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Nairaland Forum / Nairaland / General / Investment / Treasury Bills In Nigeria (4608636 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 afroxyz: 3:46pm On Jun 21, 2021 |
Lazyyouth4u: If war happens u invest in war bonds na ![]() With hyperinflation, you would have seen the signs in economic indicators which qould give u time to adjust. Govt ceasing ur land is instant with little time to adjust. But as u said each asset class has its benefits and demerits 3 Likes |
Re: Treasury Bills In Nigeria by Nobody: 3:56pm On Jun 21, 2021 |
OgogoroFreak: What has this got to do with inflation? I don’t blame you sha. All the ashawo house calculation don dagbaru your brain ![]() 2 Likes
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Re: Treasury Bills In Nigeria by OgogoroFreak(m): 4:01pm On Jun 21, 2021 |
Lazyyouth4u:your 90k in tbills is guaranteed after one year. I converted my Naira to USD last year at the rate of 360 to invest in us equity but today after one year, what ever USD left in my US investment would be converted to Naira at the rate of 495. 6 Likes 1 Share |
Re: Treasury Bills In Nigeria by Tobex4realTobex234(m): 4:12pm On Jun 21, 2021 |
These compound interest calculations are giving me orgasms o but how does one achieve it with stocks? I currently never sell any of my stocks but I would like to know how one can leverage compound returns on equities apart from re-investing dividends which I already do. This bonds seem like an alternate asset I should consider sha because to be honest na proper Island wey I for like to do real estate in Lagos, but my money no reach to buy lands for there ![]() |
Re: Treasury Bills In Nigeria by Nobody: 4:15pm On Jun 21, 2021 |
OgogoroFreak: Oga, what I was doing there was to show that you will not always beat investing in Naira instruments when you buy US equities. There are situations where someone with Naira t bills will come out tops due to the volatility of the US equities market. Never did I say Naira investments were better. I know you are just trying to get back at me because I pointed out your stupid audio lamba of making 1 million dollars from bitc0ins but you are not even sharp enough to do that well ![]() 2 Likes
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Re: Treasury Bills In Nigeria by Tobex4realTobex234(m): 4:16pm On Jun 21, 2021 |
Also emmanuelewumi and Lazyyouth, these bonds is there a way to buy them remotely or you gat go bank physically? For me, ease of management is as important as fund performance ![]() |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 4:20pm On Jun 21, 2021 |
Lazyyouth4u: If the bond investor want to diversify into real estate, he will make N100 million in 5 years which he can use to buy a property. In 30 years time he will get his capital and a house. How about that 4 Likes |
Re: Treasury Bills In Nigeria by afroxyz: 4:26pm On Jun 21, 2021 |
Tobex4realTobex234: You compound by buying dips and DCA |
Re: Treasury Bills In Nigeria by Nobody: 4:31pm On Jun 21, 2021 |
emmanuelewumi: The real estate investor will collect his rents and buy bonds and in 30 years, he will have two houses and a bond instrument ![]() To be honest, I never said one was better. Both have pros and cons and it’s up to the investor to pick the one that suits him or her better. 4 Likes |
Re: Treasury Bills In Nigeria by skydiver01: 4:38pm On Jun 21, 2021 |
You now get the general idea with the slight clarification below in the second paragraph. ojesymsym: |
Re: Treasury Bills In Nigeria by ojesymsym: 4:42pm On Jun 21, 2021 |
But it is almost impossible to reinvest your bond interest within the bond itself, or am I missing something? skydiver01: 2 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 4:44pm On Jun 21, 2021 |
Lazyyouth4u: His rent of about 12 years will get N140 million, while coupon of about 12 years compounded @ 15% would have produced N460 million. 1 Like |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 4:46pm On Jun 21, 2021 |
ojesymsym: Secondary market. These are the offers sent to me this morning
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Re: Treasury Bills In Nigeria by ojesymsym: 4:46pm On Jun 21, 2021 |
Compound interest seems unbelievable until you see the chart. Even small 10k per year when compounded at 10% ror 30 years, you will be shocked at the returns when you run the calculation. Tobex4realTobex234: |
Re: Treasury Bills In Nigeria by 400billionman: 4:46pm On Jun 21, 2021 |
emmanuelewumi: The bull has passed in rental income. The bull may still be existent in Lagos and Abuja and few highbrow areas along major roads per city. Any little drive into an untarred road, your property sheds value. |
Re: Treasury Bills In Nigeria by ojesymsym: 4:48pm On Jun 21, 2021 |
Okay. Which goes back to how I understood his case study the first time. You now have to manually reinvest the bond returns annually. emmanuelewumi: 1 Like |
Re: Treasury Bills In Nigeria by Brainbox0806: 4:53pm On Jun 21, 2021 |
emmanuelewumi: You are trying hard not to hurt this your boyfriend lazyyouth with the truth, apologising to a boy because of a continuous e-banters, you guys are just the e-version of some jobless people that engage in endless blabbering at the junctions with the newspapers vendors. 11 Likes |
Re: Treasury Bills In Nigeria by ojesymsym: 4:53pm On Jun 21, 2021 |
All these real estate arguments. There was a time I could swear that building a house was one of the best investments. I have since changed that position. The rent our tenants in our home town pays for their apartment cannot pay the rent in a city like Lagos, Ph or Abuja. That is if they even agree to pay on time. Those who I personally think make money in real estate are those who buy old houses in good locations, destroy those houses, build modern houses, sell the houses at around 40% interest and then look for the next house to recycle the process. All these tenant rent wahala, house maintenance will not make anyone rich if you ask me. I also noticed that I have never seen a form where landlord is an option as part of the list of available occupations, I wonder why. 12 Likes |
