Treasury Bills In Nigeria - Investment (86)

Treasury Bills In Nigeria - Investment (86) - Nairaland

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Re: Treasury Bills In Nigeria by just2endowed: 6:41pm On Mar 09, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

Dude so u want us to invest in fixed Deposit and u think the interest will be roll over? Did u forget that interest rate u earn for 90days is not the same with 365 days

1 Like

Re: Treasury Bills In Nigeria by angelo82: 6:46pm On Mar 09, 2015

The funniest thing is bank will invest FD principal amount in Treasury Bills............Pre-crisis era a lot of people fell for that but now everyone knows better and i don't need anyone to tell me what to do.......The good thing about Treasury Bills especially for Nigerians abroad is that you can fund all local expenses from the pre-paid interest without spending from your wallet......Its very good investment..........

coderXO:
Oga, I'm sure you miscalculated. No bank will have rolled you over 4 times for a 40% p.a on your N5m.

No chance. ZERO!

2 Likes

Re: Treasury Bills In Nigeria by fphumie(f): 9:24pm On Mar 09, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security.
Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

Mister u missed it, u jus quoted 90days for d fixed deposit while u used 365days for TBills, the tenor used is not same. If we av to use same tenor as that of TBILLS , then we will be looking at 500k int on d FD and u will still need to deduct WTAX on the interest .
I av being investing in TBILLs for 5 years now and I can say affirmatively that TBILLS remains d best, the int rate is always higher than FD plus it is zero risk. grin

Re: Treasury Bills In Nigeria by xplicit01(f): 9:31pm On Mar 09, 2015

Lol,... ppl can be funny o,... imagine his long thesis,... fundamentally wrong afterall

3 Likes

Re: Treasury Bills In Nigeria by princeuk21(m): 10:55pm On Mar 09, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

guy u re so wrong pls visit the bank and ask them about fix deposit.
1) ask them about the tax on FD.
2) ask them if FD tenor is for a year or 90day (even if its 90days the tax will still be at a higher rate.

3) FD is not like NTB pls read more on it.

Enjoy the thread we are here to help you

1 Like

Re: Treasury Bills In Nigeria by unite4real: 9:58am On Mar 10, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

madness starts gradually, but what i see here is progressing too fast. You even called yourself an investor.

3 Likes

Re: Treasury Bills In Nigeria by angelo82: 9:59am On Mar 10, 2015

When is the next auction?

Re: Treasury Bills In Nigeria by unite4real: 10:03am On Mar 10, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

what a miscalculation. Bank's interest is always per annum. your 10% of 5 Million for 90 days will only give you 500,000/4 which is patry N125,000. wake up from coma please.

4 Likes

Re: Treasury Bills In Nigeria by Thomas15(m): 10:26am On Mar 10, 2015

You all can try this though. www.webincomearena.com . No hassles or stress and straight to the point. I recommend it for any novice in the online business

Re: Treasury Bills In Nigeria by ACL(m): 10:50am On Mar 10, 2015

pls can someone give me link to Diamond bank treasury dept.

my branch is useless. slow to execute instruction.

Re: Treasury Bills In Nigeria by just2endowed: 10:52am On Mar 10, 2015

unite4real:
madness starts gradually, but what i see here is progressing too fast. You even called yourself an investor.

pls dont be harsh on the fellow. he told us what he understand and i believe he need to be clear on how interest rate earned is calculated

Re: Treasury Bills In Nigeria by angelo82: 11:12am On Mar 10, 2015

Next auction will be on the 18th of March..............

Re: Treasury Bills In Nigeria by Godside: 12:00pm On Mar 10, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

Bros , dont waste your time , pipu wey dey here don wise up . If you like , talk from now til 2mor , notin wil hapen

Re: Treasury Bills In Nigeria by Chillis: 12:05pm On Mar 10, 2015

angelo82:
Next auction will be on the 18th of March..............

