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The Personal Finance Explorer
Приєднався 12 січ 2017
Am just a young man with some interest in personal finance.
Join me as we learn about the financial instruments that exist in our financial system that we can use to earn some passive income.
-Treasury Bonds
-Treasury Bills
-Money market funds
-Shares
Reach me at:
ngugiakthepfenthusiast@gmail.com
Join me as we learn about the financial instruments that exist in our financial system that we can use to earn some passive income.
-Treasury Bonds
-Treasury Bills
-Money market funds
-Shares
Reach me at:
ngugiakthepfenthusiast@gmail.com
Investing in Treasury Bills#investing #money #trending #education #education#treasurybills #finance
Investing in Treasury Bills#investing #money #trending #education #education#treasurybills #finance
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😂 When paying off debts, it feels like being robbed off your money. Avoid debts💰
Kukopa rahisi kulipa matanha😂😂
Keep it up King👑
Thank you
January 2025 not July🥲
Confusion kidogo tu😂😂
Recently subscribed to this channel,,, looking forward to seeing this good contents. Kudos
Feel much welcome
Hello The Personal Finance Explorer , great content you got there. I think all this channel needs is a little push to get things moving. I can help with that. My info is on this very channel I'm using to comment.
Great lesson Mwalimu Andrew
Thank you.
😂 Ni Gathee ga tene 🏍
Ndiyo hiyo sasa
😂😂 talk to me direct, don't go through the corners
Mimi nataja taka tu😂😂
Zero Savings
Unasave asubuhi unatoka saa sita😂😂
Good comparison.However,you did not consider the time value of money factor.The bond with higher coupon ensures more money in your pocket earlier;If these are reinvested elsewhere,the gains can offset the deficit by the end of the 10 years.
Wow. Great idea..I didn't think about it from that angle..Thanks for the insight.
Thank you for this information. Good job! Kenya has a history of banks collapsing, so obviously, some people will be alarmed. But you've done great work to find out the details that will allay our fears - most of us, anyway. Kudos! 👏👍
Thank you for the support..I'm glad that my work is helpful..
That's it. 💯💯
Kabisa
🤫🤫 Don't shout😊
Nawakumbusha tu pole pole😂
Your content is okay. Please improve on your presentation, eloquence and be articulate.
Thank you for the feedback
😂😂😂 enyewe
Yes. It makes sense
Its interesting the cbk official page has pulled down the results of this issue.
Theys said it had some errors...They uploaded another today
What happens after u pay for bond in premium? What happens to the additional money that you had to incure?
You were just buying the bond at a higher price because of the current market condition and also you are paying for any accrualed intrest....So the extra amount you pay it ends at that...Your principal remains to the the amount that you bidded for which is a multiple of 50,000
Should i expect to be paid the extra amount at any point included in a coupon or at redemption?@@ngugiakthepfenthusiast
Which bank can not collapsing
No bank is Soo big to collapse. But the increase of the core capital is should not create unnecessary unrest.
Cooperative is one collapsing bank
Coop is a tier one bank which means it's Capital is stable so such a change is not expected to shake the bank.
Informative
Thank you
Is equity among the collapsing banks 🤣🤣
Equity is a tier 1 bank...Making a profit of 40B means they have the capacity to increase their core capital any day any time😂😂 Don't worry
Hello When was this bond offered originally
April 2024
@@ngugiakthepfenthusiast I got to learn it was March 2024. Now was the issue price 100 per share? 9 months later in December it’s going for 110 (clean price). For shares worth 100,000 is it worth to lose 10,000?
How is 10000 being lost in this scenario?
Am i a good student 😂?
A very good one👏👏👏👏
If the bond name starts with fx, it means it's not an infrastructure bond and is subject to withholding tax.
Correct
In case of Emergency, can i withdraw my money or i have to wait upto maturity?😢
You can sell the bond in the secondary market...but depending on the changes in the bond prices you might make a loss if you sell at at a lower price than you bought
I have understood that interest rates are paid twice per annum that is, February and August.Am i correct?
🤔Why shouldn't the government print money instead of borrowing 💰
This will just create some hyperinflation..money with no value..a lot of money chasing few goods
💯
😂Tuko sherehe na haitaki hasira🍻🥂🍾
Mwezi ya Sherehe Bado😂😂
💯
Correct
😂I was counting my health as my wealth. Poor me😢
It is still your wealth..but it's also good to work towards the other😂😂
😢 I think I'm too late, itabidi nianze kujipanga Jan next year😂. What do you think?
We can do better in 2025😂😂
😂Hii ni kitu ulikuwa unafaa kuniambia Jan. Sasa itabidi niite watu Kiongozi😢.
Vipi Mr. Andrew. I am one of your classmates from back then in high school and although I haven't listened to any of your previous videos before, I support what you're doing. That being said, allow me to make a suggestion. Could you show us where you're reading this information from, just like how one would do a presentation? I think it'd be easier for us to follow along. Thank you
Poa sana my class mate😂...Thank you for the compliment..I will ensure to display the data in my subsequent videos..Thank you
Do MMFs invest in T.bills alone? I mean, do they have other avenues where they invest the pool of funds the get from individual investors?
They do not investment in Treasury bills only...However they are limited to invest in short term investment only...with maturity of less than 1½Yrs
@ngugiakthepfenthusiast understood. Thank you
Is this really a good deal?
Given that the rates are in a downward trajectory with the current Treasury bills rates at 13-14percent...This is a good deal... especially the bond with a coupon of 16%
Insightful! Tajiri alitajirika zaidi kweli.
This is helpful. Thank you
ua-cam.com/video/K7IUdABv9CI/v-deo.html
💯
What about personal accident cover?
Will get into that in subsequent videos..just keep tuned😅😅
Great content 👍
Dirty price, clean price, bond redemption, intrest periods and everything else taught in here, I have understood.
Well Explained
🤔🤔🙄🙄🙄Video ended rather abruptly 😮
Was meant to be brief and to the point
@@ngugiakthepfenthusiast noted
Do you know why it's only open to competitive bidding? Does that disadvantage small investors? What yield should one indicate?
I believe there is just an error in the DhowCSD app or portal as a matter of fact the bid in non competitive as everything was determined during the recently closed bidding.
This is how inaweka bid
To place a bid just click the (i) apo Kwa yield you will get the yield value to put as 17.7279
@@ngugiakthepfenthusiast thanks for the demo! Appreciate it
@@ngugiakthepfenthusiast alright 👍🏾👍🏾
This episode even makes more sense when you compare saving ksh 4000 in a month from the interest we were calculating for a 3 month bond in the previous episode. Keep doing more.👏