NewStats: 3,261,844 , 8,175,344 topics. Date: Friday, 30 May 2025 at 06:44 PM 4u36t

In everything you do, you have to define your purpose for doing it.
TB is not a business but a form of saving money for future investments instead of allowing the money in the bank to accumulate bank charges.
A lot of people speak about real investment but forgot you need a reasonable amount of you must make profit.
I bought a land for 3.5m in 2013 and I can hardly see an offer of 5m in 2025.

Like I said, Real estate is good and TB is also good depending on your intended purpose.

Do you know how many people TB is paying their bills today?

Put that same amount on land and you may likely get your interest when you sell it. Unfortunately bills don't wait for your land to appreciate

quote author=Educationalserv post=135459080]I regret investing in naira Treasury bill for last 10 years . inflation and devaluation has made it a stupid investment.
Our parents where not wrong .
Land /real estate Remain the ive way to riches
Am a Victim learn from me
My business partner that bought 3 plots in a Govt Layouts 5m 12years ago built duplexs
on it has Sold them for 450m naira in 2025
Properties have reprice and added devaluation and inflation and profit.
Another Land bought for 800k in 2006
Built a bungalow for 3m
Sold to 80m .
Outside the rent that he has received

[/quote]

chibuikejohn:
In everything you do, you have to define your purpose for doing it.
TB is not a business but a form of saving money for future investments instead of allowing the money in the bank to accumulate bank charges.
A lot of people speak about real investment but forgot you need a reasonable amount of you must make profit.
I bought a land for 3.5m in 2013 and I can hardly see an offer of 5m in 2025.

Like I said, Real estate is good and TB is also good depending on your intended purpose.

Do you know how many people TB is paying their bills today?

Put that same amount on land and you may likely get your interest when you sell it. Unfortunately bills don't wait for your land to appreciate

quote author=Educationalserv post=135459080]I regret investing in naira Treasury bill for last 10 years . inflation and devaluation has made it a stupid investment.
Our parents where not wrong .
Land /real estate Remain the ive way to riches
Am a Victim learn from me
My business partner that bought 3 plots in a Govt Layouts 5m 12years ago built duplexs
on it has Sold them for 450m naira in 2025
Properties have reprice and added devaluation and inflation and profit.
Another Land bought for 800k in 2006
Built a bungalow for 3m
Sold to 80m .
Outside the rent that he has received

there is LAND and land
A Govt approved Layout and any other land .
I challenge you to name the the Govt approved Layout you bought in 2013 that now 5m .Even Maiduguri with war will not deliver such returns

19.5%

You can participate in primary auction theough your bank

KingCassy:

I’m a bit confused…. What’s the yield? 19.5 or 24%.
Also how can one buy this primary auction

chibuikejohn:
In everything you do, you have to define your purpose for doing it.
TB is not a business but a form of saving money for future investments instead of allowing the money in the bank to accumulate bank charges.
A lot of people speak about real investment but forgot you need a reasonable amount of you must make profit.
I bought a land for 3.5m in 2013 and I can hardly see an offer of 5m in 2025.

Like I said, Real estate is good and TB is also good depending on your intended purpose.

Do you know how many people TB is paying their bills today?

Put that same amount on land and you may likely get your interest when you sell it. Unfortunately bills don't wait for your land to appreciate.

Don't just buy land anyhow. Is your land facing main road?? I mean a tarred road.
Someone I know bought land for 23m just this last December 2024. They are offering him 30m for same land now about 6 months later. Can TB give you that?
LAND land bro. Land banking is cool. You have to be strategic!

Calm down. Guys that bought land facing main road are fighting state government in court. State government sequestered their land. I bought mine inside cos I don't have strength for state government wahalla. I was heavily into straight tbills but now do tbills, , fd via mmf. No regrets. Everything is moving fine. Just let people do whatever they like.

OCTAVO:


Don't just buy land anyhow. Is your land facing main road?? I mean a tarred road.
Someone I know bought land for 23m just this last December 2024. They are offering him 30m for same land now about 6 months later. Can TB give you that?
LAND land bro. Land banking is cool. You have to be strategic!

