How to Allocate ₦10M Safely: T-Bills vs Money Market Funds vs Bonds

If you want low risk and steady income, focus on capital safety rather than chasing the highest return. Here’s how ₦10 million stacks up across three options. Treasury Bills offer the lowest risk. They are backed by the Federal Government and yield about 15–19%. You preserve your capital and face zero surprises, though you may miss slightly higher gains elsewhere. Money Market Mutual Funds combine T-bills and bank deposits. They offer 10–18% returns and let you withdraw anytime. This is ideal if you value flexibility and still want low risk. Government Bonds give up to 20% but lock your funds for 2–10 years. They suit long-term investing and deliver higher steady income. The trade-off is less liquidity. A balanced low-risk plan could be: ₦6 M in T-Bills for safety, ₦3 M in a money market fund for flexibility, and ₦1 M in bonds for a higher return. This mix delivers security, access to cash, and solid yields.

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