Thanks for this. So whats the proposed bid rate? 17%

Re: Treasury Bills In Nigeria by Bamz(m): 4:04pm On Mar 10, 2015

I'm in Access Bank atm, and after buying from their holdings... my interest wasn't paid upfront. The customer service rep told me since I didn't specify upfront payment of interest, that they will have to pay at maturity. I think this is totally unacceptable. Its not my first time doing OTC transaction and I was made to look so stupid.

Hopefully their contact center will rectify my issue.

Re: Treasury Bills In Nigeria by Ojix85: 6:06pm On Mar 10, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

Mr Onlytru also forgot the 750k ROI on Tbills is given up front. Thanks for the info though. We all know Tbills beats fixed deposits anyday.

1 Like

Re: Treasury Bills In Nigeria by kaptinphilz(m): 8:06am On Mar 11, 2015

I was told that one cannot re-invest interest for a start. First bank.
Someone should confirm pls.

Re: Treasury Bills In Nigeria by drumma(m): 11:34am On Mar 11, 2015

Hi @fphumie... i'd like to ask you some questions if you don't mind... I sent you a private message.

fphumie:
Mister u missed it, u jus quoted 90days for d fixed deposit while u used 365days for TBills, the tenor used is not same. If we av to use same tenor as that of TBILLS , then we will be looking at 500k int on d FD and u will still need to deduct WTAX on the interest .
I av being investing in TBILLs for 5 years now and I can say affirmatively that TBILLS remains d best, the int rate is always higher than FD plus it is zero risk.

Re: Treasury Bills In Nigeria by Icekeeng(m): 12:35pm On Mar 11, 2015

fphumie:
Mister u missed it, u jus quoted 90days for d fixed deposit while u used 365days for TBills, the tenor used is not same. If we av to use same tenor as that of TBILLS , then we will be looking at 500k int on d FD and u will still need to deduct WTAX on the interest .
I av being investing in TBILLs for 5 years now and I can say affirmatively that TBILLS remains d best, the int rate is always higher than FD plus it is zero risk.

Ma can you please explain what you mean bu ZERO risk on treasury bills, do you mean to say Fixed deposits are risky and what is the minimal turnover for T-bills with the average interset percentages?

Re: Treasury Bills In Nigeria by fphumie(f): 1:04pm On Mar 11, 2015

[quote author=Icekeeng post=31516367]Sir, T-bills are marketable debt instruments issued by the Federal Government. The Government is obliged to pay the holders of T-bills a fixed sum of money on the maturity date of the securities. When you invest in T-bills, you are lending your money to the Government in exchange for interest payments. The tenors are typically 91, 182 and 364 days
Nigeria's ratings indicate that it has a strong credit rating with a minimal probability of default on its local currency debt obligations. From the perspective of individual investors, this means that T bills are among the safest possible investments to hold, and the principal value of their investments is preserved if held to maturity. FD is near risk free cos the deposit is equally insured but in d case of bank's liquidity , I think the investor might lose some of the amount invested.
As per minimal turnover I think the expert in the house will answer this but I cannot say precisely wat d min turnover will b cos interest rate is not fixed though for now, rate seems to be going up.(maximum).

Re: Treasury Bills In Nigeria by Icekeeng(m): 1:21pm On Mar 11, 2015

[quote author=fphumie post=31517163][/quote]Thank you so much, one more thing, Whats the minimum amount one can invest with?

Re: Treasury Bills In Nigeria by fphumie(f): 1:39pm On Mar 11, 2015

Icekeeng:
Thank you so much, one more thing, Whats the minimum amount one can invest with?

=N=100,000.00

Re: Treasury Bills In Nigeria by Seun(mod): 1:55pm On Mar 11, 2015

Does someone have the timetable now?

Re: Treasury Bills In Nigeria by jaybee3(m): 11:50pm On Mar 11, 2015

Chillisauce:
My own is to make money. In 3 months or more the Euro gets higher, I convert back to my USD. If not, I secure something tangible with it. Better than most investment and charges offered by most banks now.

