₦airaland Forum

Good evening Boss. Please sir, the online link for opening of the account. Thank you sir.

emmanuelewumi:
You can open your stock broking account online, we also have some in Abuja

Sir, am in Minna, Niger State.

emmanuelewumi:
What part of the country are you.
You can try United Capital, Morgan capital, Investment One and others too numerous to list

Sir, I have no idea on how to get it done. Sir any advice on how to open Skockbroking account or any good investment houses Sir.
Thanks.

emmanuelewumi:
You need to open a Stockbroking account, you can buy from your Stockbroker or any of the accredited Investment houses.

Oga Healthserve; which bank can I subscribe to 5 years FG Bond.
Thank you sir.

needful:
FG Bond

Thank you so much Boss (Emmanuelewumi). Am grateful for the full details. It really help sir. Am planning to invest few millions I got from Tbills since the rate is very low sir.
Thank you once again sir.

emmanuelewumi:
The risk free way to enjoy your bond it the ability to hold till maturity, it requires discipline and ability to think through before committing fund to any Investment.

We have people who will buy Treasury Bills of 91 days and after 30 days they will be planning to sell due to one emergency that requires money. This is a sign of indiscipline and carelessness.

That is why I always preach diversification, before committing funds into an investment we need an emergency fund that can take care of a minimum of 3 months of our expenses.

If you are liquid with different cash flows you can always take advantage of when bonds are cheaper due to interest rates fluctuations and buy more.


Investors who invested N100 million on FG 10 years bond at 16%.
Will receive a coupon payment of N16 million for 10 years and then get his N100 million after 10 years.

If part of the N16 million coupons are Invested in inflation free Investmens like real estate, defensive stocks, personal business, Eurobond. I think such an investor would have hedged inflation.

Good morning house, please house and guru in house. I was trying to read more about the FGN Bond. According to Ontario Securities Commission (OSC) and Get Smarter About Money;
4 common risks for bond investors
1. Interest rate risk
When interest rates rise, bond prices fall. When interest rates fall, bond prices rise. This is a risk if you need to sell a bond before its maturity date and interest rates are up. You may end up selling the bond for less than you paid for it.

2. Inflation risk
This is the risk that the return you earn on your investment doesn’t keep pace with inflation. If you hold a bond paying 2% interest and inflation reaches 3%, your return is actually negative (-1%), when adjusted for inflation. You’ll still get your principal back when your bond matures, but it will be worth less in today’s dollars. Inflation risk increases the longer you hold a bond.

3. Market risk
This is the risk that the entire bond market declines. If this happens, the price of your bond investments will likely fall regardless of the quality or type of bonds you hold. If you need to sell a bond before its maturity date, you may end up selling it for less than you paid for it.

4. Credit risk
If you buy bonds from a company or government that isn’t financially stable, there’s more of a risk you’ll lose money. [b]This is called credit risk or default risk. Sometimes, the issuer can’t make the interest payments to investors. It’s also possible the issuer won’t pay back the face value of the bond when it matures.

Is it possible not to get face value (capital) at the end of maturity.

needful:
FG Bond

@9galen217, I am an Architect too but you can check my design and work on my Instagram. (adedokun184)

9galen217:
Pls do you mind sharing the contact of the Nairalander. You can PM the details if it makes you comfortable. I equally have a pending project for a 5 bedroom duplex at Abuja, but the figures the contractors are calling just sinks my heart...18M seems reasonable. By finish; do you mean tiles, P.O.P e.t.c?

Good morning sir, am new when it come to stock and no idea on how to go about it but I appreciate your discussion on it, Sir. Please Sir, I sent you mail on your advise on what steps to take Sir. Thank you Sir.

emmanuelewumi:
It is good to start small and grow. I started with just N5000 way back.

Investment One

Morgan Capital

The listed Stockbrokers will consider small Investors, with N20,000 you are good to go.

1000 page. I started from page 461 if am right and it has been wonderful and positive impact to me and my Family. I really want to appreciate everyone for wonderful work, experience shared here and positive impact. God bless You all. I must say a very special thanks to everyone on this forum. You guys are Over Amazing. Because reading You guys text every day have made me to reduce unnecessary spending and think ahead and plan for a better and great future.

Thanks.

Good afternoon Sir, I would like to be a part of your watsapp group I intend go into stock investments, Sir.
Please I will appreciate if you add me Sir.
Thanks.

emmanuelewumi:
Non TB related topics can be discussed on weekends.

I have a stock market investment WhatsApp group, which focused on investment generally but with a bias for the stock market. But weekends are free days when we discuss as the spirit directs.

Good morning sir. Have read your post right from page 779, sir I will say am impressed and motivated to plan more for the future. Sir, I will want to know more about the bdc. Please here is my email (tripleaj2002@yahoo.co.uk)
Thank you sir.

ahiboilandgas:
There 4 have to learn other bussiness that can mint naira faster that tb 12 percent like 40 percent then my porfolio will be (tb,bdc,dorm,trucks rent salary) hmm if total upstream give me job or political appointment

My question is how solid is the house (the foundation and quality of materials used and the aesthetic aspect and integrating of spaces within the building to define it components) that we add value to it after few years.
People now look standard of buildings before putting their money. And check life span of the building. As an Architect they are many factors to check to see if the value of the building will increase or drop.

lancee:
Just thot abt this real estate yester..A good friend of mine called me yester told me he bought a house last yr at opebi for 70M..I asked him how much he rented it out , he said 5M per annum
I know he doesn't know abt T bills..Later i sat down to analyze shld in case one sees such opportunity around that location to buy a house for rental purpose

With my lil thinking and analysis i think Tbill still much better for NOW
At 12% averagely that. 70M should have given him 8.4m for 1yrs Tbills...For 2yrs Tbills that will be 16.8M Approx. compared to 10M he will get for 2 yrs rental

That was my own analysis...I may be wrong cos i do not know it


But my question is ..Will anyone still be able to get that kind of property at that price or less after few year of Tbills investment

Haypril07:
Yes, that is the money I have to invest for now.
Am still very new to this and I can't risk much of my savings/earnings because am a student.

Check this site:

https://www.cbn.gov.ng/FAQS/FAQ.asp?category=Government+Securities

Haypril07:
Yes, that is the money I have to invest for now.
Am still very new to this and I can't risk much of my savings/earnings because am a student.

What are the benefits that an investor can get by investing in the Government Securities?
Benefits of short term securities (i.e. Nigerian Treasury Bills)are: Yield / Income on investment is realizable upfront and can be automatically reinvested for a higher income. Yield / Income on investment is competitive with returns on other money market instruments of similar maturities. The securities have zero-default risk. Yield/Income on investment is tax-free. The securities can be used as collateral for short-term borrowing from banks. They are bearer securities and negotiable. Benefits of long-term securities are: Could serve as collateral for borrowing, Interest is paid half-yearly, It can be traded on the stock exchange and Investment has a zero-default risk.

Cation:
@aremso pls I will like you to furnish me with the material on stocks. I will be sending u a mail as soon as possible, thanks.

@triple please I will also like to have such wonderful material on stocks. For better investment in future.
tripleaj2002@yahoo.co.UK.
Thank you.