Please who knows anything about kongapay? How safe is it?

enque:
19.5%

You can participate in primary auction theough your bank

Someone told me the primary auction rate is 24% while you’re saying 19.5.. now I’m more confused.
Omo my banks don’t want to give me much information. They’re insisting I go for secondary. Is there any bank or investment institution that can help with the primary auctioning when next it’s to happen

KingCassy:


Someone told me the primary auction rate is 24% while you’re saying 19.5.. now I’m more confused.
Omo my banks don’t want to give me much information. They’re insisting I go for secondary. Is there any bank or investment institution that can help with the primary auctioning when next it’s to happen

If you an open an with stanbic IBTC... It'll be good. They have the best rates for both primary and secondary market (as much as I can tell) and the best thing about stanbic is they have a link u can use to access tbills auction (both primary and secondary market) from the comfort of ur home, also... U can do primary market tbills for less than 50m as against some banks that insist on 50m threshold for primary market.

And yes, I've done all these with them, so it's not hearsay.


PS: I don't work with stanbic nor am I d to them. I'm just a satisfied customer.

vanvickie:


If you an open an with stanbic IBTC... It'll be good. They have the best rates for both primary and secondary market (as much as I can tell) and the best thing about stanbic is they have a link u can use to access tbills auction (both primary and secondary market) from the comfort of ur home, also... U can do primary market tbills for less than 50m as against some banks that insist on 50m threshold for primary market.

And yes, I've done all these with them, so it's not hearsay.


PS: I don't work with stanbic nor am I d to them. I'm just a satisfied customer.

Please kindly post the link.

OCTAVO:


Don't just buy land anyhow. Is your land facing main road?? I mean a tarred road.
Someone I know bought land for 23m just this last December 2024. They are offering him 30m for same land now about 6 months later. Can TB give you that?
LAND land bro. Land banking is cool. You have to be strategic

True.

presiade:

Compare the risk-free and peace-of-mind nature of treasury bills with “Omo onile” trouble in places like Lagos, tenants not paying rents in time, maintenance of the building, etc., you’d see why it’s better for some people to invest their money in instruments like TBills.

I want to believe some guys are land agents here trying to discourage people from investing in money market.
If you don't like the money market, then go and invest in the land you so wish instead of constantly coming here to lament

chibuikejohn:
In everything you do, you have to define your purpose for doing it.
TB is not a business but a form of saving money for future investments instead of allowing the money in the bank to accumulate bank charges.
A lot of people speak about real investment but forgot you need a reasonable amount of you must make profit.
I bought a land for 3.5m in 2013 and I can hardly see an offer of 5m in 2025.

Like I said, Real estate is good and TB is also good depending on your intended purpose.

Do you know how many people TB is paying their bills today?

Put that same amount on land and you may likely get your interest when you sell it. Unfortunately bills don't wait for your land to appreciate

quote author=Educationalserv post=135459080]I regret investing in naira Treasury bill for last 10 years . inflation and devaluation has made it a stupid investment.
Our parents where not wrong .
Land /real estate Remain the ive way to riches
Am a Victim learn from me
My business partner that bought 3 plots in a Govt Layouts 5m 12years ago built duplexs
on it has Sold them for 450m naira in 2025
Properties have reprice and added devaluation and inflation and profit.
Another Land bought for 800k in 2006
Built a bungalow for 3m
Sold to 80m .
Outside the rent that he has received

Exactly bro.
Exactly.
Bills won't wait for your land to appreciate to sell it.
Moreover, who says you can't do the 2?
I don't even know the guy's motive in the group.
He comes here every 2/3 months screaming don't do TB, it is rubbish, invest in land.
If he is a land agents trying to market his properties, let him come out clean rather than all these legbe legbe format

Good day folks..please I am looking for the following with any of the major banks:
- A USD investment with at least 10% interest, capital guaranteed and both capital and interest can be taken out in USD and NOT Naira.

The investment potfolio should be with a major bank ered with CBN e.g IBTC.

