Treasury Bills Unit Trusts and Government Bonds Lessons

Treasury Bills Unit Trusts and Government Bonds Lessons Access Treasury Bills, Unit Trusts & Govt Bonds Lessons every Saturdays for Free.

Follow my WhatsApp Channel Using the link below to access the Class or Simply Call/TextlWhatsApp 0969293078

https://whatsapp.com/channel/0029VbC7ausDjiOdXddsxV0p

Jones

UNIT TRUST MASTERCLASSMost people think investing is only for the rich.It is not.Unit Trusts allow you to start with as ...
07/04/2026

UNIT TRUST MASTERCLASS

Most people think investing is only for the rich.

It is not.
Unit Trusts allow you to start with as little as K500 — and your money begins growing from day one, managed by professionals, without you doing anything extra.

In this 1-hour masterclass, I will show you exactly how it works.

WHAT YOU WILL LEARN

✅ What Unit Trusts are and how your money grows without extra work

✅ The different types of Unit Trusts in Zambia and which one suits your goal

✅ How to open an account step by step

✅ Fees, risks and what your real returns look like

✅ Which licensed firms are recomended in Zambia

✅ How to calculate your returns before you invest

✅ How to withdraw, track and manage your unit Trusts

And more

THIS CLASS IS FOR YOU IF:

➡️You want a safe, simple way to start investing
➡️You want to diversify beyond saving alone
➡️You are tired of your money sitting idle
➡️You can set aside at least K500 per month
➡️You want your money working while you work

WHAT YOU GET
— 1-hour live masterclass
— 10 recorded videos
— Unit Trust Manual
— Summarised class notes
— 30 days in the mentorship WhatsApp group

PRICE: K99
Send "UNIT TRUST" to 0969 293 078 to get your payment details and secure your spot.

*BREAKING NEWS: THE BOND MARKET JUST CHANGEDThe Bank of Zambia has announced major adjustments to the Government securit...
05/04/2026

*BREAKING NEWS: THE BOND MARKET JUST CHANGED

The Bank of Zambia has announced major adjustments to the Government securities market — effective April 2026.

If you invest in GRZ Bonds, T-Bills, or Unit Trusts… this affects you directly.

Here's what we know so far:
-The 3-year bond has *lost* its benchmark status
-The 7-year and 15-year bonds are now *the new benchmarks*
-Bond auctions will no longer happen monthly — they're moving to *twice per quarter*
-Benchmark bond sizes will increase through reopening

*TONIGHT — LIVE SESSION AT 20:00*

I'm breaking down everything in a live discussion inside the Bond Salary Certification ™ WhatsApp group.

We will cover:

-What exactly has changed and why the BoZ is doing this
-What are Liability Management Operations (LMO) — and why you need to understand them now
-Is the bond market still safe for your money?
-How bond pricing will be affected going forward
-What this means if you're currently holding bonds — or planning to buy

This is not just a class. This is what's happening *right now* in the market.

Bring your questions. We're going live. *TONIGHT — 20:00 HRS*

Not yet a member?
Tap on the link below to become one

https://wa.link/36zotf

QUESTION_I would like to find out about a fixed amount to begin with if I want to buy Treasury Bills or Bonds. Thank you...
03/04/2026

QUESTION
_I would like to find out about a fixed amount to begin with if I want to buy Treasury Bills or Bonds. Thank you._

MY RESPONSE

Good afternoon. Thank you for your question—I’m glad you are thinking about getting started.

Since April 2025, I have been teaching about Treasury Bills, Government Bonds, and Unit Trusts online.

Over 1,000 people have been guided in this journey.

One thing I have noticed is this: this question comes up all the time.

And it’s a good question. But more important than the question is your decision to start.

So what you are really asking is: “Where do I begin?”

There is no fixed amount you must start with.

However, there is a minimum investment amount of K1,000 for both Treasury Bills and Government Bonds.

The real question is—can you manage to save a K1,000?

Now, in my 7-step framework, investing is not the first step. You must move step by step:

Step 1: Get the right knowledge

Read books, ask questions, join free or paid up programs

Step 2: Open a bank account
Any bank in Zambia is okay but just avoid katemba banks

Step 3: Open a CSD account
An account for buying T bills and Bonds

Step 4: Start investing (this is where the K1,000 comes in)

So for now, don’t stress about the amount. Focus on getting ready.

If you don’t have a CSD account yet, start there.

Even if your account at at E, ZERO you can still open a CSD account .

Not sure how to do it? Inbox me—I will guide you.

And if you have a question, feel free to send it. It might be the next one I answer.

7th April 2026

Program (Started 1st April 2026)

QUESTIONS FROM MY INBOX Good evening, what will be my coupon payout on a 100pin?MY RESPONSEThanks for the question. We ...
02/04/2026

QUESTIONS FROM MY INBOX

Good evening, what will be my coupon payout on a 100pin?

MY RESPONSE

Thanks for the question. We learn more by asking questions.

