HOW TO CALCULATE TREASURY BOND COUPONS | INVESTING IN INFRASTRUCTURE BONDS IN KENYA | CBK DHOWCSD
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- Опубликовано: 28 авг 2024
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Sub Count: 14K
If you want a copy of the spreadsheet I used in this video, use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Hi Agatha, Thank you so much for what you do. You explain so well and I'm new to all this and I'm learning so well.
If I may, is the spreadsheet only for that bond or have you formulated it in a way that I can use it for any other bond ?
Considered opinion on the taxes here...
If they go ahead with the implementation, just hopeful that they do the 15% on the foreign investors. This might actually work out much better for locals. When you consider that IFBs attract a lot of foreign investors, those who do not scatter will now bid at a higher rate to compensate for taxes. This uplifts rates for everyone, including the locals, who only have to pay a fraction of the taxes. This achieves 2 goals, incentivizing more locals to invest while basing more of the debt in KSHs, a win for the country in all directions by keeping all benefits local.
Thanks, @WealthTribe, for raising this. The 2024 Finance bill is a proposal; obviously, as investors, we would not be happy with this planned 5% WHT. The question is, where do we submit our objection to this idea? And second, will they listen and drop that idea?
On the streets,we we all out on Tuesday.
I didn't see you
the type of information that i should have received many years ago but thank God it is here now. Thank you Agatha.God bless you abundantly.
You are so welcome! 🙏
She has a sweet voice Just like my highschool English Teacher. More likes for her amazing voice🤟
😂
Thank you for educating us on financial issues and also for not gate keeping... Keep it up
Welcome 🤗
very well done video👏👏👏👏👏👏
Thank you very much!
I noticed a huge discrepancy in the interest rate calculated on the recent IFB 6.5 yrs coupon. But CBK corrected it. Check your bank account first for the correction before calling CBK.
Thank you very much,am learning here ❤️
Wonderful!
Very good and important education. Thanks
Most welcome!
For the BigWig Client who invested 5m, would you recommend that they bid competitively or non-competitively, asking for a friend😄
Non-competitive
Hi Agatha,nice to have...i love listening to your teaching!it helps me sana.Thanks. kindly talk about these tap sale and reopend bonds.i see them but never understand how to buy them coz kama ya may(normal bond)had some amounts (figures).siku elewa
Will upload soon
thank you for good work. kindly share the excel
SentUse this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Awesome ❤
Thank you! Cheers!
in this example you used simple interest method to calculate the accumulations, which investments use the compounded interest method? Thanks for educating us🙏
Money Market Funds. Here is a video guide 👉🏽bruclips.net/video/Ml_tT5wTQFw/видео.html
Hi, Agatha, This video on Infrastructure Bond was super informative, Would you mind to do one on normal T-Bills and Bonds with the 15% Wth Tax and let's see how much the interest is because the IFB doesn't come very often. If it'll be possible and Okay with you, Kindly do the 91Days, 181Days and the 365Days. 2. I have this question I don't know if you'll be able to answer. On the 91Days T-Bills do they also pay twice the same way they pay semiannually of the 365Days Bill and after 3Months on the 181 Days T-Bill?
Quite educative, thanks.
Glad you think so!
Thanks for this vital info, kindly share the spread sheet. Thank you,
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Thank you for sharing this information. Please share spreadsheet link. Thanks
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Hi Agatha. I heard CBK talk about M-Akiba. Enlighten us more
I will create a video about it ASAP!!!
Could you please address how to offload/ sell bonds?
I will
Waiting ✋️
Hello Agatha.Thankyou for this video. Just a question. With the 5%with holding tax.If it does come to pass will the tax with be applied to the interest we receive after every 6 months and does it apply to every interest paid?Thankyou.Awaiting your response.
Yes, it'll apply to every interest. For example, for this bond, If someone invested KES 100, 000, their interest would be KES 18,460.70. The tax would be 5% of the KES 18,460.70
@@TheWealthTribe Thankyou!!!
Am learning this investment option step by step, thank you
I take these educational videos very seriously. In the next 3 months I have different bills and bonds coupon payments happening every week. My plan is to use government securities as my retirement plan. So I am always reinvesting the interest to take advantage of compounding.