Please let me know if there are options out there.

chibuikejohn:
In everything you do, you have to define your purpose for doing it.
TB is not a business but a form of saving money for future investments instead of allowing the money in the bank to accumulate bank charges.
A lot of people speak about real investment but forgot you need a reasonable amount of you must make profit.
I bought a land for 3.5m in 2013 and I can hardly see an offer of 5m in 2025.

Like I said, Real estate is good and TB is also good depending on your intended purpose.

Do you know how many people TB is paying their bills today?

Put that same amount on land and you may likely get your interest when you sell it. Unfortunately bills don't wait for your land to appreciate

quote author=Educationalserv post=135459080]I regret investing in naira Treasury bill for last 10 years . inflation and devaluation has made it a stupid investment.
Our parents where not wrong .
Land /real estate Remain the ive way to riches
Am a Victim learn from me
My business partner that bought 3 plots in a Govt Layouts 5m 12years ago built duplexs
on it has Sold them for 450m naira in 2025
Properties have reprice and added devaluation and inflation and profit.
Another Land bought for 800k in 2006
Built a bungalow for 3m
Sold to 80m .
Outside the rent that he has received

Leave that guy...he has been shun severally in the past,now he has surfaced again with his iberiibetisms.

As far as there are classes of investments,people will opt out for what suits them. Many here are into real estate but must we announce it?

vanvickie:


If you an open an with stanbic IBTC... It'll be good. They have the best rates for both primary and secondary market (as much as I can tell) and the best thing about stanbic is they have a link u can use to access tbills auction (both primary and secondary market) from the comfort of ur home, also... U can do primary market tbills for less than 50m as against some banks that insist on 50m threshold for primary market.

And yes, I've done all these with them, so it's not hearsay.


PS: I don't work with stanbic nor am I d to them. I'm just a satisfied customer.

Please can I have the link?

emmaodet:


I want to believe some guys are land agents here trying to discourage people from investing in money market.
If you don't like the money market, then go and invest in the land you so wish instead of constantly coming here to lament

All I see here is cluelessness! Have you seen any land advert so far here on this thread??
Personally, I'm very heavy on TBills too mind you. It's just one of my portfolios. Key word here is diversification! No body get time to dey market land up and down o.
See, make una forget land matter abeg. Nobody is trying to convince anyone to leave TBills for Land banking. Simply add land banking to your portfolio if you can, that's all! If you can't, then continue your TBills in peace.

emmaodet:


I want to believe some guys are land agents here trying to discourage people from investing in money market.
If you don't like the money market, then go and invest in the land you so wish instead of constantly coming here to lament

Exactly! There’s a reason I didn’t engage him any further.

vanvickie:


If you an open an with stanbic IBTC... It'll be good. They have the best rates for both primary and secondary market (as much as I can tell) and the best thing about stanbic is they have a link u can use to access tbills auction (both primary and secondary market) from the comfort of ur home, also... U can do primary market tbills for less than 50m as against some banks that insist on 50m threshold for primary market.

And yes, I've done all these with them, so it's not hearsay.


PS: I don't work with stanbic nor am I d to them. I'm just a satisfied customer.

I sent you a dm bro

OCTAVO:

All I see here is cluelessness! Have you seen any land advert so far here on this thread??
Personally, I'm very heavy on TBills too mind you. It's just one of my portfolios. Key word here is diversification! No body get time to dey market land up and down o.
See, make una forget land matter abeg. Nobody is trying to convince anyone to leave TBills for Land banking. Simply add land banking to your portfolio if you can, that's all! If you can't, then continue your TBills in peace.

