{"id":2752,"date":"2020-10-31T22:27:37","date_gmt":"2020-10-31T22:27:37","guid":{"rendered":"https:\/\/kobotalk.com\/?p=2752"},"modified":"2024-12-17T16:11:24","modified_gmt":"2024-12-17T16:11:24","slug":"fgn-bonds","status":"publish","type":"post","link":"https:\/\/kobotalk.com\/BLOG\/fgn-bonds\/","title":{"rendered":"FGN Bonds: What They Are And How you Can Invest In Them"},"content":{"rendered":"Reading Time: <\/span> 4<\/span> minutes<\/span><\/span>
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Note: As at the time of writing this post, rates are generally low.\u00a0 Yield on 10 Year FGN Bonds is 4.6%\u00a0 and the coupon on FGN Savings Bond\u00a0 is 2.5% p.a.\u00a0 In an environment where inflation is at 13.22% (10\/20), these may not encourage capital flows to this asset class.\u00a0 Except of course, safety of\u00a0 investment has primacy over returns.<\/em>\u00a0<\/p>\n\n

FGN Bonds are very popular and form large portion of the portfolio of most institutional investors.\u00a0 The reason is not far fetched.\u00a0<\/p>\n

FGN bonds are safe investment because they are backed by the full faith of the government.\u00a0 And until recently, coupons on FGN Bonds are attractive and above inflation rate.\u00a0 So it makes sense for these big time investors to allocate more funds to government bonds: they enjoy the safety it provides as well as maximize return on investment.<\/p>\n

But it is not only institutional investors that can invest in FGN Bonds.\u00a0 Retail investors also can.\u00a0 In this post, you will learn how you can invest in FGN Bonds as a retail investor.<\/p>\n

What’s FGN Bonds<\/strong><\/h2>\n

These are long term debt instruments that the government use to borrow money from the investing public for the development of public infrastructure. Thus, when you invest in bonds issued by the Government you are actually lending money to them.\u00a0 And government is under the obligation to pay you agreed interest.<\/p>\n

FGN Bonds are usually long term in nature. It ranges from 2 years to 20 years and attract fixed interest payment which is usually payable half-yearly over the life of the bonds.\u00a0 At maturity, the Federal Government redeems the bonds, just the way a borrower returns borrowed money to the creditor.<\/p>\n

Interest may also be variable or floating.\u00a0 For example, the third and fourth tranche of the 1st FGN Bonds float around the the Treasury Bills rates within some set parameters.<\/p>\n

The Debt Management Office is the institution that manages federal government debt.\u00a0 As a result they have the responsibility of issuing bonds on behalf of the FGN<\/p>\n

FGN Bonds are risk free.\u00a0 In other words, investors are sure that they will get their money back.\u00a0 There is no default risk in FGN Bonds as long as the country remains in existence.<\/p>\n

Why Government Issues Bonds<\/strong><\/h3>\n

Government issues bonds basically to raise money to finance capital projects: roads, dams, ports, railways and other public infrastructure.\u00a0 Government issues different types of bonds.\u00a0 Some are types to specific projects, or targeted at certain segment of the market.\u00a0 For example, the Diaspora Bond that targets at Nigerians living abroad.\u00a0 Or they may target foreign portfolio investors and in foreign currency like Eurobonds.<\/p>\n

Federal Government may also issue bonds to finance budget deficit or to pay debts to owe to local contractors or to refinance foreign debts.<\/p>\n

Benefits of Investing in Bonds<\/h4>\n

Investing in Federal Government Bonds offer a lot of benefits to the investor.\u00a0 The most important is that the investment is risk free as stated earlier.\u00a0 You are certain of the safety of your capital.\u00a0 But another important benefit you get from investing in sovereign bonds is the tax free income.\u00a0 This means that the interest you earn on your investment is not subject to any form of tax.\u00a0 This is unlike dividend and rental income which are subject to with-holding tax.<\/p>\n

