Investing in treasury bills may not be a smart money move
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- Опубліковано 21 лип 2024
- Treasury bills is a popular way to get your money to work for you however, it may not always be a smart money move. STOP TREASURY BILLS! Jessica OS has some things for you to think about before you opt to start investing in treasury bills.
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Let's Appreciate Jessica ...
She works x amount of hours on TV & radio for 5 days among other weekly & weekend activities ... But she still manages time to record videos for us ... God bless you Jess ... You're a real Gem
Not easy but I'm really passionate about this
It's obvious! God bless!
This is why you diversify your wealth into different investment vehicles. Do T-bills, Do Mutual Funds, Keep Foreign Currencies, Trade crypto if need be.
What’s ur insta or LinkedIn
Ladies and Gentlemen, the Professor has not only taken her time to disseminate this vital information for building worth but has indeed shared her experience (s). It's our turn to take what we've heard, learned, do our only due diligence and decide which investment portfolio fit our financial goals and time horizon. Happy investing everyone and thank you Professor Jess
Hahaha. I'm no professor. Only sharing my few thoughts on the subject
You are right, I never thought about it that way. I always looked at the interest being so big. Thank you
Happy to help!
If I had known u had a youtube channel I would have subscribed long ago . I can't get enough of u hun
Thanks for the sub
Jessica, I love the thumbnail 😅. Hilarious and on point... crunching the numbers right there.
I just love you Jess. You are real and authentic and you deserve the best! Be blessed beyond measure!
Thank you so much
Jessica, thanks for the insightful information. However, I think there's another perspective to look at it. While it's definitely a great idea to hedge a portion of ones portfolio in USD, GBPs, ie forex, there's something to say for tbills when compounding interest comes in. Although the analysis and outcomes hold for a simple interest comparison, it doesn't really hold against a compounding interest even with the performance of our t-bills rate say for the last 10 years. Compound interest changes the dynamics. I'd love to discuss the numbers if it stirs up your interest.
I don't think this applies to someone who earns in dollars because even if you travel you need to change your money into local currency to do any transactions. & comparing to inflation someone as to think twice to put cash a side in a dollar account than investing somewhere.
Thank you very much for this information 😊. Really loved treasury bills but my mind is changed now. Wanted to know about other more lucrative investment opportunities, like mutual funds.
I just came across this video and it’s so helpful. I was going to change dollars to buy treasury bills a few months back but when I sat and did the math, I saw it was such a dumb move to make. I’m happy I didn’t buy Tb. I’m curious to know if there’s anyway to invest in dollars here in Ghana without changing it into cedis.
Wow,I'm glad i came by this video jess, I'm grateful for your help and we the youth are learning. I had this thought weeks ago to get a bill but didn't know how to go about it. Pls tell us more. God bless
Glad it was helpful!
Good one there. Very educative there. I must say thank you very much.that was very thoughtful.
You’ve made a good point. In America, we are more worrying about the economy in general when it comes to investing. When the economy is flourishing, the interest rate on return tends to be great... but when the economy is in recession, the interest rate on return is likely to be low. I would not mind buying treasury bills in a good economy at all.
Thanks for sharing Jessie, God bless you
smart advice from a smart mentor .. jess you the BEST
This is such a great video and kudos to you for putting it up. I think your calculation based on simple interest and investing for just a short term of just 91 days or six months will definitely result in a fall in face value of your initial capital in dollar terms. However there is the magic of compound interest (rolling over interest + capital for the next 91 day tenure), thus if you keep this same amount and roll over every 91 day for a period of say 4 to 7 years your results will be greater in both cedi and dollar terms. You can try that out. All in all to get the best out of every investment you must be in it for the long term. Thank you.
true! thanks for this
Yeah.. that's true
Healthy investment is to be in it for a while to earn much yield
@JessicaOS Good content but you failed to acknowledge the compounding interest part, which I still think makes the T-bill not a bad choice, especially when you have some big funds to lend to the goverment for some time enough. Remember the foreign exchange rate is also NEVER static.
Jess, I find your Channel very Insightful and impactful. Thanks for your in-depth research.
Thank you
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I'm so much engrossed in this financial advisory kinda thing. Jess please give us more stuffs on this. God bless 🥰😇
I'll do my best
Finally aunty Jessica gave us some interesting topic
Advice on Financial investment for free...Kudos Sister Jessie.
Again a wonderful and relevant program.well done.
Government paper is directly related to stability of the country it’s dollar and the rate of inflation.
The best investments are in land and new companies that expand the services in a country e.g. telecommunications and transportation.
Get in early and get out .