I totally agree with you.
You can do the 2 together as a means of diversifying.
Moreover, who says you can't use your treasure bill to fund your land purchase.
Let's do a little maths -
i invest 20m in TB giving me 4m per year which i now use in buying a land.
If i continue that process for 5 years, i will still have 20m after the 5th year with land investment of 20m ( 4m per year land buying)
Total return on invested capital of 20m in 5 years = 20m (TB) + 41m from land banking in 5 years ( 4m land in years 1 now 15m, 4m year 2 now 10m, 4m year 3 now 6m, 4m in year 4 now 5m and 4m in year 5 now 5m)
So in 5 years, using my TB return to be buying land will give me roughly 60m return without touching the money.
The naira devalues against the dollars by 24% per year
My TB 20m returning 61m in 5 years is 25% growth per year which beats the dollar that is been used as bench mark here.
In other words, what my 20m could buy 5 years ago like car, my return will be able to buy it with little change on it today.
in 2014, $1 = #197 and in 2024, $1 = #1650. That is a 23% devaluation per year.
He claimed someone bought a land in 2008 for 2.2m and sold it this year for 73m, that is a 23% growth rate per year within that 17 years.

emmaodet:


I totally agree with you.
You can do the 2 together as a means of diversifying.
Moreover, who says you can't use your treasure bill to fund your land purchase.
Let's do a little maths -
i invest 20m in TB giving me 4m per year which i now use in buying a land.
If i continue that process for 5 years, i will still have 20m after the 5th year with land investment of 20m ( 4m per year land buying)
Total return on invested capital of 20m in 5 years = 20m (TB) + 41m from land banking in 5 years ( 4m land in years 1 now 15m, 4m year 2 now 10m, 4m year 3 now 6m, 4m in year 4 now 5m and 4m in year 5 now 5m)
So in 5 years, using my TB return to be buying land will give me roughly 60m return without touching the money.
The naira devalues against the dollars by 24% per year
My TB 20m returning 61m in 5 years is 25% growth per year which beats the dollar that is been used as bench mark here.
In other words, what my 20m could buy 5 years ago like car, my return will be able to buy it with little change on it today.
in 2014, $1 = #197 and in 2024, $1 = #1650. That is a 23% devaluation per year.
He claimed someone bought a land in 2008 for 2.2m and sold it this year for 73m, that is a 23% growth rate per year within that 17 years.

You cannot continue to roll over Treasury bills at the same rate annually and get fixed and guaranteed return. The rate could become way lower by the time your first investment matures. It could also be higher but the average cannot be 20%.
We all know why we are seeing such elevated rates lately. By the time the economy stabilizes and inflation goes down, MPR rate will go down and TB rates will be lowered .
I don't think 20% will be available next year.

Some of us have even done TB at 10% and at such times it looked high to us it's all about the state of the economy at any material time.
Foe now, 20% is good but its not guaranteed.

If you had invested the N20 million in a bond that pays 20%, then the guarantee of N4 Million annually can be certain but not TB

unite4real:


You cannot continue to roll over Treasury bills at the same rate annually and get fixed and guaranteed return. The rate could become way lower by the time your first investment matures. It could also be higher but the average cannot be 20%.
We all know why we are seeing such elevated rates lately. By the time the economy stabilizes and inflation goes down, MPR rate will go down and rates TB rates will be lowered .
I don't think 20% will be available next year.

Some of us have even done TB at 10% and at such times it looked high to us it's all about the state of the economy at any material time.
Foe now, 20% is good but its not guaranteed.

If you had invested the N20 million in a bond that lays 20%, then the guarantee of N4 Million annually can be certain but not TB

Either way, just get the point am making and investment is not a race.
That Jide invested 2m in land and got 20m in 5 years does not mean Bayo should do so too.
Know your investment temperament, time, skills etc to do it.
The most important thing is that at the end of the day, you are making a decent return.
Jide makes 20m out of 2m in 5 years, if you make 7-10m within that period, it is just good too.

KingCassy:


Someone told me the primary auction rate is 24% while you’re saying 19.5.. now I’m more confused.
Omo my banks don’t want to give me much information. They’re insisting I go for secondary. Is there any bank or investment institution that can help with the primary auctioning when next it’s to happen

enque is correct. Rate is 19.5 except the person is saying yield which is 24.3%. You will get it if you re-invest or opt in for interest at maturity
Also, ensure you invest with a bank or licensed investment company.

Regards,

stokfrick:
Pls I want to sell my Treasury bills I bought on the secondary market with stanbic secondary market. I've only stayed for 1 month but the total duration was supposed to be for 5 months. I need to redeem the money for an urgent need.