I always pray for the government so that it does not fail, lol, because they are my retirement plan. Of course I diversity with land and Sacco's.
The examples that you give in the video, if the 5M investor put back the interest paid every 6 months to another bond or T.Bills, then you have this snowballing effect and after the 8.5 years the gains would be huge.
EXACTLY! Also, congratulations for implementing the knowledge 👏 👏
@@TheWealthTribe Implementing the knowledge is the hardest part - one can watch a million financial videos, but unless they make the first step then all it is is entertainment - one can as well watch Keeping Up With The Kardashians lol.
How do you telll if its T-Bill or T-Bond?
I am abit confused by the maths. From the calculations for 1.8m, shouldn’t the 166,146.30 by 6 be over 996k apprx less the 10%?
Good job. Please share the worksheet.
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Can you top up or it’s fixed
DhowCSD how can one transfer from bank to cbk ? Any one have tried with equity app
what about those people who bought lets say 1,000,000 but through a broker which means their bond will still run to 8.5 years.
Kindly share excel sheet
How many accounts can you open
Viewer 100 ❤
Thanks!
Thanks
Welcome
Hello Agatha where did you get the information on how cbk treats the various amounts invested?is it on the cbk website or on the bond prospectus?
Bond Prospectus
Hey Agatha, I have a somewhat dumb question. Can you invest in two bonds at the same time? For instance, assuming you have 2mil, can you split this amount and buy 2 bonds worth 1mil each (this is probably for people who'd like to take advantage of the shorter 3 year redemption period.)
Yes you can!!!
How is the calculation treated if one invests in the 3rd year or after a redemption date?
You mean through a tap sale?
Hello Agatha, thank you for educating us on this. I didnt know about that second scenario. Where is it mentioned in the prospectus, I have tried to reread through and have not seen where if you invest between 1m and 1.25m kes this will be redeemed in full during the second redemption date?
It's not written outright but what I have shared is the interpretation 😃 That's how CBK does it.
Thanks for this, how can i get the bond calculator excel sheet?
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Do you have spread sheet of other bonds? Am in need some specific.
I don't have. Takes time to create them, I would need to charge for each.
kindly how can i purchase the excel for calculation on the coupen
Use this link to buy a copy 👉🏽 selar.co/qtb4gf
Hello Agatha ,, I tried joining vuka investment club ,that was on Thursday last week ..I paid the 299 fee needed and until now sijapata email from their side ..nime try kuwa call bt haiendi thru until now ..issue inaeza kua nini??
Contact them via email. It's true that vuka customer care is slow. They take long before responding to clients.
I would want to get this excel doc
Use this link to buy a copy 👉🏽 selar.co/qtb4gf
kindly i would like to have the excel sheet
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Hello, I would like to ask, is there a penalty if you bid for a bond but fail to make payment?
If you bid and fail to make payment a few times (3 or more), they'll ban you from investing for a while. I met a Wealthriber in Qatar whose CDS account was deactivated because he failed to pay 4 times 😁
Is my math wrong? Is it right that for 100000, 91 day bill the profit is about 3000?
Can I transfer money through equity bank app to central bank account or I must visit bank physically
at first you need a dhow cssd account... you can make a transfer from your bank to credit your central bank dhow account.let the bank teller know you are making a bond payment for that specific bond
@@popa282 ccsd I have but my question is one must visit bank physically
How much is excel sheet ? Share the link
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Need the exel sheet
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Interested in spreadsheet
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Can i have access to the excel sheet
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
i would want the pdf file
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
Please share the excel
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf
A 5% WHT is not a bad thing. It's better than the 15% WHT on T.Bills.
I wish our taxes were put into good use.
True!
infrastructure bonds should have a different name
Such as?
Haha not sure but if the bill passes and it's taxed calling it infrastructure bonds with the idea that it wasnt taxed before seems off. Minor issue though
Is nothing sacred for this administration 😒 😔
Right??
Thank you The Wealth Tribe for the good work.Kindly avail your mobile contacts.
Thank you
Send me an email at agatha@thewealthtribe.com
Kindly share excel sheet
Use this link to buy a copy 👉🏽👉🏽 selar.co/qtb4gf