ARM Ethical Fund – Halal Investment & Returns in Nigeria

Strategy & Asset Allocation

The ARM Ethical Fund invests primarily in short- to medium-term fixed income securities, including:

Asset Type

Amount (₦)

Sukuk (Islamic Bonds)

40% – 80%, providing stable, halal returns

Other Permissible Investments

0% – 20%

Shari’ah-Compliant Money Market Instruments

10% – 40%, liquidity and capital preservation

Pros and Cons

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

Pros

Low-risk investment in short-term instruments

High liquidity with withdrawals in ~48 hours

Flexible options: top-up, roll-over, early termination

Multiple rollover choices for reinvestment flexibility

Low entry barrier (₦10,000 minimum investment)

Experienced fund manager with long track record

Cons

Returns are not fixed and may fluctuate

Management fee (1.5%) reduces net returns

Not suitable for long-term aggressive growth

Early withdrawal may impact returns

Not insured like bank savings deposits

Fees & Charges

The ARM Ethical Fund invests in Shari’ah-compliant instruments designed to deliver steady returns while adhering to Islamic finance principles.

Fee Type

Amount / Range

Management Fee

1.5% of NAV annually

Who Should Consider This

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

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.

Short-Term Planners: Perfect if you're saving for something soon — like rent, school fees, or a business expense.
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.

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

ARM Ethical Fund is an excellent alternative to traditional savings by offering tax-free, superior returns in a liquid, low-risk vehicle, ideal for short-term goals and cash management.

How to Get Started

Here’s how you can begin investing in the United Capital Stable Income 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.

FAQs - ARM Ethical Fund

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

Is my money safe with the ARM Ethical Fund?

The fund invests in Sharia-compliant, regulated instruments and is managed by ARM Investment Managers, a SEC-licensed firm. It is designed for long-term growth, but as a moderate-risk investment, returns may fluctuate.

How do I invest in the ARM Ethical Fund?

You can invest through approved platforms (like nairaCompare) or directly with ARM. