I INVESTED IN Nigerian Treasury Bills So You Don't Have To | Flo Finance

[@basiluwandu9798]

Thank you, Flo, As a former stockbroker, l would advise any investor to delay your interest payment collection till the end of the T.B. tenor. If that is done, a 20% T.B. will yield the investor a 24.98% at the maturity. The extra % could pay for all charges and will have leftover. This is possible bcos.... 1.... Inerest is paid upfront.. 2......Investment is multiplies of N1,000. Or minimum of N1000. I did that to my clients then and they were so grateful..... a N1m investment will give you N1,249,800 .00 at maturity.

[@kweenzazy8685]

How can one delay interest payment collection when the interest is paid upfront? Please explain i really want to learn and understand

[@FloFinance]

Thanks Basil for always sharing your knowledge on this channel. For this one I invested in, the true yield is even 26%. I just needed to get some info for this video so i chose the discounted rate.

[@FloFinance]

Kween, you have two options when investing in TBills. You can choose to leave all the money there and collect your interest at the end of the tenor.

[@ozmattstechnologies534]

Thank you

[@ozmattstechnologies534]

​@kweenzazy8685 Just give an instruction to your broker. It's simple

[@redbunnyclassic]

You are a great example of Talk and Do! No bulaba 🤣 Thanks!

[@chumatez]

Flo , You Are the BEST BEST BEST, with your Video on FGN Savings Bond , i personally setup mine, though I was scared before that, because of our government policies that might change at any time, but the setup machine to be paying you every month is great , at least i got that idea from You. Thanks

[@maquindesign9158]

Buy land outside lagos away from city centers and u are safe.. Buy along major roads and build shops.. shops are matainance free.

[@ademolajayeola9846]

Joker!😂😂… buy land along the road? Make government corner the lands for road expansion… which advice come be this God? Even house and lands wey Dey inside city self for Lagos and some states, government Dey destroying them… wo baba rest!

[@TheGoodQ]

Great video. The problem is the astronomical inflation rate in Nigeria is constantly devaluing your money. It sucks sis.

[@shollz465]

@@TheGoodQ Are you spending your money in naira or dollars? This is the question you should ask yourself first. Every investment must have a solid goal behind it. If you want to spend your money in dollars probably in the US or pounds in UK then invest over their. Meanwhile, let me burst your bubble, Nigeria still has one of the best ROI on investments compare to most places in the world. You can fact check me. Compare the dividend return on stocks, bonds or Tbills in the US or UK with that of Nigeria, they are not up to the ROI in Nigeria even though they are in a stronger currency. Let's try to educate ourselves properly when it comes to finance or financial education in general and not only say things because others with ulterior motive or intention or due to lack of enough knowledge on that subject are saying it. Hope you find this helpful. Cheers!

[@oluok4470]

Flo, you are correct regarding the WHT (currently). The comparison is rather generalized though i.e. b/w TBs and FGN bonds. My opinion is that for larger players or more savvy investors, you can also reinvest your upfront TB interest - especially if you have 1 or 2 other streams of regular income. This may not apply to smaller players, like I said. That said, I like how you've simplified it for your audience. Well done!

[@FloFinance]

Correct! My videos are always simplified so everyone is carried along. 👍 Each video has one aim and one aim only. The aim of this one is to show that WHT is charged on TBills.

[@baratuaipriiyalla9004]

Thank you for this information. What I did was to invest in treasury bills at 20 percent and then collected the upfront interest and bought another tranch of TBs at 20 percent. This would bring the total interest to somewhere close to 20 percent even with the tax charge. In your example if you Reinvest the 180k upfront interest you could potentially get something close to 20k which when computed with your initial N1m would give you about 20 percent. When you have higher volumes say 50m you can Reinvest more than 2 times potentially increasing the returns even further while creating a ladder of returns that could be reaped according to the frequency of your repurchase. Alternatively, you could Reinvest upfront interest in stocks or bonds. What do you think about this strategy?