Pls are there going to be any deductions from my money and pls at what rate.
I'll appreciate anyone with info or past experience on this

Yes your bill will be re-discounted by Stanbic using the prevailing rate
You can reachout to them for more information

Can we have this forum concentrate on what it is setup for - which is Treasury Bill. You can start another forum on Real Estate and shift the discussion to that forum.

unite4real:


You cannot continue to roll over Treasury bills at the same rate annually and get fixed and guaranteed return. The rate could become way lower by the time your first investment matures. It could also be higher but the average cannot be 20%.
We all know why we are seeing such elevated rates lately. By the time the economy stabilizes and inflation goes down, MPR rate will go down and TB rates will be lowered .
I don't think 20% will be available next year.

Some of us have even done TB at 10% and at such times it looked high to us it's all about the state of the economy at any material time.
Foe now, 20% is good but its not guaranteed.

If you had invested the N20 million in a bond that pays 20%, then the guarantee of N4 Million annually can be certain but not TB

OCTAVO:

All I see here is cluelessness! Have you seen any land advert so far here on this thread??
Personally, I'm very heavy on TBills too mind you. It's just one of my portfolios. Key word here is diversification! No body get time to dey market land up and down o.
See, make una forget land matter abeg. Nobody is trying to convince anyone to leave TBills for Land banking. Simply add land banking to your portfolio if you can, that's all! If you can't, then continue your TBills in peace.

Keyword here is diversification. While land returns generates much interest, not everyone would make a great "harvest " on flipping lands.
The goal is grow your money using all medium be it real estates, investment, et al. Let you money work for you

I tactically refused to that discussion.

I am here for treasury bills.
This is a pro-tbills forum.
We equally have threads for construction and properties etc, if you wish to take a deep dive into properties, please do so in the right forum.

It's insane that we will invade tbills sanctuary and start talking down on tbills.

Meanwhile, we all have our reasons for investing. Tbills fits what I want(to count billions in physical cash).

I have stated here before that it took me years to sell a twin 3 bedroom in a federal government estate for less than 10m, an investment I held ffor about a decade that returned less than a million naira in rent and a police case.

Land banking is great but must it be great for everyone? You might be that exception just like I was check well and do not allow the bandwagon effect catch up with you.

From my experience, land is not easy to sell except maybe you are a professional agent and if you are not then expect the agents to squizz you off your earnings.

I am not saying you shouldn't buy properties but I am saying don't believe if you have a surgery to undergo, you will sell that land next week and cash out.

I pray tbills remain around 20℅, go and buy your land and make all the money, we ain't competing.

Timmi:
Can we have this forum concentrate on what it is setup for - which is Treasury Bill. You can start another forum on Real Estate and shift the discussion to that forum.

If only you can take the time to read my comment. where on it did you see anything directly connected or related or mention of real estate.
My comment has treasury bills all over the place. So i wonder from what corner your reply is coming from.

maybe you can help to highlight on the comments where i mentioned real estate

RayRay06677:
I tactically refused to that discussion.....

With this comprehensive post, it's time to call it a day re: the unnecessary 'I better my neighbour' argument. After all, one man's meat is another man's 'poisson'.
Peace ✌🏽

Odunharry:

enque is correct. Rate is 19.5 except the person is saying yield which is 24.3%. You will get it if you re-invest or opt in for interest at maturity
Also, ensure you invest with a bank or licensed investment company.

Regards,

Yield? Now I’m more confused…. What’s the difference.. and I thought Tbills interest is payed upfront, do they have option for interest at maturity.

Please in simple .. with this picture I posted below, how much will I be paid if I invest in primary auction of TB

KingCassy:


Yield? Now I’m more confused…. What’s the difference.. and I thought Tbills interest is payed upfront, do they have option for interest at maturity.

Please in simple .. with this picture I posted below, how much will I be paid if I invest in primary auction of TB

How much you will get all depends on the tenure and amount you are investing.

Take for instance P*R*T/100, the calculation will give you your interest amount.
10,000,000*0.1956*364/100=1,950,641. Some banks deduct custodian and other charges, some also deduct W.H.T from interest amount.