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Nairaland Forum / Nairaland / General / Investment / Treasury Bills In Nigeria (4608754 Views)
Fixed Deposits Or Treasury Bills, Which Is Better? / Fixed Deposit And Treasury Bill Investments From Abroad / I Need Information On Treasury Bills In Nigeria (2) (3) (4)
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Re: Treasury Bills In Nigeria by emmanuelewumi(m): 10:01am On Jun 21, 2021 |
Lazyyouth4u: Referring to the usually excuse of inflation for bonds, people who understand would have used the coupons to replicate 10 more tranches of N100 million bond Investments from the coupons within 20 years 3 Likes |
Re: Treasury Bills In Nigeria by Nobody: 10:01am On Jun 21, 2021 |
RayRay06677: At the end of the day, luck plays a key role. Do you know that there are people in this Naija that do not have tenant wahala and get steady rentals from their properties that they reinvest in other properties? We are talking about tenants that will even use their own money to keep your house in the best possible shape. 13 Likes |
Re: Treasury Bills In Nigeria by Nobody: 10:03am On Jun 21, 2021 |
emmanuelewumi: I am quite confused. The other day, you were talking about how people can use their coupons to pay rent, school fees and other recurring expenses ![]() 2 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 10:04am On Jun 21, 2021 |
NL1960: Thank you 2 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 10:07am On Jun 21, 2021 |
Lazyyouth4u: The coupon paid N14 million, rent will pay N5 million. The bond investor used the difference of N9 million to hedge inflation in 30 years by reinvesting the difference between his coupon Investment and his friend who invested the same fund in real estate 4 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 10:17am On Jun 21, 2021 |
Lazyyouth4u: Very few landlords, they should be about 5%. They should also be charging 10% below the going rates and must invest in verification and investigation of new tenants, in the cause of doing this the property might not generate income for months or years 3 Likes |
Re: Treasury Bills In Nigeria by Nobody: 10:34am On Jun 21, 2021 |
emmanuelewumi: Not every one goes into real estate as their sole investment asset class. Some do it to diversify their portfolio and do not necessarily have to make returns at par with their other investments. I’d rather get below market annual returns with good tenants in one house in a nice location than have high returns with 20 houses in low cost areas where it is a ‘hit and miss’ when it comes to finding decent tenants. Man know thyself ![]() 2 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 10:44am On Jun 21, 2021 |
Lazyyouth4u: Exactly, what I told my cousin when he wanted to increase his rent to what was obtainable in his area. Better to have good tenants that are prompt with payments and also manage the property well and earn 10% below the going rate 4 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 10:45am On Jun 21, 2021 |
Nigerians are generally not disciplined, paying your bills and debts promptly is a sign of a serious and disciplined person 7 Likes 1 Share |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 11:43am On Jun 21, 2021 |
emmanuelewumi: I have a tenant, he is a Pastor the man can owe for Africa be expects everything to be done for him at no cost. Always telling my agent, how God blessed his former landlord who didn't collect rent from him for 4 years. 6 Likes |
Re: Treasury Bills In Nigeria by afroxyz: 12:06pm On Jun 21, 2021 |
Don't you think we may have an asset bubble in this country given rising inflation and poverty rates? 1 Like |
Re: Treasury Bills In Nigeria by condomuser: 12:12pm On Jun 21, 2021 |
This is one of the reasons why I find it difficult investing in rental income assets like houses in Nigeria. The way tenants will owe you and make it seem like they are doing you a favour when you remind them of their due rent. The exposure too is terrible. I have relatives that started building houses and within the first week of starting up the foundation, the whole community started disturbing them for alms meanwhile the bigger boys are doing something different with no eye wey see exposure emmanuelewumi: |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 12:21pm On Jun 21, 2021 |
