All You Need to Know About the Rosabon Treasury Note (RTN)

All You Need to Know About the Rosabon Treasury Note (RTN)

In today's unpredictable economic climate, many investors are looking for ways to grow their money without exposing themselves to excessive risk. While stocks and other market-linked investments can deliver significant returns, they often come with uncertainty.

If you're seeking a more predictable way to build wealth, the Rosabon Treasury Note (RTN) may be the solution you've been looking for.

This guide covers everything you need to know about RTN, how it works, and why it continues to attract investors seeking guaranteed returns and financial flexibility.

What is the Rosabon Treasury Note (RTN)?

The Rosabon Treasury Note (RTN) is a fixed-income investment product offered by Rosabon Financial Services, a leading Nigerian financial institution with over 30 years of experience helping individuals and businesses achieve their financial goals. Licensed by the Central Bank of Nigeria (CBN), we have built a strong reputation for providing innovative financial solutions backed by expertise, integrity, and customer trust.

RTN allows individuals and businesses to invest a lump sum and earn guaranteed interest over a specified period. Unlike investments whose returns fluctuate based on market performance, RTN enables investors to know exactly how much they will earn from the moment they invest.

Designed as an alternative to volatile investment options, RTN helps investors preserve capital while earning competitive returns. Available investment tenors range from 60 days to 365 days, giving investors the flexibility to choose a timeline that aligns with their financial goals.

Why Consider RTN?

Guaranteed Returns

One of the biggest advantages of RTN is certainty. When you invest, your returns are determined upfront, allowing you to plan with confidence. Whether you're saving for a major purchase, building an emergency fund, or growing your wealth, RTN offers predictability in an often unpredictable market.

Competitive Interest Rates

RTN offers interest rates up to 23%, typically priced above government Treasury Bills, offering investors an attractive risk-adjusted return. Rates are structured based on investment amount, tenor, and interest payment preference, ensuring that investors are rewarded appropriately.

Flexible Investment Tenors

Not every investor has the same financial timeline. RTN offers multiple tenor options:

  • 60 Days
  • 90 Days
  • 120 Days
  • 180 Days
  • 365 Days

This flexibility allows you to align your investment with your liquidity needs and financial objectives.

Access Emergency Funds Without Breaking Your Investment

One of RTN's standout features is the Cash-Backed Facility, which allows investors to borrow against their investment at a preferential rate instead of liquidating it prematurely.

This means you can access funds when needed while your investment continues to earn interest.

Who Can Invest in RTN?

RTN is open to both individual and corporate investors.

Minimum investment requirements are:

  • Individuals: ₦50,000
  • Corporate Organisations: ₦250,000

Whether you're a salaried professional, entrepreneur, SME owner, or corporate institution, RTN provides an accessible avenue for wealth creation.

How Does RTN Interest Work?

Interest on RTN is calculated using a simple interest formula:

Interest = Principal × Rate × (Tenor ÷ 365)

For example, an investment of ₦1,000,000 at 18.75% for 90 days would generate approximately ₦46,232.88 in gross interest before applicable taxes.

The actual interest rate available may vary based on prevailing market conditions and investment parameters.

Can I Receive My Interest Upfront?

Yes. RTN allows investors to choose whether they want their interest paid at maturity or upfront at the point of investment.

For investors seeking immediate cash flow, this option provides added flexibility while still benefiting from the investment structure.

What Happens If I Need My Money Before Maturity?

While RTN is designed to be held until maturity, investors may liquidate their investment before the agreed tenor expires.

However, premature liquidation attracts a penalty charge, which varies depending on how much of the investment tenor has elapsed. Because of this, investors are encouraged to choose a tenor that aligns with their anticipated cash flow needs.

Can I Add More Money to My Existing Investment?

Absolutely. RTN offers a Top-Up feature that allows investors to increase their investment amount during the investment period. Depending on the new balance, this may result in a review of the applicable interest rate.

What Happens When My Investment Matures?

At maturity, investors have two options:

  • Withdraw their principal and earned returns.
  • Roll over the investment into a new RTN placement at prevailing rates.

This makes RTN suitable for both short-term goals and long-term wealth-building strategies.

What Do I Need to Open an RTN Account?

Getting started with RTN is quick and straightforward.

Simply apply online through our investment portal here (https://rosabon-finance.com/investment-offer/apply) or send an email to [email protected], and one of our Wealth Advisors will guide you every step of the way.

To open an account, you'll typically need:

  • A valid government-issued ID
  • A recent passport photograph
  • Proof of funds transfer (where applicable)
  • Duly completed and signed RTN Account Opening Form

Once your application is approved and your investment is funded, you'll receive an Investment Certificate confirming your placement and the details of your investment.

Is RTN Right for You?

RTN may be ideal if you:

  • Want predictable returns on your investment.
  • Are looking to diversify beyond stocks and other volatile assets.
  • Need flexible investment tenors.
  • Want access to emergency funds without disrupting your investment.
  • Prefer a simple and transparent investment process.

In an environment where certainty is increasingly valuable, RTN offers investors an opportunity to grow their wealth with confidence.

Ready to Start Investing?

Whether you're investing for a future goal, preserving capital, or looking for a smarter way to grow your money, the Rosabon Treasury Note can help you get there.

Getting started is simple and convenient. You can reach us through any of the following channels:

No matter which channel you choose, one of our Wealth Advisors will guide you every step of the way to find the RTN option that best fits your financial goals.