[@gracegracia4468]

You are only charged WHT if you invest in TBs using a company. TBs done with individual names are not charged WHT

[@abelgonsum9774]

My problem with T-bills is the rate is also below the rate of inflation. So u lose value over time.

[@FloFinance]

If TBills rate which is one of the highest in the land is too low for you, the only other alternative is to leave you money sitting idle at the bank. Is that one better for you?

[@abelgonsum9774]

​@@FloFinanceYou want me to create a blockbuster sequel, huh? "TBills Maturity 2: Electric Dollar Boogaloo" Coming soon to a screen near you! Starring: Your matured TBills and the dollar rate Synopsis: The thrilling tale of a treasury bill's journey to maturity, featuring twists, turns, and exchange rate reveals that will leave you on the edge of your seat! Don't miss the epic conclusion: "Will the dollar rate rise or fall? Can our hero's investment keep up with the pace?" Stay tuned for the premiere!

[@FloFinance]

@@abelgonsum9774 don't forget to feature a crystal ball too. Very very important in this speculation blockbuster. 😂🤣

[@WazirinJosnEnvirons]

Always informative! I exited t-bills to embark on a project in 2021.

[@demymichaels]

Hmmm! In this high inflation Nigerian environment, treasury bills will most likely give you the promised returns BUt the returns won’t beat inflation. It’s better than not investing at all but best If you have other investments outpacing inflation---my thought

[@michaelugabi4843]

Thanks for your transparency. This is the best time to invest in Nigeria o. Flo more good news is coming shine your eyes.

[@elviserhisowhode2422]

Good work... buying through bank or stock broker. which attract less charges? which do you recommend- bank or stock broker?

[@amcqq91]

In 2012 no tax for T-bill but rate was 12% but surprised of the tax withholding

[@theresabalogun4095]

The tax clause is even on the TBills forms of some banks. But i don't think the amount is so significant compared to the present rate of 23% for 364 days you will be getting. Also, when i consider the time value of money. Knowing i will be getting my interest upfront which can also be reinvested, Tbills is not a bad deal at all.

[@oluteejay8896]

Gosh! I love this woman. I need to ask you out. See intelligence oozing everywhere.

[@omowunmibanjo368]

Thank you so much, I’m a beginner tho and learning through your channel 🙏🏼 wish I found your channel before the boot camp class registration closed

[@FloFinance]

There will always be future ones. Watch out for the announcement.

[@SCh9912]

@@FloFinanceCasey on with the energy and smiling ‼️

[@chumatez]

Flo , You are the BEST BEST & BEST , with your Video on FGN Savings Bond, I personally setup mine, I was scared initially , because of our government policies that might change at any time. also I acknowledge your idea on the monthly payments Setup of FGN bond which pays the individual every month, that alone is a super idea on its own . Thanks

[@FloFinance]

Congratulations! This government sure instills fear in investors. You are a proper Agba Baller with that monthly earnings set up. 🙌

[@peaceokefeebah6279]

please ma is it true that fgn bonds pay monthly and how can i go about it?

[@FloFinance]

@@peaceokefeebah6279 they don't pay monthly by default. You need to set it up to start paying you monthly. Watch this video: kzbin.info/www/bejne/eZyzoaeiiKqqrbs for details.

[@peaceokefeebah6279]

thanks flo

[@peaceokefeebah6279]

@@FloFinance pls ma currently there is an app by inion bank called m36. for basiclly any financial instruments. just want to know if youve heard of it and would you recomend one to invest through apps or dorectly to the bank?

[@davidibiyemi1308]

Fantastic, thank you very much for this enlightenment

[@oluwoleolukole6448]

Thank you for your very educative video. God bless you

[@mosesokedare5943]

Can you make a vid of how treasure bills work?

[@okunlolaseun4148]

Purpose of tbill is to mop up excess fund in circulation while financing budget deficit by the govt. So why charge withholding tax?

