United Capital Balanced Fund

United Capital Asset Mgt.

At A Glance

United Capital Balanced Fund, by United Capital Asset Management, is a moderate-risk balanced fund blending equities (~52%), bonds (~14%), and term deposits (~34%). It targets long-term capital growth and income, with ~18.7% YTD returns, and entry begins at ₦10,000. 

Invesment Typebalanced fund
Risk LevelMedium
Fund ManagerUTL/UCAML BALANCED FUND ACCOUNT
Yield - to -Date37.56%

Strategy & Asset Allocation

This Money Market Fund is designed to preserve capital and deliver steady income with minimal risk. It invests in high-quality, short-term instruments to ensure liquidity, safety, and competitive returns.

Asset Type
Amount (₦)
Equities
~15–17%
Fixed Income
~18%
Money Market Instruments
~65–67%

Investment Calculator

Please note that whatever you calculate is just an estimation

₦
View Investment Summary

Pros and Cons

Balanced for investors seeking safety and yield, the fund offers clear advantages and modest limitations:

Pros
Attractive YTD return (18.6%) outperforming peers
Diverse asset mix across equity, bonds, and deposits 
Balanced volatility with structured risk management 
Institutional credibility 
Cons
Higher entry threshold for some investor segments
Performance is dependent on equity and bond markets 
Annual payouts delay reinvestment of income 
Smaller fund size (~₦1.3B) may impact flexibility 

Fees & Charges 

This Money Market Fund is designed to preserve capital and deliver steady income with minimal risk. It invests in high-quality, short-term instruments to ensure liquidity, safety, and competitive returns.

Fee Type
Amount / Range
Management Fee
1.5% per annum
Exit Fee
None – Free entry and exit

Who Should Consider This

This investment is ideal for people who want low-risk growth and easy access to their money.

  1. 1.
    Savers Looking to Earn More: Instead of leaving your money idle in a bank account, this helps it grow — with better returns than typical savings.
  2. 2.
    Short-Term Planners: Perfect if you're saving for something soon — like rent, school fees, or a business expense.
  3. 3.
    First-Time or Cautious Investors: If you're new to investing or just want to play it safe, this option offers stability and peace of mind.
  4. 4.
    Professionals with Idle Cash: Have spare funds sitting for a few months? This helps you make the most of that cash without locking it away.

nairaCompare Insight

With strong YTD returns and moderate risk, this fund is suitable for growth-oriented investors seeking exposure to multiple asset classes under a professionally managed structure. 

 

How to Get Started

Here’s how you can begin investing in the ARM Money Market Fund and earning returns:

Choose an Investment

Browse and compare available investment products from top providers.

Fill Out Your Details

Complete a short application form with your personal and banking information.

Fund & Start Earning

Transfer your money securely and start earning returns — typically within 24–48 hours.

See Other Similar Products

Below are carefully selected alternatives for you:

View all products

FAQs - United Capital Balanced Fund

We answered some questions, so you don't have to ask them

Is my money safe with United Capital?
Yes, United Capital Asset Management (UCAM) is a leading fund manager in Nigeria managing over ₦1 trillion in assets and operating nine mutual funds. They're a wholly-owned subsidiary of United Capital Plc, a pan-African financial services group, and are SEC-licensed and regulated.
How do I invest in the United Capital Balanced Fund? 
You can invest through the nairaCompare platform. Simply click on the “Invest” button above and you will be redirected to the provider’s site; which has detailed instructions on the fund’s requirements and methods.
Can I withdraw anytime?
Yes, though annual payouts may delay reinvestment of income. The fund offers balanced volatility with structured risk management, making it suitable for medium to long-term investment horizons.
How much do I need to start?
The minimum investment is ₦10,000, making it accessible for growth-oriented retail investors. The fund size is approximately ₦1.3 billion with institutional credibility backing.

About  United Capital Asset Management (UCAM)

United Capital Asset Management (UCAM) is a leading fund manager in Nigeria, managing over N1 trillion in assets and operating nine mutual funds, along with various separately managed portfolios. They are a wholly owned subsidiary of United Capital Plc, a pan-African financial services group. UCAM provides asset management services to both private and institutional investors across Nigeria and Africa, offering services like portfolio and fund management, mutual funds, and investment advisory. 

CONTACT ADDRESS

3rd and 4th Floor, Afriland Towers, 97/105 Broad Street, Lagos.

WEBSITE

https://unitedcapitalplcgroup.com/

PHONE NUMBER

07000468378

EMAIL ADDRESS

chiamaka.ogbuji@unitedcapitalplcgroup.com

Subscribe For Financial Tips and Offers!

Sign up for our newsletter to get the best offers, expert advice, and more!

By continuing, you agree to our Terms & Conditions and Privacy Policy.