If you’re a Nigerian looking for a safe and rewarding place to invest your money, here’s some good news: the Federal Government of Nigeria (FGN) Savings Bond is back, and it’s offering interest rates as high as 14.565% per year.
Let’s break it down, so you can understand what this means and why it matters to you.
What is an FGN Savings Bond?
An FGN Savings Bond is a type of loan you give to the Nigerian government. In return, the government promises to pay you interest every three months and give you back your full money (called the “principal”) when the bond matures, for example, after 2 or 3 years.
The best part? It’s backed by the Federal Government of Nigeria, which means it’s one of the safest investments you can make in the country.
What’s on offer in November 2025?
The Debt Management Office (DMO), the government agency that manages Nigeria’s borrowing, has opened a new subscription window for the FGN Savings Bond. Here’s what’s available:
2-Year Bond
Matures on: November 12, 2027
Annual interest rate: 13.565%
3-Year Bond
Matures on: November 12, 2028
Annual interest rate: 14.565%
That means if you invest ₦100,000 in the 3-year bond, you’ll earn about ₦14,565 in interest each year, paid in four equal parts every three months (so roughly ₦3,641 every quarter).
When Can You Apply?
You can subscribe (i.e., buy the bond) between Monday, November 3, 2025, and Friday, November 7, 2025.
If your application is successful, your investment will officially start on Wednesday, November 12, 2025, which is called the “settlement date.”
How Do You Get the Interest?
Interest is paid every three months, on these dates each year:
February 12, May 12, August 12, November 12
These payments will continue until your bond matures (after 2 or 3 years). On the maturity date, you also get back your original investment.
Who Can Buy These Bonds?
Any Nigerian adult can invest! You don’t need to be rich; the minimum investment is just ₦5,000, and you can buy in multiples of ₦1,000 up to a maximum of ₦50 million.
You’ll need to go through a registered stockbroker or bank to buy the bond. Many stockbrokers now make this easy through mobile apps or online platforms.
Why Should You Consider This Investment?
Safety: It’s guaranteed by the Federal Government, so your money is very secure.
Attractive Returns: With interest rates as high as 14.565%, it beats many savings accounts.
Regular Income: Quarterly interest payments mean you get cash every 3 months. It is great for small business owners, retirees, or anyone needing extra income.
Easy to Start: You can begin with as little as ₦5,000.
Final Thoughts
In a time when inflation is high and saving money feels less rewarding, the FGN Savings Bond offers a smart, low-risk way to grow your money. If you’ve been keeping cash in a regular bank account earning little or no interest, now is a great time to consider this government-backed opportunity.
Bravewood provides Nigerian professionals with low-risk, high-return investment products, licensed by the Central Bank of Nigeria.