Step 1: Calculate Your Annual Coupon

Using today's rate of 17.59%:
K100,000 × 17.59% = K17,590 per year

Step 2: Calculate Your Semi-Annual Coupon

Bonds pay every 6 months, so we divide by 2:
K17,590 ÷ 2 = K8,795 every 6 months (gross)

Step 3: Deduct Tax and Fees

The government deducts two things from your coupon:

— Withholding Tax (20%) = K8,795 × 20% = K1,759

— BOZ Handling Fee (1%) = K8,795 × 1% = K87.95

Total deductions = K1,846.95

Step 4: Your Net Coupon
K8,795 − K1,846.95 = K6,948.05 net every 6 months

Trust Master Class 7th April 2026

👇🏾👇🏾👇🏾👇🏾
https://whatsapp.com/channel/0029VbArAip3rZZlRbScoI1M/1550

28/03/2026

GRZ BOND RESULTS: WHAT SMART INVESTORS ARE SEEING (MARCH 2026)
Written by Coach JC

​The latest GRZ Bond results (No. 03/2026/BA) are out.

They tell a big story about money in Zambia right now.

If you want to grow your wealth, you need to see what is happening.

*​1. People are being careful*

​Offered: K4.2 Billion
Bids: K3.26 Billion
Result: Undersubscribed

​My thoughts: People are not just throwing money at everything anymore. Investors are taking their time. They are thinking hard before they lock away their cash.

*​2. Longer time means more pay*

​2 Years → 14.5%
​5 Years → 15.5%
​10 Years → 16.6%
​15 Years → 17.59%

​My thoughts: This is simple. If you lend your money for a long time, you get paid more. But remember, inflation in Zambia is still high (around 15-16%). If your interest is 14%, you might actually be losing buying power. You must aim for the higher rates to stay ahead!

*​3. The 7-Year Bond is the "Sweet Spot"*

​The demand here was higher than what was offered.

​My thoughts: Smart people are picking the middle ground. It is not too short, but not too long either. It is the best balance of risk and reward right now.

*​4. Investors are scared of the 15-Year Bond*

​15-Year: Offered K700M, Bids only K347M.

​My thoughts: Nobody wants to tie up their money for 15 years.

The future is hard to predict. People prefer to keep their money where they can reach it sooner.

*​5. Bank of Zambia (BoZ) is being strict*

​Some people asked for 26% interest. BoZ said NO and rejected them.

​My thoughts: BoZ is showing discipline. They want to keep interest rates from going out of control.

This is good for the country's debt, but it means you won't get "crazy" high rates easily.

​MY PREDICTIONS

​➤ Interest rates will likely stay where they are or drop a little bit soon.

➤ More people will start buying 5 to 10-year bonds.

➤ If you want the high rates, you should get in now before they fall.

​WHAT THIS MEANS FOR YOU

​Just saving money in a regular bank account is not enough. You are losing money to inflation every day.

​You need to learn about:

​Government Bonds
​Unit Trusts
​and Treasury Bills

​LEARN WITH ME

​I make investing easy. No big, confusing words.

​✅ Join my FREE WhatsApp groups
✅ Join my Mentorship Sessions

​I will show you:
✅​how to get started the right way
✅​How to invest step-by-step.
✅​How to grow your money every month.

​Message me now:
📞 0969-293078

17/03/2026

Can this work on Your Salary?

Reply YES if it can
NO if ot cant work

14/03/2026

Join whatsApp group Where we talk about T Bills. Bonds and Unit Trusts..

Its Free..

Say 'Group'in the comments I will send you the link

Are you a Salaried Individual Who Wants to create a second income without a side Hustle?Most people earn ONE salary but...
06/03/2026

Are you a Salaried Individual Who Wants to create a second income without a side Hustle?

Most people earn ONE salary but do not have a BOND salary-The Second Income Stream.

This workshop will change that.

Here is what we will cover:

1️⃣ 3 Strategies for Bond Laddering — especially when interest rates are falling

2️⃣ The Right Way to Get Started with T-Bills and Bonds — no experience needed

3️⃣ How to Calculate Bond Interest and Profit — so you know exactly what you are earning

- Only K99 to attend

Tap the link below to pay and get your access link

https://wa.link/lsglo7

Held a Successful Unit Trust Master Class today were 46 people participated....If you mist, Join the WhatsApp group belo...
19/12/2025

Held a Successful Unit Trust Master Class today were 46 people participated....

If you mist, Join the WhatsApp group below so that you can be the first to be notified as to when we will have another Class.

https://chat.whatsapp.com/DWiD8bTRI4SInRilzF2cUj

-We looked at 3 types of income
-Two ingredients for unit trust investment success
-Strategies for investing in different types of unit trust funds
-4 safe investments
-The "Focus" strategy
Correct way to diversify and more

This lesson came with 10 training videos and 3 ebooks and Workbooks

18/10/2025

Celebrating my 7th year on Facebook. Thank you for your continuing support. I could never have made it without you. 🙏🤗🎉

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