Investment in bonds also offers stable returns.\u00a0 You earn fixed amount of return every six months for the entire maturity period of the bond.\u00a0 What more, you can use your certificate of investment as collateral to borrow money from the bank.\u00a0 Interestingly, in addition to all these benefits, you are free to trade your bond certificate before maturity.\u00a0 This is possible because there is a secondary market for bonds which is the Nigeria Stock Exchange.\u00a0 If you do not wish to hold your investment till maturity, simply instruct your broker to sell at the debt segment of the stock exchange.<\/p>\n

Minimum Investment<\/strong><\/h4>\n

The minimum subscription for FGN Bonds in the primary auction is NGN50 million.\u00a0 It is lower in the secondary market.\u00a0 Some dealers accept N10 million.\u00a0 Isn’t NGN50 million too much for retail investors?\u00a0<\/p>\n

Yes!<\/p>\n

And that’s why the government introduced the FGN Savings Bond<\/a> in March, 2017.\u00a0 The FGN Savings Bond is a retail bond targeted at retail investors.\u00a0 It also has shorter maturity of between 2 to 3 years.\u00a0 Minimum investment in these bonds is\u00a0 NGN5,000.<\/p>\n

The government may also issue bonds with very low minimum subscription to widen participation.\u00a0 An example is the 5 – 30 year Re-opening bond issued in April 2020 by the CBN on behalf the Federal Government.\u00a0 Minimum investment for this bond was set at NGN10,000.<\/p>\n

How to Invest In FGN Bonds<\/strong><\/h5>\n

Government bonds can be purchased either through primary auction or from the secondary market.\u00a0 The primary auction is for new issues.\u00a0 The secondary market is where the bond holders can go and sell liquify their investment if they do not want to hold till maturity.\u00a0\u00a0<\/p>\n

The Nigeria Stock Exchange is the secondary market for bonds in Nigeria.<\/p>\n

To invest in bonds is simple.\u00a0 You will have to open a cscs account<\/a> first through an a registered stock broker.\u00a0 Then go to a Primary Dealer Market Maker of your choice.\u00a0 They will give you the relevant form which you will fill stating your personal details, bank account, cscs number, bid amount and volume required.\u00a0 The PDMM executes your order and your cscs account is credited with your investment after two days.<\/p>\n

Meanwhile, Primary Dealer Market Makers (PDMM) are financial institutions that are appointed by the DMO to deal and make markets for the Bonds market in Nigeria.\u00a0 They comprise of banks and investment firms.<\/p>\n

A Word About Yield<\/h5>\n

A bond yield is the amount of return an investor gets for investing in the bond.\u00a0 Ordinarily this should simply equal the coupon rate.\u00a0 However, it gets complex particularly if the holder wishes to sell before maturity.<\/p>\n

Bond yields are calculated as the annual coupon divided by the bond price.<\/p>\n

Thus, if you hold NGN1,000,000 worth of 10 year 12% FGN Bond and wishes to sell after three years at which time buyers are willing to pay NGN800,000; the yield shall be:\u00a0 120,000\/800,000 = 15%.<\/p>\n

Bonds prices and yield move in opposite direction.\u00a0 That is, the higher the price of bonds the lower the yield and the lower the price, the higher the yield.\u00a0 Prices of bonds are affected by a number of factors such as interest and inflation rate, forces of demand and supply amongst other factors.<\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

