{"id":528,"date":"2018-07-05T11:51:34","date_gmt":"2018-07-05T11:51:34","guid":{"rendered":"https:\/\/kobotalk.com\/?p=528"},"modified":"2019-01-22T13:04:17","modified_gmt":"2019-01-22T13:04:17","slug":"what-is-fgn-savings-bond-and-how-can-you-invest-in-it","status":"publish","type":"post","link":"https:\/\/kobotalk.com\/BLOG\/what-is-fgn-savings-bond-and-how-can-you-invest-in-it\/","title":{"rendered":"FGN Savings Bond: Another Alternative Way to Save"},"content":{"rendered":"Reading Time: <\/span> 5<\/span> minutes<\/span><\/span>
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If you are considering an alternative way of saving to earn higher returns than what you will normally get from your regular savings account with your bank, then the FGN Savings Bond may just be what you need.\u00a0 In case, you do not know, a bond is a financial instrument with which an entity borrows money from the public.\u00a0 <\/span><\/p>\n

It is more or less a promissory note or an IOU in which the entity admits that it owes the lender a certain amount and undertakes to pay the entire debt at a particular future date. The borrowing entity is known as the Issuer.<\/span><\/p>\n

Now the issuer of a bond can be a national government, state government or local government and\/or their agencies.\u00a0 It can also be a business organization or public corporation.\u00a0 A bond issued by a national government is known as Sovereign bond, bond <\/span>issued by state governments are called sub-national bond while bonds issued by local governments are known as municipal bonds.\u00a0 <\/span>Bond issued by business organizations and public corporations are called corporate bond.<\/a><\/span><\/p>\n

Governments borrow money by issuing bonds to finance budget deficits, build infrastructure and maintain existing ones.\u00a0 Corporations on the other hand <\/span>can issue bond <\/span>to raise fresh capital, undertake business expansion, build more factories or rehabilitate existing plants.<\/span><\/p>\n

When you invest in a bond you automatically become a creditor to the issuer and you are entitled to periodic interest payment. You will also receive a promise to be repaid the face value of the bond at maturity.<\/span><\/p>\n

The Federal Government of Nigeria issues different types of bonds to meet different objectives.\u00a0 The most common is the FGN Bonds which are issued for long term <\/span>ranging from 5 years to 10 years and there is possibility <\/span>that 20 to 30 year <\/span>bonds may be in\u00a0<\/span> issue in time to come. There is also the Euro Bond which is denominated in foreign currency and is targeted at global institutional investors; the Diaspora Bond which is also foreign currency denominated is targeted at Nigerians in Diaspora.<\/span><\/p>\n

The Bonds issued by the federal government usually have long duration or maturities, sometimes for as long as 20 years.<\/span><\/p>\n

However, in March 2017, the government introduced the FGN Savings Bond in response to market demands.\u00a0 The FGN Savings Bonds have shorter <\/span>duration of between 2 \u2013 3 years and pays higher interest rates (coupon). \u00a0The FGN Savings Bond is the focus of this post<\/span><\/p>\n

What You Should Know About the FGN Savings Bond?<\/strong><\/span>It is a retail bond product introduced by the Federal Government of Nigeria to enable the low income segment<\/span> of the society to participate<\/span> in funding government infrastructural projects by investing in the bond market.\u00a0 In doing so, it also provides an alternative window for low income earners to save money and get attractive returns on investment.
\n<\/span><\/p>\n

How Is FGN Savings Bond Issued?<\/strong><\/span><\/p>\n

The FGN Savings Bond is issued monthly by the Debt Management Office in tenors of 2 and 3 years.\u00a0 The offer for subscription is usually opened for five working days and the interest rate or coupon is determined by the DMO.\u00a0<\/span><\/p>\n

Coupon Rate<\/strong><\/span><\/p>\n

This is the interest payable on bonds and as highlighted earlier, for the FGN Savings Bond, the coupon is determined by the DMO based on prevailing market indices. Interests on these bonds have ranged between 13 \u2013 14 percent for the two-year <\/span>bond and the three-year <\/span>bond respectively. These rates beat what you ordinary will earn on your savings or even a fixed deposit account.\u00a0 With inflation now at 11 per cent <\/span> and trending further down, the FGN Savings Bond offer attractive <\/span>return on investment.<\/span><\/p>\n

