Treasury Bills Lab
Understand why t-bill safety has two components: (1) sovereign backing — the federal government's obligation, considered very low risk, (2) short duration (91-364 days) — limits exposure to interest rate changes.
5
Lessons in this module
What T-bills are
Understand why t-bill safety has two components: (1) sovereign backing — the federal government's obligation, considered very low risk, (2) short duration (91-364 days) — limits exposure to interest rate changes.
CBN T-bill auctions
Understand why retail access to T-bills is through licensed intermediaries: commercial banks, discount houses, or stockbrokers.
Tenors: 91, 182, 364 days
Understand why the yield curve: longer maturity = higher yield (typically).
Current T-bill rates
Understand why the MPR is the anchor for Nigerian interest rates.
Teens investing in T-bills
Understand why experiential learning with real money (even small amounts) builds a qualitatively different understanding than classroom study.
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