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Allocate your investment across multiple Nigerian instruments. See blended yield, annual income, and 5-year projected growth.
Total Investment Amount
₦100.0K₦1.00B
Portfolio Presets
Allocations
100% / 100%
FGN Savings Bond (2yr)
14.72%0%100%
FGN Savings Bond (3yr)
15.72%0%100%
Treasury Bills (364d)
17.66%0%100%
Money Market Fund
22.09%0%100%
Fixed Deposit (GTBank 1yr)
16.00%0%100%
Dollar Fund (Risevest)
9.00%0%100%
Portfolio Summary
Total Invested
₦5.00M
Blended Yield
16.62%
Annual Income
₦831.0K
5-Year Value (reinvested)
₦10.79M
| Instrument | Alloc | Amount | Rate | Annual Income |
|---|---|---|---|---|
FGN Bond 2yr | 15% | ₦750.0K | 14.72% | ₦110.4K |
FGN Bond 3yr | 10% | ₦500.0K | 15.72% | ₦78.6K |
NTB 364d | 25% | ₦1.25M | 17.66% | ₦220.8K |
MMF | 30% | ₦1.50M | 22.09% | ₦331.4K |
Fixed Deposit | 0% | ₦0.00 | 16.00% | ₦0.00 |
Dollar Fund | 20% | ₦1.00M | 9.00% | ₦90.0K |
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Allocation Breakdown
Annual Income per Instrument
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Tax treatment and risk across this portfolio
Blended yields shown above are gross. Tax is instrument-specific — it is not a flat deduction across the whole portfolio — and the risk levels below describe credit (default) risk only. Every holding here also carries inflation, interest-rate, liquidity and reinvestment risk, and the Dollar Fund adds currency risk. See each instrument's calculator page for its full risk profile.
| Instrument | Tax treatment | Basis |
|---|---|---|
| FGN Savings Bond | Exempt — coupons paid in full | Interest on Federal Government bonds is exempt (Nigeria Tax Act 2025, s.163(1)(n)). |
| Nigerian Treasury Bills | 10% WHT on discount income | 10% WHT on interest from Treasury Bills and other short-term securities, deducted at source (FIRS public notice; Nigeria Tax Act 2025). The 2011 exemption order has expired. |
| Money Market Fund | 10% WHT on distributions | 10% WHT on interest/investment-income distributions, deducted at source by the fund manager. |
| Fixed Deposit | 10% WHT on interest | 10% WHT on bank deposit interest, deducted at source by the bank. |
| Instrument | Credit / default risk |
|---|---|
| FGN Savings Bond | Very low |
| Nigerian Treasury Bill | Very low |
| Bank Fixed Deposit | Low |
| Money Market Fund | Low |
| Dollar Fund | Moderate (currency risk dominates) |
These are CheckInvestNg’s own qualitative assessments for retail investors, not credit ratings from a rating agency and not personalised investment advice. Risk levels can change with market conditions.