[@MorganNanim-mb9mc]

For T-Bill when is the with holding tax charged. At the beginning or at the end of the investment tenor

[@jadelak4241]

Buy through Banks and get your value as is. No charges.

[@olabodesamson3186]

I did tb with 25m...i got 975k ...that 90 days mature ...zenith bank...they deduct vat and commission & custody fee...like 8k....it will be mature next month nd i will do it again...

[@HoopersTVv]

Can you elaborate more please.

[@andrewobaseki]

Hmm. I hope the guys at the bank are aware?? Because i checked my last purchase of TB just last month and I can't see where WHT was deducted. I use GTB btw.

[@abiolafaseyitan901]

@flo the reason you paid WHT was because you bought from the secondary market. If you bought from the primary market there is no withholding tax!

[@FloFinance]

This is the first time I am hearing that if you buy from the Primary Market you are exempt from WHT. It's the same for everyone because the WHT goes to the government not the secondary dealers. All the people telling me they did not pay WHT bought at the secondary market too, they bought at the banks. So ... 🤷‍♀️ If I bought at the primary market you say? Oya give me 50 Million Naira nowww. 😂

[@andrewobaseki]

Not true. I bought from the secondary market, and there was no WHT.

[@greghenry5270]

Last month, I received some money that I intend to use in a few months. So I decided to invest in treasury bills, rather than leaving it in my account. I was surprised when I got to the bank and they told me they charge a withholding tax. I couldn't believe it and thought the banker I met was giving me the wrong information. That's because I learnt on this channel years ago that there is no withholding tax on treasury bills. So I went to another bank to verify and the information was the same. If not that I know the credibility of the channel I follow and watch, I would have gotten angry. I just concluded that there were definitely some changes on the terms and conditions of treasury bills, which Flo Finance hasn't updated. I made enquiries at Fidelity, Zenith, First, and UBA banks, and I can categorically state that these banks charge 10% withholding tax on treasury bills. Thanks for this video Flo Finance, it clarifies a lot.

[@FloFinance]

I have only 3 videos about treasury bills on this channel. I MAY have said it was tax exempt in the video I made back in 2020 and yes, back then it was. The good thing is that you asked around before investing. Sadly, this tax-free wrong information is still being peddled around till this day. In fact I saw a "financial guru" with a large following saying earlier this year that TBills are tax exempt and the followers run with such information. This shows that they don't even invest in these things they talk about.

[@greghenry5270]

@@FloFinance Absolutely!

[@sundayyohanna909]

Which one don't charge for withholding tax ?

[@adavivianezenwoke9562]

I love your sincerity Flo🤗🤗🤗following you fully🎉

[@aikhuemelohenry9587]

What's the penalty for breaking your investment before the end of the tenor

[@agoiobunso]

Another interesting and informative video thank you so much

[@MaxSteph-wb4gf]

Federal government of Nigeria charges tax on Treasury bills and stockbrokers or banks charge you any transaction executed on your behalf . FG call it vat while stockbrokers and other assets management institutions call it vat + service charge. There's no truth among this present Nigeria government officials.

[@PATRACLASSICINTEGRATEDSERVICES]

Thanks ma'am for sharing this information, but Leadway Assurance does not charge withholding tax for your savings and investment.

[@maquindesign9158]

I love her channel. Nice one

[@sylvesteramas]

Absolutely, true talk,.

[@ozmattstechnologies534]

FGN Bonds remain the most tax-free option for assessing consistent government liquidity.

[@FloFinance]

The best!

[@israeldavidson4210]

I do Teasury bill with uba bank not a broker but am interested in FGN bonds but not educated enough

[@praiselawrence4390]

Everybody is just confusing me 😢😢 Which one is now good for us to invest in I am just confused

[@GRAggggggg]

HELLO 👋 Pls is it the interest being paid annually? Or until the date of maturity? 🙏

[@viktor17995]

Hello, does the withholding tax also apply on platform like Bamboo? Thank you.

[@chiomageorge6912]

Please how does treasury bills work?