This is really good information. Your financial knowledge is on point
Wow this is so right👍
Thanks to you lady Jessica 😍💚
Hello from the US! That example calculation was extremely helpful. There are central banks in many countries that are purposefully devaluing their own currency against the dollar right now. All for the sake of keeping exports/imports competitive. There's a dollar shortage and central banks are low on foreign holdings aka US debt. Long story short, the dollar isn't dead by a long shot, it's just being bought on the cheap right now and that's about to change very soon.
I’m glad I came across your channel. This is the first video I’m watching. I just transferred money last week to invest in a T-Bill for a year. For me personally it is better than me opening an ISA in the U.K. as the interest rate isn’t great and hasn’t been for years. I have purchased a house in Ghana. My plan is to have multiple streams of income. When I’ve left money in my bank in my savings account in Ghana (Barclays or whatever their new name is) they chopped my money.
Lol. Chopped my money
Motivation from experience 😎😎..... Good myself.
The T-Bill was a good investment. I spoke to my broker last week who gave me some good advice.
Thank you Jess🥰God bless you
Thanks for sharing.
Anyway what’s the alternative, also which investments in Ghana have the best returns?
So currently, which bank in Ghana has the best exchange rate to create dollar account and save there?
Thank you.
Please u said something about the 14% being the rate per annum but used it for the 91days(I.e.3month) u questioned the rate in relation to been used for the 91days calculation but notin was done to the rate in calculating it….🙏please can you help me out am planning to invest in one buh want most of my doubts cleared
OMG this is soo helpful!!! Thanks soo much🤗🤗... could you kindly give us some more insight into the other options available...that you think are more profitable ? Thank you in advance ☺️
Hi!
Which other options of invest could one undertake aside the treasury bill?
I've learnt so much. thank you Jessi.😍
You're right..."May"
CU's it has really worked for me
You are so right dear.
Great insights. Thank you for this.
Thanks for this great piece buh I was expecting you to suggest so some dollar account and how to get while in Ghana here buh you just keep us hanging in the air😔
I'll be glad if you suggest the dollar account and how to get it.🙏
Interesting stuff.... thanks for insight... keep them coming... you got our ears...
Thanks, will do!
Thank you. Jess.
Awesome video. Thanks for sharing!💕
Jessica Os - good attempt at explaining this topic. However, why are you using the US Dollar?
Motivation from experience 😎😎..... Good myself.
Thank you Jessica
Please so do have any other option to the treasury bill in Ghana if that is not quite smart
Hi Jess , thank you,I'm hooked on this..
😅💃🏾💃🏾
Thanks for the video... Interesting point made. Could you please elaborate on the bonds you suggest?
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I appreciate you giving us this information🙏❤.
You're welcome
Thank you so much. This was very insightful
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Thank you very much Jess for your impressive analysis. I think I've got a theory from your analysis. This is it. If you want to benefit much from a treasury bill, let the exchange rates guide you. Hence when exchange rates are looking good over time there's much gain in treasury bills. And when exchange rates are high over time there's less gain in treasury bill.
But whatever you do you are better off buying a Tbill than locking your cash in a bank account.
And also Tbills bought for a year would be great (thus the interest involved) when exchange rates are looking good than the 91 and 182 days terms.
Great stuff.
Thank you so much for this
This is extremely practical!
thanks, Jessica awesome video. why put money into something that loses its value over time it doesn't make sense
I get your analysis but it is quite simplistic. The entry time and exit time with the dollar may or may not be beneficial but T'bill is risk-free and you are certain of the amount you will receive. If your appetite for risk is high then the dollar would be a good option, otherwise stick to T-Bill.
It's never true that t-bill is risk free. The only risk t-bill enjoys is default-free risk. Apart from that, it is susceptible to inflation risk, exchange rate risk etc etc
@@augustinedonkor6438 This is known by people who have learnt Finance. To the ordinary person on the street, risk-free means default risk. It is believed inflation and exchange rate risked are catered for in the rate they are provided.
What camera and mic are you using ?
May God bless you big sis
Jess great presentation though as for me way back I had made up my mind never to invest in Tbills because of such dynamics coupled with tax regime in our country 😀😀...
Fair enough!
This was insightful indeed. Thanks for sharing
You're most welcome
What's better is changing that money into dollars and buying global stable stock like Tesla and Apple, which mostly have one way to go: up. In the same period that Jess described, if you have bought a Tesla or Apple, both splitted into 4-1 and 5-1, the gains would have been massive. Just food for thoughts. We live in a global economy and your money do not need to work where you live but where it can grow
If only is safe and works for u 👍
Thank you for sharing 🌹
Can you make a video on how to invest in stocks in Ghana
Great explanation, thanks
Thank u Jessica
Great videO. Quite informative
Hi Jessica...thanks for the information...
