₦airaland Forum

Hey guys it’s been an interesting one with you guys… I just recently developed a strategy for trading gold and it works for me.. meanwhile I’m putting 25 people on to see if it’s possible. It’s not free terms and conditions apply but then I want us all to still see small change this is for people who have $300/500 to spare if you know you’re struggling don’t come around pls.

freeman67:
Are you sure it TB they did for you?

If yes, were you told it was successful?

If successful did you collect your proof/certificate of investment?

I am asking because if it TB they did for you and it was successful. The money should have been taken into custody since. It should not be reflecting in any of your balances again.

What should reflect is only the interest left there.

I don't understand the interest and capital equals total amount you wrote there. What should be paid to you is the Face value/value of investment at maturity as stipulated in your the terms of the contract/ certificate.

Meaning, if you subscribe for 100,000 TB for 365 days @ 20% and may 80,000 and the charges were deducted from your main account balance leaving let's say 19,000 as you interest in the account. At maturity, the sum of 100,000 is what will repaid to your account.


As for your interest growing more than expected, you really have to check and confirm if it's not some form of Fixed Deposit they did for you or something.

Thanks for your reply.

As for the certificate, am not in nigeria and she hasn't asked me to send anyone to pick it up.

Meanwhile, she told me it's done. I'll email her.

Thanks for your reply.

Kindheartedd:
Thanks for your reply.

As for the certificate, am not in nigeria and she hasn't asked me to send anyone to pick it up.

Meanwhile, she told me it's done. I'll email her.

Thanks for your reply.

Please always ask for certificate of investment/Investment letter anytime you invest. Normally, your account officer is even suppose to send to you without you asking.

Kindheartedd:
Thanks for your reply.

As for the certificate, am not in nigeria and she hasn't asked me to send anyone to pick it up.

Meanwhile, she told me it's done. I'll email her.

Thanks for your reply.

Though they may want you to come and pick it up physically but it's something she can just scan and send to you via email. So ask her to do that.

Odunharry:
Please always ask for certificate of investment/Investment letter anytime you invest. Normally, your account officer is even suppose to send to you without you asking.

She did not. I have emailed her.

Odunharry:
Please always ask for certificate of investment/Investment letter anytime you invest. Normally, your account officer is even suppose to send to you without you asking.

My acct officer never eve sends mine. I had to call head office and they called the branch I did the treasury bills before they mailed it to me

Chikebrain:
My acct officer never eve sends mine. I had to call head office and they called the branch I did the treasury bills before they mailed it to me

The standard should be client getting their certificate or proof of investment. Please always request for it.

Investors I hail oo..

Odunharry:
The standard should be client getting their certificate or proof of investment. Please always request for it.

Yes I always ask for it but they'd tell me they send it via mail which they dont end up doing. I got fed up with their failure I had to call CC

Chikebrain:
Yes I always ask for it but they'd tell me they send it via mail which they dont end up doing. I got fed up with their failure I had to call CC

You can also reconfirm the email address they have on the system to know where they have been sending it to

ohh noo, i dont have an idea why. its been over a month now, i hope they have paid you. i use ibtc maybe it is a bank issue.

Chuksteve:
I am yet to receive my payment. My bank is Access. Do you have any idea why it's so?

Good morning House, please when is the next primary auction for Tbills

izmercy:
Good morning House, please when is the next primary auction for Tbills

One was held yesterday, so the next should be in 2 weeks time

I see that the stop rate for 364 days tenure is 19.63% for yesterday auction.
I gave instruction to bid at 19.5%. Can someone explain if banks bid specifically for each individual or have a général bid for everyone? I am just trying to seek and understand as my bank has not reach out to me for feedback on my bid. I used GTB for my TB investment.

fash78:
I see that the stop rate for 364 days tenure is 19.63% for yesterday auction.
I gave instruction to bid at 19.5%. Can someone explain if banks bid specifically for each individual or have a général bid for everyone? I am just trying to seek and understand as my bank has not reach out to me for feedback on my bid. I used GTB for my TB investment.

Hello, I also went for the primary rate yesterday
However I was advised by my account officer to leave the bid rate open to my bank
I ended up with 19.45. If you have an account officer you can call to confirm with them if your bid was successful

Just incase the bid didn’t go through for you, you can use the same method that I did. Cheers

omotola224:
Hello, I also went for the primary rate yesterday
However I was advised by my account officer to leave the bid rate open to my bank
I ended up with 19.45. If you have an account officer you can call to confirm with them if your bid was successful

Just incase the bid didn’t go through for you, you can use the same method that I did. Cheers

Which bank please?My GTBank account officer does pick calls or respond to my mail. This has really made me lost out during the times of juicy rates.

