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Nairaland Forum / Nairaland / General / Investment / Treasury Bills In Nigeria (4679722 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): 2:33pm On Jul 25, 2020 |
Phraences: There will be serious mistakes when you handle Investors funds that is 50 times or more of your capital. An agric business that is worth N10 million, handling funds of over N500 million. Even the equity/debt ratio of banks are not as highly geared as this Reason why CBN, SEC and NSE have stringent conditions for cash deposits taking Businesses. A bank with a shareholders fund of N100 billion can be handling cash deposits of N1 Trillion 1 Like |
Re: Treasury Bills In Nigeria by CsRockefeller(m): 2:34pm On Jul 25, 2020 |
I'm not so familiar with these loans, hire purchases and other biz deals. I've always wondered, if I pay by debt obligation let's say 10% on N1million to 80% and I'm no longer able to pay the further 20%, what happens to my collateral? Do I still completely forfeit it? 1 Like |
Re: Treasury Bills In Nigeria by Frank0001(m): 2:36pm On Jul 25, 2020 |
Hello House how reliable is this Wema ALAT “Savings & Invetment” App?
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Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:36pm On Jul 25, 2020 |
CsRockefeller: Then why did the loanee ask for a 500k loan, which he promised to pay back within 12 months 3 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:37pm On Jul 25, 2020 |
CsRockefeller: They will sell your collateral, use the proceeds to pay your balance and you will get your change. 3 Likes |
Re: Treasury Bills In Nigeria by CsRockefeller(m): 2:44pm On Jul 25, 2020 |
emmanuelewumi: Hahahaha, not fair o. |
Re: Treasury Bills In Nigeria by CsRockefeller(m): 2:45pm On Jul 25, 2020 |
emmanuelewumi: I'm just saying that a Bank/Financial institution might not be too interested in d collateral but d viability of d biz. 1 Like |
Re: Treasury Bills In Nigeria by IyaTola: 2:47pm On Jul 25, 2020 |
Good afternoon to all Ogas. Pls my friend need advice on her nvestment The situation is real but the amount invested not exact. She has a 12.4 Mar 2036 BOND with a yield of 13.9 % 14.4m was invested in October 2019. Amount to be paid on maturity is 16.3m.(bought on discount) Yearly coupon is about 2m Total amount to realise on maturity is 48m assuming the coupons are not invested. Now, if she liquidate the investment today, she will realise about 20m becos of drop in rates. She can decide to invest the 20m in stocks at a minimum dividend yield of 15% for the next 16 years Should she keep the bond till maturity or liquidate and invest in stocks. Thanks in advance she reading as a guest. |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:48pm On Jul 25, 2020 |
CsRockefeller: The best thing is to pay up The N1 million naira car can be sold for 400k, maybe the debt remains 100k. After that the debtor will get his balance of 300k. He would be given between 2 weeks to 4 weeks of grace, although the interest will count for those periods 2 Likes 1 Share |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:51pm On Jul 25, 2020 |
CsRockefeller: They are interested in the viability of the business, your collateral is also important. It shows your confidence about the business. You put your money where your mouth is 4 Likes |
Re: Treasury Bills In Nigeria by Greenvaiper: 2:51pm On Jul 25, 2020 |
emmanuelewumi: In January when they advertised their grass cutter cycle, I looked at what they were brandishing as their indices and I wasn't satisfied. I warned people on the digital agric thread concerning investing in that particular company, but I guess when people hear mouth watering ROIs with no basis, they allow the greed in them to determine their actions. It's so sad cos the CEO of that company is on AWOL 1 Like |
Re: Treasury Bills In Nigeria by Godbpraised: 2:52pm On Jul 25, 2020 |
[No emotions or sentiments in business CsRockefeller: 1 Like |
Re: Treasury Bills In Nigeria by Godbpraised: 2:54pm On Jul 25, 2020 |
Exactly !!! emmanuelewumi: |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 2:55pm On Jul 25, 2020 |
Greenvaiper: I doubt if he is still in the country. They should get the BVN to the account. They need to come together and institute a class action against the guy. Too bad |
Re: Treasury Bills In Nigeria by arduino: 2:57pm On Jul 25, 2020 |
Godbpraised:Some of the best presidents of America were farmers sha..... |
Re: Treasury Bills In Nigeria by Godbpraised: 2:57pm On Jul 25, 2020 |
I dey gbadun your delivery. emmanuelewumi: |
Re: Treasury Bills In Nigeria by Godbpraised: 2:59pm On Jul 25, 2020 |
Who if I may ask and beyond that what was thier level of education. arduino: |
Re: Treasury Bills In Nigeria by LandMann: 3:08pm On Jul 25, 2020 |
2 Likes |
Re: Treasury Bills In Nigeria by einsteine(m): 3:18pm On Jul 25, 2020 |
