Fixed-income ladder builder. The maturity stagger, priced honestly.

“I have ₦5M I don't need for 18 months” deserves a better answer than one long T-bill or a bank deposit. Set the amount, the horizon, and how often you want money maturing; get the exact bills to buy at today's CBN stop rates, the reinvestment plan for every roll, net-of-WHT proceeds, and what the same money does in the alternatives.