[@GistwithOdy]

Flo, please could you recommend a stockbroker for me. I want to do TBills please.

[@graceokieimen8100]

Madam flo, then which one is better buying through bank or stock broker. I mean less charges

[@FloFinance]

You and I are waiting for those who invest in a better place to give us answers.

[@MaxSteph-wb4gf]

@@FloFinance From my experience , Banks ( depending on the bank ) have less net charges than stockbrokers .

[@FloFinance]

@MaxSteph-wb4gf but tax should be the same across board. Withholding tax goes to the government hence should not vary from entity to entity, no?

[@graceokieimen8100]

@@MaxSteph-wb4gf Thank you

[@temmytade]

God bless you my Sister, because you look genuine. Pls, I need your guidance, how will you help me?

[@emmanuelugwu6205]

I stay abroad and thinking of changing pounds to invest in Nigeria makes me anxious as I feel that a likely depreciation in our currency will wipe off any gains made. Please I will appreciate the views of everyone on the comment section.

[@FloFinance]

Don't do it. If you have this fear it means you are planning to repatriate your gains from Nigeria back to the UK. If you do that you will lose money especially in this Tinubu's floated Naira economy. Watch this video: kzbin.info/www/bejne/hqeahoiVa7SiZrc Invest where you live.

[@emmanuelugwu6205]

@@FloFinance Thanks Flo. The video was very insightful.

[@matthewyusuf4700]

Yes, investing in Nigeria if you can get a reliable business where you can be an angel investor with constant ROIs. You will be glad about it

[@oluwatobi2601]

Is FGN savings bound for august 2024 out?

[@adetayoonasanya1131]

At flo. Treasury bills doesn’t attracts interest.

[@MrAbeokuta]

Ma, I think your return on the Tbills investment is 184K/815K i.e. 22.5% ( your principal is effectively 815k). However FGN Savings Bond might have the advantage that you can lock in a good rate for a longer duration ( assuming Tbills rates drop to like 12% this time next year, for whatever reasons)

[@FloFinance]

Yes but that does not change the fact that WHT is paid on TBills, right? that's the aim of this video.

[@MrAbeokuta]

@@FloFinance Yes ma, you are correct. Thanks for the awareness, I used to think Tbills was better than commercial paper, assuming that there was no WHT.

[@Hebhinizha]

Good work madam flo. At what time interval is treasury bills out for subscription?

[@FloFinance]

2 weeks. I said it in the video.

[@lanreyoyo9053]

Good day. Kindly educate me on the details of the forthcoming boot camp. Thank you

[@FloFinance]

I will announce it here. Enable all notifications for this channel.

[@amakaigwe1001]

Thanks i really appreciate I want to invest which one is good and safe i need your guidance please for a beginner

[@collsenator101]

Pls can u explain more on FGN bonds?

[@nielbohr203]

Dem use your head o. Zenith bank do not charge wirholding tax. They inly charge processing fee. I did one last week and collected the certificate today. Not witholding tax.

[@FloFinance]

Mmh. What discount rate did they give you?

[@nielbohr203]

​@@FloFinancemy comments are deleted automatically, please provide a mail option let me share my certificate from Zenith

[@FloFinance]

Here: [e-mail]

[@nielbohr203]

I've sent it to your mail.

[@aitinsights]

Me, I have been deligently buying my fgn savings bond every month since april , i have now decide to continue into next year till december. No need for diversification , (except for fidelity shares) that fgn savings bond tax free earnings machine is only what you need. I thank God for the day i stumbled on that video because i no take eye look like anywhere near nigerian finiance system before.

[@FloFinance]

Agba baller! 🙌🙌🙌

[@prissyprisca9841]

Pls, which bank are you using for the FGN saving bonds

[@izumadubobiEffector]

@Flo. Thanks for all you do. Why not book this Tbills directly from your bank in Nigeria? Why go through a broker? Try that as well and compare the results. You need a broker for shares but I doubt if you need it for Treasury Bills. They will only need your instructions to debit your account for the TBills. Meanwhile, your broker will always charge you to make their own money.