emmanuelewumi: Well, the collateral is just security. No bank packages loan with the intent of eventually selling off collateral because if it gets to that stage, it means the bank has failed in its credit appraisal duties. First Bank took a loss on its Sea Wolf loan despite the fact that it was fully collaterized with the Oritsemeyin and Onome Oil Rigs 2 Likes |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 3:26pm On Jul 25, 2020 |
einsteine: Insiders abuse. First Bank is like civil service, treated like no man's business. What about the $200 million dollars Atlantic Oil deal which went bad If you want to talk about profitably managed banks talk of Zenith bank, GTB, Stanbic IBTC and Access bank 11 Likes 1 Share |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 3:28pm On Jul 25, 2020 |
Go to the business section of Nairaland, more than 90% of the business and Investment opportunities marketed by Nairalanders usually ended in premium tears and heavy losses 8 Likes 1 Share |
Re: Treasury Bills In Nigeria by LandMann: 3:31pm On Jul 25, 2020 |
emmanuelewumi: Investors ought to be rational but I guess being rational is mostly subjective in this part of the world. Information asymmetry exist so much in our economy that makes making rational decisions difficult. Thus, supposed rational decisions turn to irrational decisions if examined under the microscope of economics. This is worse in the financial sector where most investors just rush at financial instruments offering interest rates that can't even cover for inflation... Look at sukuk for instance... 11.2% interest rate while official inflation rate is (14%)... unofficial inflation is over 20%. Would you say that investing in Sukuk is rational given these parameters? The real sector as represented by the stock market is the another good alternative right now because it also represents individuals pulling resources together to invest in the real sector. A downside to them is you have to do your due diligence to avoid putting your money into a sinking company. Salary Earners Quitting Their Job? I certainly can't suggest that they quit their job... But putting their hard earned salary in interest bearing investments that pay less than 14% is bad investment because they are losing in the real sense. |
Re: Treasury Bills In Nigeria by einsteine(m): 3:31pm On Jul 25, 2020 |
emmanuelewumi: Well, in any case, what I am saying is that lenders cannot afford to rely on only collateral security. I have seen the case where a faulty car was dropped as collateral. The lender was unaware because at that moment, the car seemed okay. Thats why we have the five Cs of Credit of which collateral is only one of them. 1 Like |
Re: Treasury Bills In Nigeria by arduino: 3:32pm On Jul 25, 2020 |
Godbpraised:Abraham Lincoln Goerge Washington Theodore Roosevelt Jimmy Carter Bill Clinton too little farming background |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 3:35pm On Jul 25, 2020 |
einsteine: As stated it is the last thing the lender considers and it is an additional security. |
Re: Treasury Bills In Nigeria by Godbpraised: 3:37pm On Jul 25, 2020 |
U wan compare those guys with person wey get 50000 cows arduino: |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 3:39pm On Jul 25, 2020 |
LandMann: It is their money, their investments, and their returns. They are adults, who are solely responsible for their actions and actions. You need to know that the money invested in fixed income, real estate, portfolio Investments come directly or indirectly from the real sector. As usual, different strokes for different folks. Do what works for you and they will do what works for them It is an exercise in futility taking paracetamol for another person's headache. 16 Likes |
Re: Treasury Bills In Nigeria by NL1960: 3:41pm On Jul 25, 2020 |
Greenvaiper: If the CEO is on AWOL, are you sure he has not relocated abroad?. With the money he collected from people, express route to Canada no go hard am.. |
Re: Treasury Bills In Nigeria by Godbpraised: 3:43pm On Jul 25, 2020 |
What would you rather have investors do than invest in sukuk or just allow thier money sit ideal in the bank. Me thinks investing in the sukuk was a fair deal . LandMann: |
Re: Treasury Bills In Nigeria by LandMann: 3:48pm On Jul 25, 2020 |
emmanuelewumi: @Bolded Where does majority of money invested in financial instruments come from? |
Re: Treasury Bills In Nigeria by arduino: 3:48pm On Jul 25, 2020 |
NL1960:Sergie Mavrodi sleeping agents in Nigeria just dey wake up one after the other in the form of digital agriculture. 1 Like |
Re: Treasury Bills In Nigeria by emmanuelewumi(m): 3:52pm On Jul 25, 2020 |
LandMann: Salaries of employees deducted for pension, less than 20% of bank deposits, dividends from investments, rental income. There is a limit of the total bank deposits that can be Invested in fixed income. |
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