[Ep- 13] Mutual Funds vs. Treasury Bills: How to Choose

[@ikennaudoye491]

Nice one , thank

[@JumokeFagite]

I always look forward to receiving your notification...it only gets better with every episode!

[@Tomiebalogun.]

Thanks a lot for the feedback!

[@Precious.Isitua]

Thanks Tommie. With treasury bills, one can enjoy a higher true yield because of the upfront payment of interest which can be re-invested.

[@Tomiebalogun.]

Well, you have a point there

[@ngozijoe2243]

But they don't pay the interest up front. They pay it at the end of the tenor and still take a very small percentage for processing it. Or is it just my bank?

[@Tomiebalogun.]

@@ngozijoe2243 They are supposed to pay the interest upfront. My bank pays the interest upfront, unless I specifically request for it to be paid at the end of the tenor

[@betinansi201]

@@ngozijoe2243 they are sold at a discounted price eg if you are investing 100,000 they may take 93000 only from your account and not the full 100,000 depending on the rates.At the end of the tenure they will refund the full 100,000.So yes you do get it upfront. Check again .

[@ebukareuben5785]

Awesome look...with wonderful explanation,thanks Tomie for this.

[@Tomiebalogun.]

You''re welcome!

[@calebayibotele9040]

Thank you Tomi. Im very ignorant about these things. I have gain so much knowledge. Thanks

[@bomsfavourchimchezulem6698]

Thank you so much for this information

[@Tomiebalogun.]

Glad it was helpful!

[@betinansi201]

Thanks you have just earned yourself a new Subscriber.

[@thecliniconlinetv5396]

Tomie, You are doing a great job. Simplified for the investment-lay men😂😂😂 Thanks so much

[@HesedCreations]

Thank you Tomie. Awesome content and very relevant information for investors.

[@kehindeotuyemi5450]

Thank you Tommie...ive found this helpful

[@Tomiebalogun.]

You're so welcome!

[@mibikolapo7483]

Thank you Tomie! You're so inspiring.

[@Tomiebalogun.]

Aww...Thank you!

[@fadeke_]

As someone that has done both, I don't agree completely lol. because it actually looks like you prefer mutual funds. Many mutual funds rarely give interest over the prevailing govt bond. The only part I love about Mutual fund is the liquidity. You can ask for your money within a week unlike treasury bills because they already gave you the interest, you cant just collect your money back.

[@Tomiebalogun.]

Lol..it is interesting you say that. I tried to be as objective as possible. My focus was to get those who cant afford to invest in Treasury bills or bonds directly, because of the minimum investment required, to think differently and see options with mutual funds..and you can actually liquidate a treasury bill before the tenor is complete. I think it depends on the institution because I do it..Lol

[@changinglifenarrative]

Very instructive, thank you.

[@marycynthiandukauba6162]

Can you make a video on how to plan for investment in 2022

[@chukwumaj.eziashi7120]

Thank you Tomie.

[@Tomiebalogun.]

You're always welcome

[@fitinwell]

I just watched this video after considering mutual fund,.., and carefully observing if its really won't it .., though

[@spane5mixline]

Play at speed 1.5 to enjoy the video

[@Tomiebalogun.]

Lol

[@rejoiceewodage]

Thank you! This was Very helpful

[@Tomiebalogun.]

You're so welcome!

[@oladeleolaleye3027]

Thanks for the insight, but you didn't talk about the Risk factor of both investments. which is the first thing potential investors should consider.

[@Tomiebalogun.]

You're welcome. I have episodes on my channel where I speak about each option in more detail on my channel. I share the risk factors of both options in those episodes.

[@madubuikeijeoma2390]

I am new here...what banks offer the opportunity for mutual funds and treasure bills?

[@emekaonwuka5906]

For a high initial capital like .5m, which will you suggest?

[@Tomiebalogun.]

Hello. That’s a great question. It depends on your goals and what the current ROI on each option is. The best thing to do is to reach out to your financial provider to ask for the current rates on each option and compare which works best for you. I hope this helps.

[@rsiinvestor450]

I want to invest in liquid mutual funds

[@leticiabrewu3633]

Please does fixed income fund has an interest rate?

[@lordwelb4161]

Will you be able to negotiate the returns when you have 1 million gh cedis in treasure Bill?

[@femisamuel1728]

Can you please comment on cbn’s open market operation that was recently declared...

[@cally-grouptv8982]

What of risk

[@rsiinvestor450]

Hi

[@chapelofchristthehealeruith]

It pretty sounds like you have a bias towards mutual funds

[@Tomiebalogun.]

Lol..really? I dont think so

[@fadeke_]

lol true.

[@dorcasomunagbe1978]

Hey Tomi, So from watching your video, I am thinking of doing both. Like I have to app options for Treasury Bills and Mutual Funds. Is there any problem with doing that? Anything to note?

[@Tomiebalogun.]

Hey Dorcas. No, There's no problem if you choose to invest in both options. It is perfectly ok to have both options in your investment portfolio

[@xEl_ence]

What Bank charges 2k?

[@spane5mixline]

U said "alright" 92 times in this video

[@Tomiebalogun.]

Hahahaha...that has to be a record!

[@femisamuel1728]

Hello Tomie. Can comme

[@nathantomone8989]

hi tomie i need to email you can i get your email

[@Tomiebalogun.]

Sure. [e-mail]