These 3 Questions Will Save You From Investment Heartbreak!
Remember CBEX? 😠Oh yes, nothing hurts more than working hard, saving money, then losing it to the wrong investment...
You know that sinking feeling when your money's due back and all you get are Italian stories?
Let's make sure that never happens to you again.
Before we dive in, here's what I know: most people focus on returns first. Big mistake. The real question isn't "how much will I make?" but "will I get my money back at all?"
That's what Beat The Odds is about! Giving you the framework to make smart financial decisions that actually protect and grow your wealth, not just chase shiny returns.
Secure your spot here before spots get filled up.
Here are the 3 questions I ask before putting money into any fixed income investment:
Question 1: Who Am I Lending This Money To?
When you invest in fixed income, you're essentially giving someone a loan. So the creditworthiness and capacity of who you're lending to is everything.
The spectrum looks like this:
Government (safest—they can print money)
Banks (your fixed deposits)
Blue chip companies
Medium-scale companies
Mom-and-pop shops
Loan sharks (highest risk)
Key insight: Government bonds in foreign currency carry more risk than local currency bonds. When the government borrows in dollars but earns in naira, that's a different conversation entirely.
Even that popular agric investment? You're lending money to an agric company. If storms wipe out crops, can they still pay you back? That's what matters.
Question 2: How Long Is My Money Locked Away?
This is where people mess up. They see a high yield and jump in, only to realize their money is locked for 7 years when they need it in 6 months.
The terminology:
Less than 1 year = Treasury bills (government) or Commercial paper (companies)
More than 1 year = Treasury bonds (government) or Corporate bonds (companies)
Ask yourself: Does this timeline work with my financial plans? Because you can't just change your mind halfway through.
Question 3: Is The Return Worth The Risk?
Notice this comes last, not first.
If the government offers 5% on Treasury bills and a blue chip company offers 7% on commercial paper, but a loan shark offers 6%—that makes no sense. Higher risk should mean higher returns.
Remember: If your capital doesn't come back, the return rate is meaningless.
The Bottom Line
Every fixed income investment should pass all three tests:
Can they pay me back?
Can I afford to be without this money for this long?
Does the return match the risk?
Still Overwhelmed by Investment Decisions?
Here's the truth: you can read about investing strategies all day, but without a clear system that fits your financial situation, you'll keep making emotional decisions that hurt your wealth.
You've worked hard for your money. You deserve better than Italian stories when it's time to collect.
Beat The Odds is happening next Saturday, June 28th, 2025. This isn't just theory—it's a practical system for making financial decisions that actually protect and grow your wealth.
Because the difference between those who build lasting wealth and those who don't isn't luck. It's having the right framework.
Here it yourself from a past attendee.
Few spots left! Join us on June 28th. Your money deserves better.
This Week's Nugget: The Psychology of Risk
Housel writes: "Risk is what's left over after you think you've thought of everything."
We often focus so much on the upside that we ignore what could go wrong. But the best investors aren't the ones who never face risks. They're the ones who only take risks they can afford to lose.
"The ability to do what you want, when you want, for as long as you want, has an infinite ROI."
Before your next investment, ask: What's the worst that could happen, and can I live with that outcome?
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Until next week,
Oler.