The Financial Citizen

The Financial Citizen I am a passionate writer, a professional Accountant and a social thinker. I dissect and demystify financial and social issues.

The Federal Government of Nigeria Savings Bond(FGNSB) is a fixed income investment that guarantees a competitive intere...
11/06/2026

The Federal Government of Nigeria Savings Bond(FGNSB) is a fixed income investment that guarantees a competitive interest rate compared to the regular savings account.

If you desire a risk-free investment with zero worries the FGNSB is for you. You can invest as low as N5,000. The interest income earned from the security are tax exempt(Tax free) and interest are paid on quartely basis.

So, if you invest consecutively in the bond in the month of JUNE, JULY and AUGUST for three years respectively you are sure to receive interest payment monthly from the month of August for the next three years.

Let us keep learning, working and growing...

If you want guidance on how to invest in the FEDERAL GOVERNMENT SAVINGS BOND, kindly comment 'INTERESTED' in the comment section.

Information and opportunity have and will always be the defining factors why there is a yawning gap between the 'rich an...
10/06/2026



Information and opportunity have and will always be the defining factors why there is a yawning gap between the 'rich and poor'.

I have been thinking recently about creating a cashflow system where my money will work for me while i sleep. A couple of existing ideas occurred to me and i thought to share. People have been 'cashing out' on this but i believe there are still others who need this awareness.

There are basically two reasons why people in shares viz 'Capital appreciation and dividend income'. You can create an investment portfolio containing stocks of companies that pays dividend yearly and across different times of the year such that you are sure of receiving dividends on a monthly basis.

The beautiful thing is you don't need to have a huge amount of money to invest all at once, you can keep increasing the amount (Units) of shares you have overtime.

Below are some of the dividend giants in Nigeria

MTN Nigeria

Dangote Cement

Zenith Bank

GTCO.

I am going to publish a post on companies that pays dividend and the time of the year in which they do and other basic knowledge you need to have so you can effectively trade on the stock exchange.

Let us keep learning, working and Growing Financially.

20/04/2026

WHILE YOU ARE COMPLAINING ABOUT THE NIGERIAN ECONOMY, SOMEONE IS QUIETLY BUYING THE BEST COMPANY ST0CKS

Nigeria is hard… but the stock market doesn’t care about your excuses.

The rich don’t just earn money, they own companies.

If you are a Nigerian but don’t own Nigerian stocks, you’re missing something.

Here are 10 solid reasons

(Details in comment)

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⚠️ DISCLAIMER: This post is for educational purposes and not a Financial Advice.

Investing in Stocks/ETFs/REITs comes with some risks. Before you invest in stocks, consult your financial adviser.

All the stocks mentioned in this post are examples and for illustrations, NOT recommendations. If you invest in any of them, you do so at your OWN RISK.

19/04/2026


Some companies will start paying dividends soon. Key dates to look out for...👇

PAY YOURSELF FIRSTThree things determine how productive you will be financially- namely: Your HEALTH, your KNOWLEDGE and...
11/02/2026


PAY YOURSELF FIRST
Three things determine how productive you will be financially- namely: Your HEALTH, your KNOWLEDGE and your EXPERIENCE.
While the demand of life comes knocking on a daily basis, ensure to care for yourself, you cannot give from an empty cup.

I learnt about the concept of SOCIAL CAPITAL many years ago but knew little about how practically useful it can be in cr...
10/02/2026


I learnt about the concept of SOCIAL CAPITAL many years ago but knew little about how practically useful it can be in creating wealth.

It's been said that you will be the same 5 years from today except for the books you read and the people you meet.

Quality relationships can change your fortune in splits seconds. It can take you where hard work alone can't take you.

As you are investing financially, try to create valuable relationships by being a valuable person. .

09/02/2026

Wealth creation strategies the rich won't tell you.
Check the comment section 👇

09/02/2026


Are you getting prepared for Dangote Refinery IPO???😊
Let me know in the comment section

Please who knows how PALM OIL business works?When to buy products?When to sell?How to preserve?Any other useful informat...
05/02/2026

Please who knows how PALM OIL business works?

When to buy products?
When to sell?
How to preserve?
Any other useful information that can help a beginner thrive in the business?

Your input will be highly appreciated; someone will be waiting in the comment section👇

05/02/2026

A QUICK REMINDER!!!
Money obeys "discipline" not "emotions".
If you want to grow your finance, be determined to go hard.

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