Plus10:
Which bank please?My GTBank account officer does pick calls or respond to my mail. This has really made me lost out during the times of juicy rates.

I don't understand why most of the account officer act this way

omotola224:
Hello, I also went for the primary rate yesterday
However I was advised by my account officer to leave the bid rate open to my bank
I ended up with 19.45. If you have an account officer you can call to confirm with them if your bid was successful

Just incase the bid didn’t go through for you, you can use the same method that I did. Cheers

Pls which bank is this some of them don't offer for primary

heavenisreal18:
Pls which bank is this some of them don't offer for primary

Providus bank
You can try zenith bank too infact I met a lady at their gbagada branch in Lagos here that was really helpful but I went with Providus because my account officer is diligent

Plus10:
Which bank please?My GTBank account officer does pick calls or respond to my mail. This has really made me lost out during the times of juicy rates.

They are not serious
When I contacted them online initially they kept directing me to customer care and that wasn’t helpful either

I used Providus bank eventually

Good morning guys.

This is my first time of investing in primary market.

So on the form, I ticked FACE VALUE as against DISCOUNTED VALUE. Now my question is... With face value, isn't the whole amount (say 50million), supposed to be invested and I get my interest and principal returned at the end of the tenor? Because right now only a fraction of the principal was deducted (say 41million) while my interest (say 9million) was paid upfront (the interest is sitting in my account now).

I want to be sure I did the right thing before contacting stanbic ibtc because what I wanted was for the whole sum to be invested (in other to get the true yield rate) and I get my principal and interest paid at the end of the tenor.

Thanks...

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Email: alexsamuel048@gmail.com

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I’m looking forward to hearing from you.

My T-bill maturity was yesterday,I am yet to be credited ,has anyone experience a delay like this

Will they pay me for the extra days delay Ed. My t bill matured yesterday ,I have not been paid

heavenisreal18:
Will they pay me for the extra days delay Ed. My t bill matured yesterday ,I have not been paid

Are you serious?

Do you have your investment certificate? If yes double check maturity date

heavenisreal18:
My T-bill maturity was yesterday,I am yet to be credited ,has anyone experience a delay like this

Yes, bank network.

oluayebenz:
Are you serious?

Do you have your investment certificate? If yes double check maturity date

I have checked It didn't drop since Thursday

Oyindamolah:
Yes, bank network.

Since Thursday what can I do

heavenisreal18:
I have checked It didn't drop since Thursday

What does the certificate say, when is maturity date?

heavenisreal18:
Will they pay me for the extra days delay Ed. My t bill matured yesterday ,I have not been paid

I don't know what the guys at DMO/in collaboration are doing with the repayment of coupons and matured investments these days because they hardly pay at the exact maturity days now unlike before. Infact it takes 2/3 -7 days to be paid but for this particular one, I got it earlier I was paid on the 24/5/25 so you may need to contact your bank It could be network issues.

freeman67:
I don't know what the guys at DMO/in collaboration are doing with the repayment of coupons and matured investments these days because they hardly pay at the exact maturity days now unlike before. Infact it takes 2/3 -7 days to be paid but for this particular one, I got it earlier I was paid on the 24/5/25 so you may need to contact your bank It could be network issues.

I contacted the bank ,they are yet to give me the reason

vanvickie:
Good morning guys.

This is my first time of investing in primary market.

So on the form, I ticked FACE VALUE as against DISCOUNTED VALUE. Now my question is... With face value, isn't the whole amount (say 50million), supposed to be invested and I get my interest and principal returned at the end of the tenor? Because right now only a fraction of the principal was deducted (say 41million) while my interest (say 9million) was paid upfront (the interest is sitting in my account now).

I want to be sure I did the right thing before contacting stanbic ibtc because what I wanted was for the whole sum to be invested (in other to get the true yield rate) and I get my principal and interest paid at the end of the tenor.

Thanks...

Yes, that's how treasury Bills work. They pay you your Interest upfront, then reTurn back your principal at end of tenure.

In other words, at end of the Tenure, they would return back your 50-Million naira. As for your Interest, they already paid that to you.