What Is the Minimum Amount I can Invest<\/strong><\/span><\/p>\n

Minimum subscription to the savings bond is N5,000 and in multiple <\/span>of N1,000 subsequently while maximum you can invest is N50 million.<\/span><\/p>\n

Benefits of Investing in FGN Savings Bond<\/strong><\/span><\/p>\n

You get all the benefits derivable from investing in bonds.\u00a0 When you invest in a <\/span>bond, you earn a stream of income in the form of interest payments that are paid periodically until maturity. \u00a0The interest you receive is not taxable, meaning more income to you and you can use your investment as collateral to take loans from commercial banks.\u00a0 Bonds are also liquid because a strong secondary market exists where you can trade your investment if you do not wish to hold to maturity.\u00a0<\/span><\/p>\n

With the FGN Savings Bond <\/span>you have a better alternative to your regular savings account because the FGN Savings Bond pays you better interest than you can get from the commercial banks and the interests are paid quarterly<\/span>.\u00a0 <\/span><\/p>\n

You can use the FGN bond to save and plan towards important projects such as marriage, retirement, rent, school fees and <\/span>house projects.<\/span><\/p>\n

Like the sovereign Bond, the FGN Savings Bond is safe and virtually risk-free as it is backed by the full faith and credit of the Federal Government of Nigeria.\u00a0 It also provides a window for the ordinary Nigerian to start saving and investing money in order to become financially free.<\/span><\/p>\n

As the minimum investment in Treasury Bill have <\/span>been increased significantly, FGN Bond becomes the most viable alternative to retail investors who are desirous of making money with fixed income investment. \u00a0If you take the decision to now to start investing specific\u00a0<\/span> amount in the FGN Savings Bond every month, you would be amazed at the amount of wealth you are able to build in a year\u2019s time.<\/span><\/p>\n

How to Invest In the FGN Savings Bond<\/strong><\/span><\/p>\n

The first step towards investing in the FGN Savings Bond is to open a CSCS Account<\/a> through your stockbroker.\u00a0 If you already have an account for your equities investment you need not open another one for in one CSCS account, both your equities and bond can be cleared.<\/span><\/p>\n

The Debt Management Office (DMO) which issues the FGN Savings Bond on behalf of the Federal Government accredits stock brokers <\/span>to participate as distribution agents in the monthly auctions.\u00a0 You can get a list of DMO accredited stock brokers<\/a> from its website and decide on the one to deal with.\u00a0 DMO updates the list as more stock broking <\/span> firms are enlisted.\u00a0<\/span><\/p>\n

In choosing a stock broker<\/a>, it is pertinent you ask if the firm is approved by DMO as distribution agent for the FGN Savings Bond if you to desire to invest in bond<\/span>.<\/span><\/p>\n

You will go through the normal account opening process, supplying relevant KYC data and your bank details.\u00a0 The broker will guide you on what is on offer and when.\u00a0 Give your instruction, make fund your account and have your broker purchase the bond for you.<\/span><\/p>\n

You can also sell whenever you want if you do not wish to hold the bond to maturity.\u00a0 Your broker will take your instruction and sell on the Nigerian Stock Exchange which is the secondary market for the FGN Savings Bonds.\u00a0<\/span><\/p>\n

It is important to note that when you sell your bond before maturity on the secondary market you may not get the full face value because of the effect of fluctuating interest rate.\u00a0 When interest <\/span> rate is high, <\/span>bond price gets low and vice versa.\u00a0 Therefore, what you will realize when you sell your bond before maturity will largely depend on the prevailing interest rate.<\/span><\/p>\n

Last Words<\/strong><\/span><\/p>\n

The Federal Government saving bond is designed to create\u00a0 a win-win <\/span>situation for the government and the ordinary Nigerian.\u00a0 With this bond, the government is able to mobilize fund from a diverse segment of the society to be able to fund deficits in budgets and build infrastructure while at the same time provide a viable option for the ordinary Nigerian to not only participate in funding government projects but also using it as window to save, invest and create personal wealth.<\/span><\/p>\n

