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Nairaland Forum / Nairaland / General / Business / What Is The Difference Btw Treasury Bill And Fixed Deposit (38294 Views)
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Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by poseidon12: 10:12am On Jan 07, 2018 |
ecolime: Good business like which one? Business is very risky. The TB investment is guaranteed. |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by ruggedsoul(m): 10:13am On Jan 07, 2018 |
Treasury Bill is d best |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by FrenchWay: 10:14am On Jan 07, 2018 |
nickxtra:Very easy... You empty the wholebags and put what we call bomb. Reseal it and repeat like after some tym. Months. Its good investment. |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by FrenchWay: 10:16am On Jan 07, 2018 |
WisdomEfe:Such risk is very small and minimal. U can sacrifice a room. For the peat, its very easy to ta kle. There are chemicals to buy and mix the beans with. after which u reseal. The chemicals are potent for some months after which the beans can be. Consumed |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by STARGREEN(m): 10:17am On Jan 07, 2018 |
henryomez:Boss. Seems you omitted much. TB has even 7days maturity. You can invest as low as 10k. The rate is not fixed. 1 Like |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by fesdo(m): 10:29am On Jan 07, 2018 |
Beress: Nna mehn you no do the maths well ooo At 12%, you will get a little below 112k per year ooo not 480k |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by iamDjSkukie(m): 10:35am On Jan 07, 2018 |
ladyF:tell me more about it, i'm interested |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by nickxtra(m): 10:37am On Jan 07, 2018 |
FrenchWay:Bomb? The rat/insect killer? |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by poseidon12: 10:39am On Jan 07, 2018 |
Reference: Interesting definition there. 1 Like |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by ibinaboonline: 10:42am On Jan 07, 2018 |
ladyF:You'd be making a gamble or taking risks by investing in cryptocurrencies but TB or FD is a solid investment though, of course, the yield is lower than what is obtainable from stuff like bitcoin |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by DadR: 10:48am On Jan 07, 2018 |
Not at all. It's 12% per annum and not flat. Beress: |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by mailingdgreat: 10:49am On Jan 07, 2018 |
12345baba:because u succeeded in poultry business does not mean every other investments are trash. Try to be more open and respectful to other people's opinion. Besides, what may work well for you might not even succeed for others. 1 Like |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by BiafraIShere(m): 10:54am On Jan 07, 2018 |
Beress:The formula you used in your calculation is wrong. 1m TB at 12% will give you a maximum of about 140k plus annually. Remember it is multiplied by 12 & divided by the number of months/tenor I.e. 90 days, 180 days and 365 days respectively. Regardless, T.bills is about the best way of saving money, it's interest rate is usually above inflation rate which means that your money never loses value unlike Fixed deposit. FD sucks! Also, the minimum amount you can invest in T.bills is 100k and it's almost 100% safe unlike FD that will be lost if peradventure the bank folds up. 1 Like 1 Share |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by ibinaboonline: 10:55am On Jan 07, 2018 |
henryomez:Yours is the best answer. Now, since the interest rate of the TB is 12% and the minimum tenure is 3 months. Does this mean an investor earns 12% each month of the 3,6 or 12 month tenure? For example, 12% of 1000000 is 120k. Would a three month investment now be 120k times 3? |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by DadR: 10:57am On Jan 07, 2018 |
Primary market Tbills can also be rediscounted. It's not compulsory you hold till maturity. However, you may tend to loose more than the interest you've been paid. AceVentura: |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by BiafraIShere(m): 11:02am On Jan 07, 2018 |
STARGREEN:That's not true, T.B has a minimum of 90 days tenor, others are 180 days and 360 days. Also, the minimum amount you can invest is 100k. I know these because I've been investing in T.bills with different banks for donkey years! |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by ibinaboonline: 11:02am On Jan 07, 2018 |
Chai. This is very good thread and I've learned something good today. People invested this kind of capital in mmm. Unbelievable 1 Like |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by DadR: 11:04am On Jan 07, 2018 |
The 12% is calculated per annum and paid over the tenor. ibinaboonline: |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by emynem05(m): 11:05am On Jan 07, 2018 |
Don't even know how some people take pass for school. Someone will take time to explain another will come and confuse everybody again 12% is fixed The duration can be 3,6, 12 months For 3months it is 12%x 1m x 1 For 6months it's 12% x1m x 2 (2 because it's 2 quarters I.e 3 and 3=6) For 12months it's 12% x1m x 4 (4 quarters makes 12 months) If you no understand this one then u need to go back to nursery school 1 Like |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by vitality22(m): 11:07am On Jan 07, 2018 |
iamDjSkukie:Bros, put in your money into bitcoin (Usitech) and go to bed with your returns daily into your wallet. One bitcoin is over $16,000 US dollars as at this morning. Send me a whatsapp message on 08099663004 with your name, you will be added to the whatsapp group. When you become convinced, you can then become a partner and invest and watch your money grow daily for 5 days a week. 2 Likes |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by DadR: 11:07am On Jan 07, 2018 |
He's actually right. Tbills can have maturity of 7 days, this can only be gotten from the secondary market though. Primary market tenors are fixed, i.e. 91, 182 and 364 days. BiafraIShere: |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by jobsat34(m): 11:23am On Jan 07, 2018 |
pol23: That 12% is annual rate ooo Ur 90 days interest will be Principal amt * 12% * 90 divided by 365 |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by ibinaboonline: 11:24am On Jan 07, 2018 |
DadR:ok. Well, that's still good considering an investor would be earning a total of 480k in a year |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by aspirebig: 11:28am On Jan 07, 2018 |
Can someone throw more light on Mutual fund and these two? A lot of people are saying that the interest rate is low but in business, the lower the risk the lower the returns and vice versa. All of you saying ..go for bitcoin..who is regulating the bitcoin market? What happens if the money in bitcoin disappears? I want an investment with a guaranteed capital and returns and not one high returns investment that investment will disappear with...just like all these #ponzi. . 1 Like |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by janga(m): 11:38am On Jan 07, 2018 |
well if someone invest 20,000000 in TB for a 90days tenure, then what will be the interest� |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by Tex42(m): 11:41am On Jan 07, 2018 |
henryomez:Thanks for the explanation. Have this question for u. Assuming I want to invest #1m for a period of 3months, what will be the interest accrued to me. Secondly, can I withdraw the #1m I invested at will? Also, how can invest in the treasury bill. Note: emphasis is on treasury bill. Thanks! |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by obatoro: 11:41am On Jan 07, 2018 |
Fixed deposit is glorified savings account. Treasury bills pay higher interest than FD. You can liquidate both at any time but you will be charged some fees. |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by Nobody: 11:43am On Jan 07, 2018 |
FrenchWay: U have knowledge about beans business? |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by Nobody: 11:44am On Jan 07, 2018 |
My kinda topic. |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by Nobody: 11:46am On Jan 07, 2018 |
vitality22: You are selling one btc and above? |
Re: What Is The Difference Btw Treasury Bill And Fixed Deposit by jobsat34(m): 11:52am On Jan 07, 2018 |
emynem05: 12% rate is annual Ur tenor determines how to pro-rata.. 90days tenor will be rate multiply by 90/365 Same thing for 180days tenor |
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