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Are there opportunities for people who don't have much money to invest in Nigeria and make money? Can a poor person invest in the stock\u2026","rel":"","context":"In "Investing"","block_context":{"text":"Investing","link":"https:\/\/kobotalk.com\/BLOG\/category\/investing\/"},"img":{"alt_text":"types of investments","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/05\/invest-in-nigeria-e1657262374209.jpg?fit=600%2C400&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/05\/invest-in-nigeria-e1657262374209.jpg?fit=600%2C400&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/05\/invest-in-nigeria-e1657262374209.jpg?fit=600%2C400&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":224,"url":"https:\/\/kobotalk.com\/BLOG\/best-investment-options-in-nigeria\/","url_meta":{"origin":2752,"position":2},"title":"Your 11 Best Investment Options In Nigeria","author":"Buchi","date":"January 2, 2023","format":false,"excerpt":"What are the best investment options in Nigeria? Let's talk about it! But first, why should you even\u00a0 invest? It is the best way to make your money work for you. Rather than working for your money. It is also one of the easiest ways of escaping the rat race.\u2026","rel":"","context":"In "Investing"","block_context":{"text":"Investing","link":"https:\/\/kobotalk.com\/BLOG\/category\/investing\/"},"img":{"alt_text":"types of investments","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/05\/invest-in-nigeria-e1657262374209.jpg?fit=600%2C400&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/05\/invest-in-nigeria-e1657262374209.jpg?fit=600%2C400&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/05\/invest-in-nigeria-e1657262374209.jpg?fit=600%2C400&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":4353,"url":"https:\/\/kobotalk.com\/BLOG\/5-investment-you-can-make-with-5000-naira-in-nigeria\/","url_meta":{"origin":2752,"position":3},"title":"5 Investment You Can Make With 5000 Naira In Nigeria","author":"Buchi","date":"April 1, 2022","format":false,"excerpt":"If you are reading this piece, you are probably wondering what you can do\u00a0 with 5,000 Naira.\u00a0 It's small and to some people, it's a change they can easily spend at the bar. 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Of course, you should\u2026","rel":"","context":"In "Business Ideas"","block_context":{"text":"Business Ideas","link":"https:\/\/kobotalk.com\/BLOG\/category\/business-ideas\/"},"img":{"alt_text":"Investment You Can Make With 5000 Naira","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/03\/nigeria-naira.jpg?fit=924%2C678&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/03\/nigeria-naira.jpg?fit=924%2C678&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/03\/nigeria-naira.jpg?fit=924%2C678&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/03\/nigeria-naira.jpg?fit=924%2C678&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":467,"url":"https:\/\/kobotalk.com\/BLOG\/earn-high-returns-by-investing-in-corporate-bonds-in-nigeria\/","url_meta":{"origin":2752,"position":4},"title":"How to Invest in Corporate Bonds in Nigeria","author":"Buchi","date":"June 2, 2018","format":false,"excerpt":"One profitable way to make money in Nigeria is by investing in corporate bonds. The Nigerian corporate bonds market is generating quite a lot interest in recent time; unfortunately, most retail investors do not think about corporate bonds when they are considering their investment options. This apathy is not peculiar\u2026","rel":"","context":"In "Investing"","block_context":{"text":"Investing","link":"https:\/\/kobotalk.com\/BLOG\/category\/investing\/"},"img":{"alt_text":"","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2018\/06\/bond.jpg?fit=942%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2018\/06\/bond.jpg?fit=942%2C628&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2018\/06\/bond.jpg?fit=942%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2018\/06\/bond.jpg?fit=942%2C628&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":212,"url":"https:\/\/kobotalk.com\/BLOG\/8-sure-ways-to-manage-your-money-better-and-avoid-personal-financial-troubles\/","url_meta":{"origin":2752,"position":5},"title":"8 Ways to Manage Your Money to Avoid Personal Money Troubles","author":"Buchi","date":"December 10, 2017","format":false,"excerpt":"The importance of money in our daily lives cannot be overemphasized. It is pervasive, yet very few people understand how to deal with the challenges arising from the use of it. If you want to live a good life you must learn how to manage your money better. Your money\u2026","rel":"","context":"In "Money Talk"","block_context":{"text":"Money Talk","link":"https:\/\/kobotalk.com\/BLOG\/category\/money-talk\/"},"img":{"alt_text":"","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/12\/coins.png?fit=837%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/12\/coins.png?fit=837%2C628&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/12\/coins.png?fit=837%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/12\/coins.png?fit=837%2C628&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/p96205-Io","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/2752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/comments?post=2752"}],"version-history":[{"count":2,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/2752\/revisions"}],"predecessor-version":[{"id":5307,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/2752\/revisions\/5307"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/media\/226"}],"wp:attachment":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/media?parent=2752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/categories?post=2752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/tags?post=2752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}