Yeah, that can happen and it’s normal. Your FGN bond hasn’t really lost value unless you sell it now. What you’re seeing (₦5000 to ₦3800) is just the current market price, which goes up and down mostly because interest rates have increased. If you hold it till maturity, you’ll still get your full ₦5Read more
Yeah, that can happen and it’s normal.
Your FGN bond hasn’t really lost value unless you sell it now. What you’re seeing (₦5000 to ₦3800) is just the current market price, which goes up and down mostly because interest rates have increased.
If you hold it till maturity, you’ll still get your full ₦5000 plus interest.
Investment simply means using your money or resources today so it can grow and give you more value in the future. In simple terms, instead of spending all your money immediately, you put part of it into something that can increase in value like stocks, bonds, a business, or even learning a skill. ARead more
Investment simply means using your money or resources today so it can grow and give you more value in the future.
In simple terms, instead of spending all your money immediately, you put part of it into something that can increase in value like stocks, bonds, a business, or even learning a skill.
A relatable way to explain it to teenagers is,
Investment is planting a seed today and allowing time to turn it into a tree that produces fruits later.
The key ideas are patience, consistency, and long-term thinking letting money work for you instead of always working for money.
People struggle financially even with steady income mostly because income alone doesn’t create stability money management does. Main reasons: Lifestyle increases as salary increases. No clear plan for how money should be shared (save, spend, invest). Too many fixed expenses and debts. No emergency sRead more
People struggle financially even with steady income mostly because income alone doesn’t create stability money management does.
Main reasons:
Lifestyle increases as salary increases.
No clear plan for how money should be shared (save, spend, invest).
Too many fixed expenses and debts.
No emergency savings, so small problems become big financial setbacks.
Social and family responsibilities eating into income.
Is it income or habits?
Usually planning and spending habits, not just income level. Some high earners still struggle because money has no structure.
You don’t start earning the coupon from the day you subscribed it starts from the bond’s issue date. Here’s how it works, FGN Savings Bonds are usually issued a few days after the offer closes (not on your subscription date). Coupon payments come every 3 months from the issue date, not from when youRead more
You don’t start earning the coupon from the day you subscribed it starts from the bond’s issue date.
Here’s how it works,
FGN Savings Bonds are usually issued a few days after the offer closes (not on your subscription date).
Coupon payments come every 3 months from the issue date, not from when you paid.
For your case
You subscribed January 13, 2026 (January offer).
The bond’s issue date was around late January 2026 (typically the 3rd business day after offer close).
So your payments follow this pattern,
1st coupon: around April 2026
2nd coupon: July 2026
3rd coupon: October 2026
4th coupon: January 2027
How to calculate it yourself
Find the Issue Date of that month’s FGN Savings Bond.
Add 3 months repeatedly.
Those dates are your coupon payment periods.
So you didn’t miss anything March was too early. Your first payment should come around April.
For short-term investments, ETFs (Exchange-Traded Funds) might be a better option than REITs (Real Estate Investment Trusts). Here's why, - Liquidity: ETFs are generally more liquid than REITs, making it easier to buy and sell quickly. - Volatility: ETFs tend to be less volatile than REITs, which caRead more
For short-term investments, ETFs (Exchange-Traded Funds) might be a better option than REITs (Real Estate Investment Trusts). Here’s why,
– Liquidity: ETFs are generally more liquid than REITs, making it easier to buy and sell quickly.
– Volatility: ETFs tend to be less volatile than REITs, which can be affected by changes in the real estate market.
– Diversification: ETFs often provide broader diversification, reducing risk.
Can Federal Government Bonds Lose Value Before Maturity in Nigeria Stock Market?
Yeah, that can happen and it’s normal. Your FGN bond hasn’t really lost value unless you sell it now. What you’re seeing (₦5000 to ₦3800) is just the current market price, which goes up and down mostly because interest rates have increased. If you hold it till maturity, you’ll still get your full ₦5Read more
Yeah, that can happen and it’s normal.
Your FGN bond hasn’t really lost value unless you sell it now. What you’re seeing (₦5000 to ₦3800) is just the current market price, which goes up and down mostly because interest rates have increased.
If you hold it till maturity, you’ll still get your full ₦5000 plus interest.
See lessHow Can I Explain Investment in Simple Terms to Teenagers?
Investment simply means using your money or resources today so it can grow and give you more value in the future. In simple terms, instead of spending all your money immediately, you put part of it into something that can increase in value like stocks, bonds, a business, or even learning a skill. ARead more
Investment simply means using your money or resources today so it can grow and give you more value in the future.
In simple terms, instead of spending all your money immediately, you put part of it into something that can increase in value like stocks, bonds, a business, or even learning a skill.
A relatable way to explain it to teenagers is,
Investment is planting a seed today and allowing time to turn it into a tree that produces fruits later.
The key ideas are patience, consistency, and long-term thinking letting money work for you instead of always working for money.
See lessWhy do people still struggle financially despite having a steady income?
People struggle financially even with steady income mostly because income alone doesn’t create stability money management does. Main reasons: Lifestyle increases as salary increases. No clear plan for how money should be shared (save, spend, invest). Too many fixed expenses and debts. No emergency sRead more
People struggle financially even with steady income mostly because income alone doesn’t create stability money management does.
Main reasons:
Lifestyle increases as salary increases.
No clear plan for how money should be shared (save, spend, invest).
Too many fixed expenses and debts.
No emergency savings, so small problems become big financial setbacks.
Social and family responsibilities eating into income.
Is it income or habits?
Usually planning and spending habits, not just income level. Some high earners still struggle because money has no structure.
Simple habits that help:
1: Save first immediately salary comes in.
2: Separate needs, savings, and wants.
3: Avoid upgrading lifestyle too quickly.
4: Build an emergency fund gradually.
5: Track where your money goes monthly.
See lessWhen Does FGN Savings Bond Start Paying Quarterly Coupons After Subscription?
You don’t start earning the coupon from the day you subscribed it starts from the bond’s issue date. Here’s how it works, FGN Savings Bonds are usually issued a few days after the offer closes (not on your subscription date). Coupon payments come every 3 months from the issue date, not from when youRead more
You don’t start earning the coupon from the day you subscribed it starts from the bond’s issue date.
Here’s how it works,
For your case
You subscribed January 13, 2026 (January offer).
The bond’s issue date was around late January 2026 (typically the 3rd business day after offer close).
So your payments follow this pattern,
How to calculate it yourself
So you didn’t miss anything March was too early. Your first payment should come around April.
See lessWhich Is Better for Short-Term Investment in Nigeria: REITs or ETFs?
For short-term investments, ETFs (Exchange-Traded Funds) might be a better option than REITs (Real Estate Investment Trusts). Here's why, - Liquidity: ETFs are generally more liquid than REITs, making it easier to buy and sell quickly. - Volatility: ETFs tend to be less volatile than REITs, which caRead more
For short-term investments, ETFs (Exchange-Traded Funds) might be a better option than REITs (Real Estate Investment Trusts). Here’s why,
– Liquidity: ETFs are generally more liquid than REITs, making it easier to buy and sell quickly.
– Volatility: ETFs tend to be less volatile than REITs, which can be affected by changes in the real estate market.
– Diversification: ETFs often provide broader diversification, reducing risk.
See less