Learn how to invest in low-risk, predictable-return instruments like treasury bills, bonds, and government savings schemes. This category covers interest rates, yields, and strategies for earning steady income while preserving capital. Perfect for cautious investors seeking financial stability.Fixed income investments pay you interest at regular intervals, making them a cornerstone of stable, predictable returns. Find guides on Treasury bills, government and corporate bonds, and other fixed income options, including how they work, how to buy them, how to compare yields, and which risks to watch for.
Corporate bonds sit between the safety of government securities and the volatility of stocks — you trade a bit of safety for a noticeably better return. This guide covers how they work, the real risks worth understanding, and how to actually buy one in Nigeria.
The ₦50 million minimum for standard FGN bonds puts them out of reach for most people — but the retail-focused FGN Savings Bond starts at ₦5,000, pays tax-free interest every quarter, and can be bought entirely online. This guide covers how they work and exactly how to subscribe.
The gap between a quoted rate and what actually lands in your account trips up more Nigerian fixed income investors than almost anything else. This guide breaks down discount rate vs true yield, coupon rate vs current yield, and how tax and inflation affect what you actually keep.
“Government-backed” doesn’t mean “no risk.” This guide breaks down every meaningful risk in Nigerian fixed income — inflation, interest rate, default, liquidity, reinvestment, and currency risk — what each looks like in practice, and what you can actually do about it.
A 15% return isn’t always a 15% return — a 10% withholding tax quietly reduces most fixed income instruments, while FGN bonds and Sukuk keep every kobo. This guide breaks down exactly what you’ll pay, instrument by instrument.
A large company borrowing from investors for a few months, paying more interest than the government would — that’s a commercial paper. This guide covers how they work, realistic returns, the risks, and why most retail investors access them indirectly through money market funds rather than buying directly.
Not every naira you save should sit in the same place. This guide compares Treasury bills, fixed deposits, and money market funds side by side — returns, risk, liquidity, tax — so you can match each part of your money to the job it needs to do.
Sukuk bonds let you invest in government-backed securities without compromising Islamic finance principles — no interest, just rental and profit payments tied to real infrastructure projects, and fully tax-free under current legislation. Here’s how they actually work.
Both are backed by the Federal Government, but picking the wrong one can mean locking cash away when you need it, or missing years of tax-free income. This guide compares Treasury bills and FGN bonds head-to-head — and the real scenarios where each one wins.
Should you lend your money or own a piece of a company? This head‑to‑head comparison of fixed income and stocks in Nigeria breaks down risk, returns, and how to decide where your next naira belongs.