Hope your trade is still on the +ve side?

Re: Treasury Bills In Nigeria by Chillis: 8:59pm On Mar 12, 2015

jaybee3:
Hope your trade is still on the +ve side?

Yeah I made extra change converting to Euro. But Euro is still going down, so I am looking for an investment for it while I wait to see if it will eventually pick up against the dollar .

Re: Treasury Bills In Nigeria by jaybee3(m): 9:06pm On Mar 12, 2015

Chillis:
Yeah I made extra change converting to Euro. But Euro is still going down, so I am looking for an investment for it while I wait to see if it will eventually pick up against the dollar .

The dollar is now a safe haven hence the recent strength. Swiss franc might be your best play for now

Re: Treasury Bills In Nigeria by Chillis: 9:26pm On Mar 12, 2015

jaybee3:
The dollar is now a safe haven hence the recent strength. Swiss franc might be your best play for now

Swiss franc? Never thought of that. However, I would consider a currency I can use in the country in case currency trade go bad.

Thanks.

Re: Treasury Bills In Nigeria by stanleyuzoh022: 5:22am On Mar 14, 2015

For Example, Investing 500k on Treasury Bill for 90,180 days, how much interest will it yield pls? Thank u.

Re: Treasury Bills In Nigeria by nitrogen(m): 6:42am On Mar 14, 2015

Mehn! See people printing money here o! When I grow up, I wanta be like y'all.
cool

Re: Treasury Bills In Nigeria by Bamz(m): 8:08am On Mar 14, 2015

stanleyuzoh022:
For Example, Investing 500k on Treasury Bill for 90,180 days, how much interest will it yield pls? Thank u.

Do yourself a favor. Take the pain and backtrack.

Re: Treasury Bills In Nigeria by princeuk21(m): 10:46am On Mar 14, 2015

stanleyuzoh022:
For Example, Investing 500k on Treasury Bill for 90,180 days, how much interest will it yield pls? Thank u.

pls read from the first to the current page it will help u alot.

Re: Treasury Bills In Nigeria by ernie4life(m): 8:24am On Mar 15, 2015

Onlytru:
Is good to see more Nigerians trying to invest their money for future financial security. Now the only two less risky investment that most Nigerians tend to go for his either Fixed Deposit Investment or Treasury Bills Investment (T-bills). I have been involved in both investment multiple times but after carefully review of my returns and the risks involve (which is pretty NADA to be candid) I can state with all confidence that Fixed Deposit investment is the best between the two.

Now before I let the cat out of the bag, let me quickly add that this simple logic I am about to unveil is only viable for folks that want to invest at least ₦2 million and up and also for a full calendar year because if you are planning to invest less than the stated amount (₦2 million) the interest rate plus the number of days of investment in your portfolio will not add up. Now let's get started---

Treasury Bills Investment
As we all are aware that treasury bills investment is the least risky investment out there with moderate return and plus the attractive rates folks are getting on it lately, thus making it the number one option for most folks to invest in but does the returns on this investment really worth the hype?! I do not think so...
For example Mister A has ₦5 million to invest in T-bills for 365 days at Bank 1. They offered him 14.5% (for the sake of this argument lets round it up to 15%). At the end of 365 days (1 YEAR) Mister A will receives ₦750k back in return after 1 Year

Fixed Deposit Investment
Now if Mister A takes the same ₦5 million to Bank 1 and request to fixed the same amount for 90 days (with automatic roll over after 90 days and insist on the same fixed rate) which most banks will offer Mister A 10% or more (but most folks will not agree with me but for the sake of argument let say he was able to get 10% for 90 days). At the end of 90 days Mister A will receives ₦500k in return X 4 = ₦2million cool cash. A return of 40% compare to 15% of T-bills for the same number of days.

As we all can see the return on Fixed Deposit is by far the best investment option between the two. As for me T-bills does not really worth the hype. Yall free to do your investigation.
Happy investing
¬ OnlyTru¬

Amateurs hahahhahah

1 Like

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