[@FloFinance]

With whose money shall we try that? 😂 I am not trying again, I have achieved the aim of this video. I already have a broker, why should I go all the way to a bank to probably complete yet another paperwork? If banks don't list WHT on their investor's TBills statement, they must be offering less interest to those who invest through them. There are no two ways about it.

[@prissyprisca9841]

You are right Flo cos the bank gives you less interest and still charge service fee....Access bank does it.

[@Bigdaddychills]

Hello madam. I have a question, 1) what stock broker do you use. 2) I have a huge capital to invest and i have questions to ask, like tbills what is the safe investment to make now.

[@MorganNanim-mb9mc]

What percentage figure is witholding tax

[@amakalgbobuche2975]

Ma which bank do you recommend for treasury bills

[@freddyodilly]

I invested in the federal government treasury bill earlier this month of July through my bank. I was not charged any withholding tax

[@FloFinance]

Still you did not drop the name of the bank?

[@kdforextrader]

Please make a video on Treasury Bills vs FGN Bonds

[@FloFinance]

Already done: kzbin.info/www/bejne/n2jMg2t6irerg68

[@kdforextrader]

@@FloFinance oh okay, thank you. Please do you have a WhatsApp community for Nigerian Investors? Would love to join.

[@freddyodilly]

Buy through your bank and see the difference

[@FloFinance]

If my bank offers something different, will I be here asking you to say where you invested without paying WHT? Two comments you made here, you couldn't even answer a simple question. ahhhhhh!

[@mukoyiforextvchannel2259]

How can i invest in that ? Plz

[@CorporateSurvivalstv]

I am selling my gas shop to invest in FGN BOND.... ADVISE PLEASE??

[@ikepatrick9154]

How could you invest in Nigeria's T-bills? With Naira losing value huge, inflation at 36%(if you believe that)? There's no way you could win! It's a losing proposition right from the start!🤔

[@FloFinance]

So I should have used this 1 Miilion Naira to buy dollars at the rate of N1,500 today and you think you are a superior investor? Why do some of you think that whenever you quote inflation figures you are right? This argument is becoming tiring abeg. As long as you are starting off with the Naira, you are already done-for. Better not devalue it more buy passing it through exchange. The only thing that can change all these for Nigerians is GOOD GOVERNANCE.

[@ikepatrick9154]

@@FloFinance exactly! If you had bought dollar, you would have enjoyed at least a 60% return in six months! (Your #1,000,000 naira would be over #1,600;000 naira) Tax free and fee free!😅

[@FloFinance]

😂🤣😂 Ike abeg no make me laugh this Sunday morning. 60% in United States of Scam, innit?

[@feedadditivemonogastrics5792]

@@FloFinance thank you for your wise responses to@ikepatrick9154 .... that guy is one of those we want to 'denigerianised' .... just clear his type off our nation

[@ujunwokorobia8799]

Real waste of resources.

[@kweenzazy8685]

Flo, what formula is used for calculating t-bills interest? Is like it's different from how fgn bonds are calculated. 20.85% of 1,000,000 is 208,500 but why did they give you interest of 207,679.05 instead? 2ndly on the CBN site, t-bills for 365 days as at 24th July 2024 is 22.1%, why were you given 20.85%? Abeg make una explain give me cos I'm confused

[@FloFinance]

The interest of 20.85% is per annum that is 365 days. But this TBills is for 364 days. 😄 Why they don't make it 365 and rest, your sister does not know. The rate on CBN website is the rate at the Primary Market, for those investing 50 Million Naira. The dealers in the secondary market are reselling so you will see different rates. You can shop around for the best rates but I no get time for that. Even if I get a better rate after lot of emails making enquiries, it will only make a tiny difference with my tachiri 1Million so I just went with my SB.

[@larrys7929]

uba and zenith bank has no withholding tax.

[@FloFinance]

Ok thanks, I will contact my account officer on Monday.