afroxyz: Which of the assets are you looking at? You can only have a bubble after a prolonged bull. 1 Like |
Re: Treasury Bills In Nigeria by NL1960: 1:03pm On Jun 21, 2021 |
emmanuelewumi: So many properties have been destroyed at mba street in Olodi-Apapa, Demurin road Ketu, Bariga for construction of a double lane road. |
Re: Treasury Bills In Nigeria by Emndy(m): 1:25pm On Jun 21, 2021 |
emmanuelewumi: 9m every year for 30years @15% will result in N4,499,612,265. (i.e. 4.5B). The joy of compounding becomes very very pronounced from year 20 to 30. |
Re: Treasury Bills In Nigeria by afroxyz: 1:28pm On Jun 21, 2021 |
emmanuelewumi: Real estate. Rental apartments to be precise . Going by the increasing number of houses which are empty (Abj an ezample), and the fact that many people's income may not keep up with rising rental costs |
Re: Treasury Bills In Nigeria by Akin3891: 1:29pm On Jun 21, 2021 |
emmasoft: Is there no treasurybill auction this week? I got to stanbic this morning but was told that there is no auction until next week 1 Like |
Re: Treasury Bills In Nigeria by Nobody: 1:41pm On Jun 21, 2021 |
NL1960:oga please show the workings, thanks |
Re: Treasury Bills In Nigeria by Nobody: 1:42pm On Jun 21, 2021 |
Emndy:Bros you they do magic...what |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 1:54pm On Jun 21, 2021 |
Emndy: That was why I stopped at year 20. But someone got about N1 billion |
Re: Treasury Bills In Nigeria by Emndy(m): 1:54pm On Jun 21, 2021 |
Biafran4life: Bros, "compounding" they say is the 8th wonder of the world. Those who understand it, use it. 9m investment every year @ 15% Year 1: 10.35m year 5: 69.78m year10: 210.14m year15: 492.46m year20: 1.06B year25: 2.20B year30: 4.5B 2 Likes |
Re: Treasury Bills In Nigeria by NL1960: 2:02pm On Jun 21, 2021 |
Biafran4life: I did not do the workings. I just put the figures in the formula provided. Follow this link and try it out. https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php 1 Like |
Re: Treasury Bills In Nigeria by NL1960: 2:05pm On Jun 21, 2021 |
Biafran4life: No be magic o. Using this link: https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php I got this: Future investment value: N4,508,612,265.02 Total interest earned: N4,229,612,265.02 2 Likes |
Re: Treasury Bills In Nigeria by OgogoroFreak(m): 2:22pm On Jun 21, 2021 |
emmanuelewumi:He doesn't do much thinking. He already assumed the investor would blow all coupons 1 Like |
Re: Treasury Bills In Nigeria by Nobody: 2:23pm On Jun 21, 2021 |
NL1960: Don’t forget to also project inflation and Naira devaluation over thirty years ![]() And you cannot assume that you will continue to reinvest at 15% for 30 years. 3 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:25pm On Jun 21, 2021 |
OgogoroFreak: I agree with you |
Re: Treasury Bills In Nigeria by Nobody: 2:30pm On Jun 21, 2021 |
OgogoroFreak: Says the audio bitc0ins millionaire investor. If you don’t understand a point, just jump and pass. What on earth has my point got to do with blowing or reinvesting coupons? ![]() Better go park for ashawo thread to continue your research on ashawo business. That’s about all your brain fit carry. 3 Likes |
Re: Treasury Bills In Nigeria by Nobody: 2:32pm On Jun 21, 2021 |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:33pm On Jun 21, 2021 |
Lazyyouth4u: Haba, not at all ooo |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:36pm On Jun 21, 2021 |
Lazyyouth4u: It actually took me a very long time, before I could understand the rationale behind some core fixed income investors who buy 30 years bonds. They are so liquid, that they deploys their cash to buying real estates when are are sure of a minimum rental income yield of 10% |
Re: Treasury Bills In Nigeria by skydiver01: 2:37pm On Jun 21, 2021 |
Confirmed below (compounded) but 15% is a tall ask to then be the average return on the N9m annually received for the next 29 years though one has stopped at 20 years in the table below. emmanuelewumi:
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Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:37pm On Jun 21, 2021 |
Lazyyouth4u: I am very sorry, I apologise on his behalf. 3 Likes |
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