Omonigeriarere:


Instead of having one consolidated investment, split your bidding into two in different banks: one for high rate based on risk while the other enjoys assurance. I think you can never missed both if you know how to play your game.

My opinion though.

puna:
house why are banks always against you buying tbills.
was at first bank to to liquidate my fixed deposit so as to be able to place bid for next week but they kept doing their best to persuade me..even telling me that tbills are now unstable
and their rate for fixed deposit at 182days is 6.6%

Omonigeriarere:


Instead of having one consolidated investment, split your bidding into two in different banks: one for high rate based on risk while the other enjoys assurance. I think you can never missed both if you know how to play your game.

My opinion though.

puna:
house why are banks always against you buying tbills.
was at first bank to to liquidate my fixed deposit so as to be able to place bid for next week but they kept doing their best to persuade me..even telling me that tbills are now unstable
and their rate for fixed deposit at 182days is 6.6%

jpphilips:



Simple, they buy your money at 6% (FD), sell it at 15% (TB), you really wanna compete with your bank? now that's conflict of interest.

zamirikpo:
Hi guyz
Are there any issues with getting back our principal. Was discussing with a lady who said she won't advice any one to do TB bcoz they dont payback on time.

Is this true @feelamong and others who have done dis before pls advice.

zamirikpo:
Hi guyz
Are there any issues with getting back our principal. Was discussing with a lady who said she won't advice any one to do TB bcoz they dont payback on time.

Is this true @feelamong and others who have done dis before pls advice.

ganilat4:
@Desanta,how do I terminate my NTB and what percentage do the Bank deduct.

Desanta:



Write a letter to your bank telling them you want to terminate your NTB.

I usually terminate at maturity instead if rolling over, so I don't get penalized.

The percentage is not fixed. It depends on the rate you bought it and how long you have held it. The bank will do the calculations and let you know before they ho ahead to terminate.

Royal155:
I don't know why some people are afraid of this 365days tenure T.bills. This tenure remains the best in t.bill, as far as you have some idle funds that you won't be needing urgently. For someone who is afraid to invest in t.bill for 1yr, I wonder if that kind of person can ever have the nerve to invest in bonds and shares.

zamirikpo:
@agbaletu thank u

I just tire ooh, y will they delay someone's principal @maturity, some people can mislead ooh.


Thanks again jare

battleaxe:
Is anyone facing delays in receiving their Bond coupons that fell due last week??

battleaxe:
No, the 12.5% 22-JAN 2026

jpphilips:


Nigeria is broke, your economy is in recession meaning trade can no longer be balanced, foreign investors have fled leaving the Govt with only local lenders like you, if you do a risk matrix of the likelihood of the FG to default, it is close to the cone, 1.5-2% is not worth the risk of a default. people who are avoiding 1yr tenure bills are not gutless they are being careful while calculating their risks.

battleaxe:
@feelamong
What does your bank give you as evidence of purchasing bonds? I know for TB you get a certificate or something. Is it same for bonds??

Houstency:


@Feelamong and other gurus in the house, I did not get certificate /investment letter from first Bank when I did NTB with them, and it's over 2months now. Is it normal or what line of actions do you suggest to correct the anomaly. Thanks in anticipation

just2endowed:
hello guys,

Gtb is telling me the minimum i can invest in TB is 500k. Guys is it the norm for TB application in GTB?

and do GTB allow someone bidding by him or herself?

and lastly, Now that the CBN had increased the MPR from 12% to 14%, does it have effect on TB rate in next auction?

Houstency:


@Feelamong and other gurus in the house, I did not get certificate /investment letter from first Bank when I did NTB with them, and it's over 2months now. Is it normal or what line of actions do you suggest to correct the anomaly. Thanks in anticipation

Epphy:
Hello house. Please who has an idea about doing TB with Zenith and Fidelity banks