So if you are earning the minimum wage and are desirous of building wealth for yourself and children even with that minimum wage, or you are one who is desirous of saving, growing your income <\/span> and diversifying your investment portfolio, why not consider the FGN Savings Bond.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Reading Time: <\/span> 5<\/span> minutes<\/span><\/span>If you are considering an alternative way of saving to earn higher returns than what you will normally get from your regular savings account with your bank, then the FGN Savings Bond may just be what you need.\u00a0 In case,…<\/p>\n","protected":false},"author":1,"featured_media":916,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[5],"tags":[67],"class_list":["post-528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-bond"],"a3_pvc":{"activated":true,"total_views":1209,"today_views":0},"yoast_head":"\nFGN Savings Bond: Another Alternative Way to Save - 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He provides strategic advisory to help SME's, small business owners and HNI's grow profitable business and make informed investing decisions.","url":"https:\/\/kobotalk.com\/BLOG\/author\/kobo20\/"}]}},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2018\/07\/savings-bond.jpg?fit=942%2C628&ssl=1","jetpack-related-posts":[{"id":2752,"url":"https:\/\/kobotalk.com\/BLOG\/fgn-bonds\/","url_meta":{"origin":528,"position":0},"title":"FGN Bonds: What They Are And How you Can Invest In Them","author":"Buchi","date":"October 31, 2020","format":false,"excerpt":"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\u2026","rel":"","context":"In "Investing"","block_context":{"text":"Investing","link":"https:\/\/kobotalk.com\/BLOG\/category\/investing\/"},"img":{"alt_text":"FGN Bonds","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/12\/investment.jpg?fit=1024%2C512&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\/investment.jpg?fit=1024%2C512&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\/investment.jpg?fit=1024%2C512&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\/investment.jpg?fit=1024%2C512&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":1046,"url":"https:\/\/kobotalk.com\/BLOG\/invest-in-nigeria\/","url_meta":{"origin":528,"position":1},"title":"6 Smart Ways to Invest In Nigeria With A Small Amount of Money","author":"Buchi","date":"May 14, 2019","format":false,"excerpt":"What are the ways to invest in Nigeria with a small amount of money?\u00a0 \u00a0 Is it possible to invest in Nigeria with small money? 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":4353,"url":"https:\/\/kobotalk.com\/BLOG\/5-investment-you-can-make-with-5000-naira-in-nigeria\/","url_meta":{"origin":528,"position":2},"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. But 5,000 Naira can get you started if you are serious about investing. 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":528,"position":3},"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":224,"url":"https:\/\/kobotalk.com\/BLOG\/best-investment-options-in-nigeria\/","url_meta":{"origin":528,"position":4},"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":2405,"url":"https:\/\/kobotalk.com\/BLOG\/guide-to-investing\/","url_meta":{"origin":528,"position":5},"title":"A Guide to Investing: An Ultimate Read for the Beginner","author":"Buchi","date":"July 18, 2020","format":false,"excerpt":"If you are reading this article,\u00a0 it's most likely that you want to start investing.\u00a0 That's a great decision to make.\u00a0 Your challenge probably is you don't know how to start; right?\u00a0 In this Ultimate Beginner\u2019s Guide to Investing, you'll learn how to. Before we get into it,\u00a0 a few\u2026","rel":"","context":"In "Investing"","block_context":{"text":"Investing","link":"https:\/\/kobotalk.com\/BLOG\/category\/investing\/"},"img":{"alt_text":"Guide to Investing","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/07\/Guide-to-Investing.png?fit=1200%2C685&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\/07\/Guide-to-Investing.png?fit=1200%2C685&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\/07\/Guide-to-Investing.png?fit=1200%2C685&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\/07\/Guide-to-Investing.png?fit=1200%2C685&ssl=1&resize=700%2C400 2x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/07\/Guide-to-Investing.png?fit=1200%2C685&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/p96205-8w","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/528","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=528"}],"version-history":[{"count":0,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/528\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/media\/916"}],"wp:attachment":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/media?parent=528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/categories?post=528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/tags?post=528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}