How to Invest in Eurobonds in Nigeria

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Nigeria’s Eurobond remains one of the most profitable in the

investment world. Most Nigerian investors do not invest in this

instrument due to ignorance or lack of awareness of its profitability.

The Federal Government of Nigeria and many other corporate

organizations subscribe a lot to Eurobonds and issue it often. This

should make you see that there is something to this investment tool.

Many have taken advantage of this relatively high yield environment in

Nigeria and you can also be one of them. If you are not yet

participating in the Eurobonds in Nigeria and are wondering what

exactly Eurobonds are and how you can be a part of Eurobond

investments, you are in the right place. This article provides you

with information on all you need to know about Eurobond investments.









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How to Invest in Eurobonds in Nigeria







What are Eurobonds



Eurobonds are bonds that are denominated in another currency other

than that of the issuer. For example, when the Federal government

issues a Eurobond like that of the Nigeria Eurobonds and Diaspora bond

of 6.75% US$500 million January 2021. This is a bond issued by the

Federal Government of Nigeria in Nigeria but denominated in the United

States Dollars.







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Those who obtain this bond, buy them in dollars, also the interest and

principal repayment are conducted in US Dollars.



Please note that Eurobonds are not necessarily denominated in Euros as

the name implies as you can see from the FGN Eurobond mentioned above.

Bonds denominated in US dollars are also referred to as Eurobonds. In

some places, you will also find that bonds denominated in US Dollars

are referred to as Eurodollar bonds, while those denominated in

Japanese Yen are known as Euroyen bonds. However, the term

‘Eurobonds’ have come to be generally associated with bonds

denominated in currencies other than that of the issuer.



How to Invest in Eurobonds



The process of investing in Eurobonds in Nigeria does not differ from

that of investing in local bonds. Both, FGN bonds and also, FGN

Eurobonds can be bought both at the primary market at the initial

offer level or at the secondary market for an existing bond. All that

is needed is for the investor to complete the tender for Federal

Government of Nigeria Bonds’ form, submit the tender through any of

the authorised dealers and make the required payment when the bid is

successful.







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Eurobond secondary market buy



An investor can still participate in Eurobonds even if he or she did

not participate when the bonds (either government or corporates) was

originally issued in the primary market. Such a person can participate

in the secondary market through the Nigerian Stock

Exchange or OTC market



The OTC which means over-the-counter (OTC) market is a decentralized

market in which market participants trade stocks, commodities,

currencies or other investment instruments directly between two

parties and without the involvements or supervision of a central

exchange or broker. Over-the-counter markets are conducted

electronically and not via physical locations.



Government or Corporate Eurobonds



Eurobonds come as both government and corporate bonds. As an investor,

you can choose whether you want to buy government Eurobonds or Seplat

Eurobond (corporate). Corporate issued Eurobonds may offer higher

interest than government-issued Eurobonds. However, they also offer

higher risk. Just like local bonds Eurobonds also have different risks

characteristics, Different investors also have a different tolerance

level for risks as well as differing risk appetite. If you want to

start to invest in Eurobonds, ensure you weigh the risk

characteristics of the Eurobonds and set it against the interest rate,

to know if it is worth it. Most Eurobonds come with credit ratings,

which serve as a measure of their quality and risk profile. For

example, an AA rated bond is of higher quality than A-rated bond. An

AA rated bond means it has a low chance of default and therefore

offers more security and stability. An AA rated bond, therefore, pays

lower interest than an A-rated bond.



How to obtain an FG Eurobond



Usually, when bond issues open in primary markets, the relevant

document contains a list of the banks or brokers that have been

authorized to sell the bonds. In Nigeria, FGN issued bonds are

purchased via Primary Dealer Market Makers (PDMMs). These are banks

appointed by the Debt Management Office of Nigeria, (DMO), to act as

authorised dealers of FGN bonds. In order to know which of the banks

to invest in, consider the time of turnover of yield, responsiveness

to clients, their client service excellence, and so on. The banks or

brokers may differ in their commissions and other charges as well.







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After you have selected the broker or bank you want to use, complete

the required purchase order forms and instructions on what account to

debit for the purchase.



When all these have been done, wait, and get a confirmation from your

bank/broker that your purchase has been successful.



Investing in Corporate Eurobonds via Mutual funds.



There are various companies that offer you the opportunity of

investing in Eurobonds via mutual funds. For example:

FBN Nigeria Eurobond (USD) Fund



The FBN Nigeria Eurobond (USD) Fund provides investors with capital

appreciation by investing in Eurobonds issued by the Nigerian

government and other reputable corporate institutions. The FBN Nigeria

Eurobond (USD) Fund is Nigeria’s first US dollar-denominated mutual

fund which allows you to earn an income in dollars.



Benefits:The minimum amount you can invest is $2,500 (for individuals)

and $100,000 (institutions)

You earn higher interest rates than a normal US dollar domiciliary bank account



Stanbic IBTC Dollar Fund



This is an open-ended scheme that invests in US dollar-denominated

securities issued by the Securities and Exchange Commission registered

Nigerian entities such as corporate and sovereign Eurobonds and mutual

funds. The Fund allows investors to have a chance at

dollar-denominated securities which ordinarily would be inaccessible

to them because of the minimum amount required to make such

investments.







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Other corporate Eurobonds Mutual funds are:

United Capital Asset Management



ARM Eurobond Fund



Investnow.ng



Eurobonds are a great way of investing so one can achieve a higher

yield on investments. The major disadvantage of investing in Eurobonds

is with foreign exchange risk.

















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