jayeomoba:


Many thanks! You r truly awesome. Any info about my second question on how primary n secondary markets works. Some one please help

awesomeJ:
9k or less.

fyneIjay:

It then follows that a 10M investment on TB, will be given me 90k or less?
Please I will like to know how it is calculated. I am a novice here.

kejykejy:
Which bank is the best to patronise when it comes to TB

ahiboilandgas:
yes

fyneIjay:

Thank you.
I will like to seek the house opinion on something concerning investment.
We have a house somewhere, which is given out to tenants. After the first payment, they always find it hard to follow up promptly in paying subsequent rent. My brother has been suggesting for some time to sell off the house and invest the proceed in Treasury bills or do fixed deposits with it. That it will still give us more than the income we are currently getting from renting it out and the capital will still be intact.
I need opinion and advice on this. (if sold, we could be realizing 25M or more from it and 20M will be invested, at least 10M in TB)

awesomeJ:

I am not such a big fan of Real estate.

Based on the 25m million you quoted. I'll assume your expected rental income is 1.8m or less.

If you put 25m in t-bills at 14% yield. You'd be getting an income of 3.5m annually, almost 300k monthly. That's virtually twice the maximum rental income. Plus no need to worry about vacant flats or tenants defaults or delays.

Last year, T-bills yield were above 22%. you could have earned 5.5m on your 25m investment.

fyneIjay:

Thanks for your advice. But, are there any downsides?
And the expected rental income is not even up to a million naira.

fyneIjay:

Thanks for your advice. But, are there any downsides?
And the expected rental income is not even up to a million naira.

awesomeJ:

Depends,
Like ahiboilandgas stated, if your location still has some potential developments in the near future, there could be huge capital gains. But for places already developed, say gra, the likelihood of capital gains is slim.

What I consider to be the greater downside is the fact that it could be difficult to hold on to cash. I mean there'll be tendency to just spend, especially since it's family funds as you have stated.

It may be better to buy 10-30year bond, or stocks when prices crash to push dividend yields to c.15%. You'll get annual dividend payments, and there could be capital gains that'll even double your capital.

You guys will have steady income to even pass down to the next generation.

ahiboilandgas:
rental income is just wrong investment...u need to buy land in developing area then speculate

ahiboilandgas:
rental income is just wrong investment...u need to buy land in developing area then speculate

zamirikpo:


In as much as i have all my lives saving in TB I still feel it's too risky holding cash as a store of value. We could wake up one day in 2019 And discover that a dollar is now worth N600 ur money in TB or bonds automatically losses it value by almost 40%.

I am holding cash today with the intention to invest when I find something worth investing in, but for now TB wins it, I have my heart set on buying land in developing areas with TB interest payments when it's possible. I wouldn't want to keep all my money in one sector of this economy

So for the guy that wants to sell , a poorly developed environment suffers from the law of diminishing returns and so selling isn't a bad idea but don't put everything in TB or bonds.....diversify . First replace the land/house u want to sell with another land somewhere else , it may amaze u to know that in future it may look like u just relocated the property cos it will have the same if not more value than the entire property u r selling now.

Then put the rest of ur money in TB and enjoy the returns.

Ifelove1:
Primary market: You submit a request to the bank to bid at a certain rate for 91,182 or 364 days.
Secondary market: The bank(or someone else) has bought from the primary market and has decided to let go. You can buy from the bank at the rate the person got it and will get profit for the remaining number of days to maturity.

zamirikpo:


In as much as i have all my lives saving in TB I still feel it's too risky holding cash as a store of value. We could wake up one day in 2019 And discover that a dollar is now worth N600 ur money in TB or bonds automatically losses it value by almost 40%.

I am holding cash today with the intention to invest when I find something worth investing in, but for now TB wins it, I have my heart set on buying land in developing areas with TB interest payments when it's possible. I wouldn't want to keep all my money in one sector of this economy

So for the guy that wants to sell , a poorly developed environment suffers from the law of diminishing returns and so selling isn't a bad idea but don't put everything in TB or bonds.....diversify . First replace the land/house u want to sell with another land somewhere else , it may amaze u to know that in future it may look like u just relocated the property cos it will have the same if not more value than the entire property u r selling now.

Then put the rest of ur money in TB and enjoy the returns.

awesomeJ:

You can never go wrong with diversification.
Some who know their onions in real estate, could easily make double the returns on T-bills.

As per the issue with holding naira assets, when I start seeing the signs of an imminent currency crisis. I'll switch to eurobonds ASAP. 6% guaranteed with a potential for much more.
For now, there's some comfort.

fyneIjay:

Thank you.
I will like to seek the house opinion on something concerning investment.
We have a house somewhere, which is given out to tenants. After the first payment, they always find it hard to follow up promptly in paying subsequent rent. My brother has been suggesting for some time to sell off the house and invest the proceed in Treasury bills or do fixed deposits with it. That it will still give us more than the income we are currently getting from renting it out and the capital will still be intact.
I need opinion and advice on this. (if sold, we could be realizing 25M or more from it and 20M will be invested, at least 10M in TB)

PETERiCHY:
WARNING! WARNING!! WARNING!!!

It's now crystal clear the above guy is just jumping from one thread to another looking for who HYPNOTIS and SCAM.

Better BEWARE I rest my case

Sapeleboy911:
Wow!!! what an educative and eye opening investment thread. Kudos @feelamong for creating this thread.
My questions are, what is the difference between buying a 91,182, and 365 days treasury bill? And how are the interest rate for this bills calculated? Take for instance if I invested #1000000 in a 91 days treasury bill at 10% . After the 91 days period what will be my expected profit? If same amount is invested in the 182, 365 days treasury bills at maybe 11, or 15 % interests respectively what would be my returns?

