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Financial Planning

1

How Will You Invest N1m

Posted on May 27, 2019 by kalu Aja

This question is really asking how you would allocate N1 million amongst different asset classes. But before we consider that, let us start from the basics. What are asset classes? Asset classes are securities that exhibit the same characteristics. For instance, Fixed… Continue Reading →

Financial Planning
1

Yes, The Federal Government Borrows to Pay Salaries

Posted on November 7, 2018 by kalu Aja

Has the Federal Government borrowed funds since 2015 to pay salaries? Simple answer; Yes Kalu please show workings First of some disclosures, all data shared here are from the Federal Budget Office document titled 4th Quarter and Consolidated Budget Implementation… Continue Reading →

Financial Planning, Politics, The Economy Personal Cost, Salary
0

Is Cash The Problem?

Posted on August 14, 2018 by kalu Aja

The Nigerian Government has announced the take off of Trader Moni: a scheme that offers N10,000 collateral free loans to petty traders in the first instance & much more after repayment. First off all lets all agree this is a… Continue Reading →

Financial Planning
2

Valentine Day Is About Retail Not Love…

Posted on July 4, 2018 by kalu Aja

Who died and made Valentine Day about flowers and chocolate? Probably a smart advertising executive, I mean consider that Americans will spend $18.9b on Valentine Day shopping, according to the National Retail Federation consumer spending survey. Valentine is about retail,… Continue Reading →

Financial Planning
0

The FGN Has To Borrow, What Should You Do About It?

Posted on October 25, 2017 by kalu Aja

It will appear the Federal Government of Nigeria (FGN) is insolvent. Insolvency means “unable to pay obligations”. Let us review the six month report published by the FGN Budget Office. For the six months ended June 2017, the total retained… Continue Reading →

Entrepreneurs, Financial Planning, The Economy
0

of Sukuk Bonds

Posted on October 18, 2017 by kalu Aja

What are Sukuks? A Sukuk is as Bond…but it has a key difference. With traditional bonds, a borrower receives funds from investors in exchange for a document called a bond. The issuer of the bond, (the borrower)  has a contractual… Continue Reading →

Financial Planning, The Economy Bonds, Sukuk
3

The Problem With Mobile Banking is Banking

Posted on July 31, 2017 by kalu Aja

Zenith Bank is Nigeria’s largest bank by Tier 1 capital and 7th in Africa according to the  Bankers’ magazine ranking in 2016. My question is simple….how did First Bank allow “upstarts” like Zenith Bank, GT Bank and Access Bank get… Continue Reading →

Financial Planning, The Economy EFINA, Mobile Banking
0

The 2017 Budget Mess…..

Posted on May 7, 2017 by kalu Aja

  The 2016 budget expired this weekend of May 7th 2017, Nigeria is now without a Federal budget. A year ago, in May 6th 2016 to be specific, the Minister of Budget and National Planning, Udoma Udoma was speaking about… Continue Reading →

Financial Planning 2017 Budget
8

CBN Can Make N1 Exchange For $1…Then What?

Posted on March 23, 2017 by kalu Aja

1. Let us be clear, in economics…there is no free lunch 2. Central Bank of Nigeria (CBN) can make N1 to become $1 in three months….how? 3. They fund the Interbank market with $500m daily… $1 will be N1 by… Continue Reading →

Financial Planning, The Economy Exchange Rates
0

High Sovereign Interest Rates Disincentive Bank Lending

Posted on March 16, 2017 by kalu Aja

This is the economic effect of high “risk free” interest rates….. GT Bank is reportedly reduced its loan book, why? high default rates on loans. So how will the bank make money? it will invest in FGN sovereign instruments that… Continue Reading →

Financial Planning, The Economy

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  • How Will You Invest N1m

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