[@Cy_Ebono]

They charge, they just call it differently. They commission + VAT on commission.. Then they charge transaction fee on Tbills. They all charge money. No bank in Nigeria will watch other banks charging and not charge. Everyone there is greedy, so any loophole to pull money out of someone, they take it.

[@amakalgbobuche2975]

Please between treasury bill and mutual fund, which is better please

[@FloFinance]

It depends on the returns on investment of the specific mutual fund. Different Mutual Funds pay different returns so you can't really put all of them in one basket like that when comparing to treasury bills.

[@africantruly8857]

I invested in FGN Bonds. I haven't received any interest payment yet. My first investment was in June?

[@shollz465]

FGN savings Bonds pays every three months hence, if you invest in June, your first ROI should be by Sept. Pls, let's try to always create adequate time to learn about any form of investments we are involved in. The internet is their for you to learn on a daily basis. Your comment just indicates that you are investing in what you do not have adequate knowledge about which is very bad. Hope you find this helpful. Cheers.

[@michaelugabi4843]

September maybe

[@abiolafaseyitan901]

FGN bonds are paid bi annually February and August

[@chuksogu2180]

Which commercial Bank is a Broker for FGN Bond ?

[@FloFinance]

You must go through a stcokbroker for FGN Savings Bonds. Banks don't handle it. Watch this video: kzbin.info/www/bejne/jHqcdX2iobKnl5I

[@henskyzelensky7755]

Flo, what's the name of your stock broker?

[@FloFinance]

Watch the video, the answer is in there.

[@ikennaudoye491]

how do I start fgn bond? how do I get a stock broker? which time August fgn bond is going to start

[@FloFinance]

Go to my channel, lots of videos to educate you on investing in FGN Savings Bond.

[@ikennaudoye491]

Ok ma

[@bigyome]

😂😂😂 Florence oo, they shd carry you along, lol they should tell you their financial institution that does not charge WHT.

[@julianaudu5158]

Please when is the next FGN BOND investment

[@FloFinance]

January. Click my name to go to my channel and see the FAQs post on my Community tab.

[@sholaemmanuel7660]

Hmmm, so they take 19.84% for 364 days, that's to much,

[@FloFinance]

Take or offer? Please watch the video again to know what they are taking and what they are paying the investor.

[@harryikiriko6161]

Please Flo, can you make a video on how to go about investing for people in diaspora. Please state all the different instruments and companies that can help.

[@FloFinance]

Nigerians in the diaspora can invest in every investment opportunity I make videos about. You just need to meet the prerequites which is having an active Naira bank account and having a valid ID issued by the Nigerian government. For instance, watch this video from start to finish: kzbin.info/www/bejne/sGWcg6mDYq9-pbM

[@blissogbuka7041]

Flo what's the minimum amount to invest in Tbills please

[@FloFinance]

Watch this video: kzbin.info/www/bejne/n2jMg2t6irerg68

[@victoriousking6899]

Confirm your broker???

[@LifewithAnuoluwapo]

I use Meristem and they collect withholding tax according to the information provided by Meristem 😂 They should collect from everyone. No partiality

[@MiriamTawo]

I’m beginner how can I reach you ma’am?

[@revjatto]

Yes, you pay withholding tax in 2024

[@emmanuelanason6063]

Nigeria economy is falling too fast and Naira loosing it's value, Tbills is not profitable

[@femitalabi]

Thanks for a good financial investment presentation, you have really enlightened me. As a professional engineer and a business man I didn’t have a clue about investment but with presentation I feel much better now. I may need your assistance,

[@sheriffsheriff6134]

Babe, mutual fund is better returns.

[@michaelugabi4843]

Hmmm another machine na be that o 19% +

[@FloFinance]

Mutual funds of 5%?

[@michaelugabi4843]

@@FloFinance No I mean the money market for stambic Ibtc.

[@abiolafaseyitan901]

Yes, stanbic are best for mutual funds about 19.7% at the moment

[@prissyprisca9841]

Are u serious...do they pay monthly?