Fxmanager:
You can diversify and invest part of your funds with us. An investment that returns beat inflation, a recession proof investment, an investment that increases your money purchasing power, etc. Follow our public Real/live funded account currency portfolio/fund management and trading journal, here in Nairaland. Check our profile signature for the link to the trading journal.

Fxmanager:
Haters, can you differentiate between a scammer and a legitimate investment? Do you know how many people have ignorantly want to pay money into our personal account to make investment with us, but we refuse to take it, but choose to direct them on how they can invest with us, without us having access to deposit/withdraw from their account. How can we scam people running our currency portfolio management service in a Government's licensed, regulated, monitored and regulates firm, with investors having 100% control of deposits/withdrawals? Do you know that last week our recommended broker rejected an investor from opening an account with him in other to invest with us, because the investors National identity card was not clear. Even when we intercede on the investors behalf for the broker to accept the ID, the broker refused, citing the reason that he can't go against the law as the Government's regulatory bodies do come for periodic/unscheduled monitoring and auditing of the company. These should tell you that we are not running a scam here, that even the Government are there to secure investors funds.

Can you tell us where on earth, somebody is scammed through a PAMM system of fund management in a Government's licensed, regulated, monitored and audited financial brokerage firm?

Fxmanager:
Haters, can you differentiate between a scammer and a legitimate investment? Do you know how many people have ignorantly want to pay money into our personal account to make investment with us, but we refuse to take it, but choose to direct them on how they can invest with us, without us having access to deposit/withdraw from their account. How can we scam people running our currency portfolio management service in a Government's licensed, regulated, monitored and regulates firm, with investors having 100% control of deposits/withdrawals? Do you know that last week our recommended broker rejected an investor from opening an account with him in other to invest with us, because the investors National identity card was not clear. Even when we intercede on the investors behalf for the broker to accept the ID, the broker refused, citing the reason that he can't go against the law as the Government's regulatory bodies do come for periodic/unscheduled monitoring and auditing of the company. These should tell you that we are not running a scam here, that even the Government are there to secure investors funds.

Can you tell us where on earth, somebody is scammed through a PAMM system of fund management in a Government's licensed, regulated, monitored and audited financial brokerage firm?

alexo68:

Epistle,if you are rejecting funds why are you advertising.Don't fall for it people.

Tabbaz:


what is your registered company's name with CAC. Let's start checking how legitimate you are

Fxmanager:
In our effort to have a global reach and have the confidence of worldwide investors couple with our aim toward presenting our investment under a Government's licensed and regulated broker where there is a periodic monitoring and auditing of the brokers financial records by the Government's regulatory bodies to a be sure that they are actually conducting the business that they obtain the license for and that the investors funds are segregated (kept separate from the brokers funds) in case of insolvency of the broker, investors funds will not be use to pay their creditors, but return back to the investors, we decided to set up our currency portfolio management service under a New Zealand (A developed Country) Government's licensed and regulated broker "Circlemarkets" with its headquarter in New Zealand. It has one unique feature in its PAMM Investment platform, which is "Capital protection features" , giving the investors the ability to block a percentage of their capital in case the fund managers manage your account poorly and the investors suffers an unacceptable loss, the main reason we are using them.

Back to the CAC issues, CAC registration is a business/company registration, and the registration does not subject the companies with these registration to present their financial records to be monitored and audited by the Government, that is why you see all these ponzi schemes getting a CAC registration to win investors confidence and still go about scamming them of their invested funds. And the security and exchange commission does not yet regulate online foreign exchange trading or let us say, the Nigerian Government is yet to have a regulatory framework for online foreign exchange trading. To know more about our brokers regulatory status and the security of your funds/investment, visit our website in our profile signature and visit the page "Partner Broker"

Fxmanager:
In our effort to have a global reach and have the confidence of worldwide investors couple with our aim toward presenting our investment under a Government's licensed and regulated broker where there is a periodic monitoring and auditing of the brokers financial records by the Government's regulatory bodies to a be sure that they are actually conducting the business that they obtain the license for and that the investors funds are segregated (kept separate from the brokers funds) in case of insolvency of the broker, investors funds will not be use to pay their creditors, but return back to the investors, we decided to set up our currency portfolio management service under a New Zealand (A developed Country) Government's licensed and regulated broker "Circlemarkets" with its headquarter in New Zealand. It has one unique feature in its PAMM Investment platform, which is "Capital protection features" , giving the investors the ability to block a percentage of their capital in case the fund managers manage your account poorly and the investors suffers an unacceptable loss, the main reason we are using them.

Back to the CAC issues, CAC registration is a business/company registration, and the registration does not subject the companies with these registration to present their financial records to be monitored and audited by the Government, that is why you see all these ponzi schemes getting a CAC registration to win investors confidence and still go about scamming them of their invested funds. And the security and exchange commission does not yet regulate online foreign exchange trading or let us say, the Nigerian Government is yet to have a regulatory framework for online foreign exchange trading. To know more about our brokers regulatory status and the security of your funds/investment, visit our website in our profile signature and visit the page "Partner Broker"

alexo68:

Epistle,if you are rejecting funds why are you advertising.Don't fall for it people.

Tabbaz:


Alright noted sir. I wish you good luck if you are indeed into a legitimate business. Scammers are too much nowadays and the reason for our assertion

awesomeJ:

You can never go wrong with diversification.
Some who know their onions in real estate, could easily make double the returns on T-bills.

As per the issue with holding naira assets, when I start seeing the signs of an imminent currency crisis. I'll switch to eurobonds ASAP. 6% guaranteed with a potential for much more.
For now, there's some comfort.