. SFS REIT: 9.2% yield.

4. Inflation-Linked FGN Bonds

12–15% yields beat 18% inflation. Q1 2026 issuances expected.

5. Quarterly Rebalancing

Stress test: What if naira hits ₦1,800? We rebalance every 90 days.