Buh what of you doing the T.bill in a different country will it still depreciate or its still not the best option
Will all depend on the stability of the currency you use
Fri,Dec18,2020
21:00pm
I was here 🇬🇭
Hi gal. I love your videos..... you are amazingly good. what about Money Market Fund? and thank you.
Kindly post what you think will work for us especially people in their 20’s and also do leave your social media links in the description
thanks for the feedback. Will do just that
Champion jess there she goes again,really insightful, most grateful.
Can I come for more tutorials personally lol
Lol. You'll have to find me first
@@JessicaOS I know where to find you champion jess lol,powerland, etc
This is so insightful
Very helpful video👌🏾... thanks a lot ❤️
Thank you
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Yes, great analysis , most expatriates and importers do this a lot to survive but its what keeps holding the Cedi back , I guess it cant be helped will eventually join in once I have the means.
Hmmm
Brilliant Jessie
Hi Jessica. As always eloquent and thanks a lot for the information. I'm thinking of investing some money(not a lot) can you provide some examples of where I can invest? So far I use my bank and have a treasury bill. Thank you.
Reply if you get any response
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Hi Jess
What app are you using to track the cedi depreciation against the dollar?
It's called 'Currency'
@Jess Thanks for sharing you insights and thoughts on treasury bills.
As someone in the diaspora based in the UK and looking at diversifying my investment options along with investing in Ghana, is there an advantage on interest gains if profits are then used in local currency (Cedi) in Ghana ?
Do you invest in Treasury Bills ?
I currently don't have a treasury bill portfolio. My most recent investment was in the 182 day cocoa bill
How do I open dollar account in Ghana
My tbill interest rate decrease from 34% to 18.80% and I don't understand 😢
What about investing in money market funds?
Thank you
A smart investment lecture. Thanks dear for sharing.
My pleasure
@@JessicaOS Pls dear, can you educate us (me) about this property rental. Thanks
Please how do I save my money in a dollar account.. And also which investment is best to opt for..Am in need of dying help..🙏🏽🙏🏽🙏🏽
I'm in the same situation as you. Pls , we need a reply.
This is insightful ❤
I think the illustration is not balanced, you have only outlined the risks of investing in TBs, what about the benefits. When the currency of country depreciates, that affects the prices of goods and services because of imports, in the end inflation goes up. To make the TBs attractive - the central banks tend to match the inflation rate or above. So yes, in the short term which you should have said, TB’s attract exchange loses, in the long term they always win or very minimal loses.
Insightful...
My dear u soo gud,thank u.
But would forex just sell 100 USD to anyone.....?... thought they only sell above 100 or
What the name of the app you used to check the rate
Exchange rate
Wow! Yes I got some sense here, thank you.
What is the name of the app?
Nice handwriting 👌👌🤗
Which app???
Does that mean it will be advisable to open a dollar account rather? ...and if treasury bills are that risky ...will really appreciate if you can share which investment will be better. As usual...awesome content
I personally think in the short term it would be better
Its better than the savings part though
What is the name of the app
Great illustration 👍🏼👍🏼👍🏼
So Jessy converting your money to dollars will be the best move than even saving your money in cedis without the actually working?
Secondly,
How about keeping your money in the bank without investing or converting your cedis to dollar and creating a dollar account,which is better please and why ?
Point one, would be valid if the cedi continues to depreciate. Point 2. you lose purchasing power if the cedi continues to depreciate and yet just sits in your account. Conclusion, it's not smart at all to just keep your money in savings
Thanks alot 👏👏👏
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Also the Dollar rate you are using - whose rate? You are venturing into Currency trading and I don't think you can explain that in 10 minutes
Please which investment is the best, because I only know of Treasury Bill... Any suggestions
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Tbill is the best
Awesome. New subscriber. Thanks.
Thanks for the sub
Is the US dollar readily available on the open market in Ghana to invest in?
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@@francesperkins7719 stop spamming the comment section looking for business.
Ok dear Weldone and pls how can we make money fast with our money without working pls
So I want to know if I can get a treasury bills in dollars or euros here in Ghana? Thank you so much Jess this is an eye opener.
Treasury bills have to be in local currency
However a customer can purchase a dollar or euro bond - this is subject to the bank.
I love how open minded you are about investing, I read an article of investors that made good money within few months from shorting, so please I'd really love more tips and clues on how to outperform the market and make such profit using options
Hard assets are going up, the fed doesn't measure those because that would give it away. We have inflation.
you need a good level of skill set for shorting
Despite the COVID 19 pandemic the wise one sees it as an opportunity to make a lot of money in the market.
have you earned profit in the stock market?
True, shorting isn't for rookies but that doesn't mean they have to stay off it, I started as a rookie and in my first 5 months, I just followed the step of my consultant