[@luthermohandas5213]

Good Morning flo, I invested 21 million last three weeks on ZENITH BANK, I was paid an upfront of 4,183,000 or there about. The charges were Custodian fee and other small fees totalling about 27,000 naira or so. I never saw any where it was written withholding tax. Or will the withholding tax be charged later After one year?

[@luthermohandas5213]

4,173,000 naira not 4,183,000. That's a typographical error.

[@FloFinance]

From what I see, you must have invested with the June 26th auction rates which was 20.68% and from these numbers, you were paid 20%. If you do not see any WHT anywhere on the letter they sent to you confirming your investment, it means they did not charge you any. Usually, all charges are deducted prior to paying you interest. Unless by some weird process, Zenith deducts it at the end of the tenor. But on the same document where they gave details of this investment, you should see the amount you will receive at the end of the tenor. Thank you very much for this information. Finally someone that answered my question with details on top. Marching to my stockbroker's office! They have a question to answer.

[@adetayoonasanya1131]

Nice one. Pls state the rate at which the treasury bills was booked

[@trendingviews4086]

It is better to buy foreign currency than T-bill

[@FloFinance]

Buy dollars at today's exchange rate of N1,500? This same refrain no dey taya una? 😆 The people that bought dollars in March are still holding it ooo, no opportunity to sell yet. They have not made a dime on it. Meanwhile the people that have been investing in Naira denominated ones have made money over and over. You all should face the government to fix this country else no "investment" is safe. In quotes because I don't even consider buying dollars and keeping under your bed an investment.

[@trendingviews4086]

@FloFinance Dollars investment is about information. I bought when CBN injection 1.5 billion dollars in the economy to cushion dollars scarcity. It was trading at N1060 to a dollar. I am selling now at N 1600. I made N540 (51% return on each dollar) in less than four months. No stock will bring me such a return. Am currently waiting for CBN to inject dollars so that I can buy at a lower price.

[@FloFinance]

@@trendingviews4086 I'm glad you accepted that it is very bad advice to tell me to buy dollars today. At what price would I sell? And you bought back in March? April? Because that was when the CBN patched the Naira. How many months ago and you think you made money? If you depended on this to eat, hunger for don kpai you since then. 😭

[@trendingviews4086]

@FloFinance It's only land that you can buy and keep because it is expected to be appreciated in the future. Traders do not keep financial assets and shares because the value can erode within a short time. Changes in share price with a short period can yield more return than dividend.

[@annamariaskin8531]

Hey flo

[@greatoyovwikimo661]

If you have something to say, say it and stop getting side tracked. Makes your videos tiring.

[@FloFinance]

If my video tires you out so much it means you are not getting value, why don't you stop watching me now? Go to where they make videos according to your specifications.

[@AdamsLawal-u3u]

I'm a bigginer, how will i reach you ma.

[@adabaibe2009]

Please as a diaspora investor with this recent Government be very wary. It’s hard to do genuine business with a Government whose president is a crook especially when it’s with the Central bank or Shares/Treasury bills. See what he has done with lands and buildings in Lagos. Be very wary this Govt is just looking out to get money from any and everyone.

[@kevindwise1492]

Stop ur fears creative comment oga if u don't give us from as u claim diaspora ways to invest then don't come here I have be investing in NGX for more than 15 Year's these ur comment will only try to make people fear what has investing got to do with what u are saying now ? Do u know it more that this Aunty who has been investing for years ? With ur comment I know where u are from but anyway good work Big sister an this my yeye brother wey from diaspora as him claim dey wan tell people in Nigeria what to do ❤❤

[@ozmattstechnologies534]

There's also a positive outlook. Do your due diligence. That's all.

[@StarciFanchery]

How do I connect with you via WhatsApp???

[@olabodesamson3186]

I did tb with 25m...i got 975k ...that 90 days mature ...zenith bank...they deduct vat and commission & custody fee...like 8k....it will be mature next month nd i will do it again...