The Debt Management Office (DMO) just fired another shot in the battle for your wallet, and this one’s loaded with 17.173% interest.
Yes, you read that right.
For May 2025, Nigeria’s retail investors have access to government-backed bonds that are not only secure, but also high-yielding in a high-inflation economy.
The Offer: Two Bonds, Two Fat Yields
| Term | Rate | Maturity Date |
| 2-Year | 16.173% | May 14, 2027 |
| 3-Year | 17.173% | May 14, 2028 |
Offer Closes: May 9, 2025
Payouts: Quarterly (Feb, May, Aug, Nov)
Minimum Investment: Just ₦5,000 yes, it’s made for everyday Nigerians.
Safe. Predictable. Juicy. In a world of FX chaos and crypto scams, the FGN Savings Bond is the boring investment Nigeria actually needs.
Should You Jump In?
Why It’s a Win:
- Inflation Shield: With inflation hovering near 20%, this is one of the few legal ways to beat it without sleepless nights.
- Government-Backed: It’s backed by FGN. So unless Nigeria defaults, your capital (and coupons) are coming home.
- Passive Income: Quarterly interest = cash flow. Reinvent your monthly hustle with a bond that pays.
But Don’t Sleep on These:
- Liquidity is Meh: Yes, they’re listed on the NSE, but don’t expect instant resale at full price.
- Real Returns Depend on Inflation: If inflation spikes to 25%+, your “17%” starts looking less sexy.
- Opportunity Cost: There may be better yield elsewhere (e.g., OMO bills or T-bills on the secondary market).
How to Invest
- Walk into any DMO-accredited stockbroker
- Fill out a short subscription form
- Provide valid ID and pay up
- Sit back and wait for May 14 settlement, that’s when your bond starts earning
You don’t need millions start with ₦5,000.
The Safe Bet Nigeria Still Needs
In a market flooded with noise, meme coins, FX panic, and startup valuations on life support, this is the yield play no one’s talking about.
It won’t double your money overnight.
But it might just protect your future without drama, and that’s a flex in 2025.