Re: Treasury Bills In Nigeria by Nobody: 5:03pm On Jun 21, 2021 |
emmanuelewumi: After 12 years, the Oga with the house may just be able to sell it for 500m with the way inflation is going. Then he will have 640m in his account ![]() The Oga with the bond will probably sell the bond at a discount and maybe get 80m for the bond (and this is generous). In his account, he will have 540m ![]() Another con for bonds is that you have to hold it till maturity if you want to get the full benefits. Make mistake and sell it before maturity when interest rates are high and you will have to sell it at a discount. 2 Likes |
Re: Treasury Bills In Nigeria by Nobody: 5:07pm On Jun 21, 2021 |
Brainbox0806: Talk true. No lie. If you see job you go dey drive Uber? No be joblessness make you go borrow money to buy car so that your poor children no go starve? At least we are not out in the sun driving Uber and taking insults from Lasma and riders to feed our hungry families. If you were not a bitter and frustrated soul, you would learn a thing or two from the debate. 2 Likes |
Re: Treasury Bills In Nigeria by OgogoroFreak(m): 5:09pm On Jun 21, 2021 |
Lazyyouth4u:Lmao! ![]() You think I take vituperations and bile especially from an online entity seriously? I even forgot you made such statement. I say what I have to say. You believe? Fine. You don't believe? Fine. Either ways, we move regardless. It doesn't change a thing. 16 Likes |
Re: Treasury Bills In Nigeria by skydiver01: 5:13pm On Jun 21, 2021 |
Life is a journey and an investment portfolio that will be useful in future takes time to build. The beauty of this thread, I feel, is how over the years it has grown from being a TBill only discussion thread to one encompassing and discussing all or most asset classes (Nigerian shares, US shares, FX, real estate, REITs, Eurobonds etc etc). They all have an underlying theme. They are income generating and encourage us all to invest during our active years to make all our lives more comfortable in future in whichever way we choose to live our lives (long life allowing of course). I am not suggesting one does not live as comfortably as one can today or during our active lives, I am merely pointing out that it gladdens me to see how this thread has over the years made more people become aware of some of the benefits of investing. The above said, the healthy discussions over different investing strategies (short-term, mid or long-term) are great although I do think it can all be had without insulting anyone with the exception of great sarcasm. I find great sarcasm healthy for the soul just as laughter is. 6 Likes |
Re: Treasury Bills In Nigeria by Nobody: 5:20pm On Jun 21, 2021 |
OgogoroFreak: Deep down in your mind of minds, you know the truth. That’s all I will say ![]() |
Re: Treasury Bills In Nigeria by otomatic(m): 5:25pm On Jun 21, 2021 |
Alright, gentlemen. Since one is reinvesting the coupons to compound what stops the other from reinvesting the rents to compound too especially since coupons are not automatically reinvested? 1 Like |
Re: Treasury Bills In Nigeria by 400billionman: 5:25pm On Jun 21, 2021 |
Lazyyouth4u: Anybody who owns a rental property knows you are off point. 8 Likes |
Re: Treasury Bills In Nigeria by OgogoroFreak(m): 5:26pm On Jun 21, 2021 |
Lazyyouth4u:Sure I did know the truth that YOU DON'T THINK DEEP ENOUGH. I only pity those who would take any investment stuff you said seriously and acted on it. 4 Likes |
Re: Treasury Bills In Nigeria by Nobody: 5:45pm On Jun 21, 2021 |
400billionman: Oh I’m talking off point when I say people that bought properties 30 years ago are selling them for more than 10x? Someone that bought a house for way less than a million Naira in Ikeja, Surulere or Yaba in 1990 is not selling that house for anything less than 20m today. I am not guessing. I know this for a fact. 2 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 5:46pm On Jun 21, 2021 |
otomatic: The difference is the amount to reinvest, one will have N5 million and the other will have N14 million. It will take one about 5 years to get his capital back through cash flow reinvestment, while it will take the other 14 years or 12 years assuming rent increased annually at 5% 3 Likes |
Re: Treasury Bills In Nigeria by Brainbox0806: 5:54pm On Jun 21, 2021 |
Lazyyouth4u: Na small pikin dey worry you, your emptiness can't be measured by the size of your accounts, you are just a young dum.b broke high-school boy. 6 Likes |
Re: Treasury Bills In Nigeria by Nobody: 5:55pm On Jun 21, 2021 |
emmanuelewumi: I don’t mean to overflog this issue but the same inflation that will allow you to keep reinvesting your coupons at 15% will also make the house’s value to keep rising and that is the koko for anyone that owns any decent ‘real’ asset in times of inflation. Seriously, instead of being happy about government borrowing all this money and keeping rates high, I would be more worried about government’s ability to pay the interest and principal when the time comes. And what my bond principal repayment can purchase in 30 years ![]() If government decides to print money to meet these obligations ehn... 3 Likes |
Re: Treasury Bills In Nigeria by 400billionman: 6:13pm On Jun 21, 2021 |
emmanuelewumi: What is the minimum capital for this bond ? Does it pay interest in monthly advance or annual advance ? |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 6:22pm On Jun 21, 2021 |
400billionman: In the primary market, you will need N50 million. In the secondary market, you will need about 100k, if you buy through Stanbic IBTC Bank others will require between N1 million and N20 million 7 Likes 2 Shares
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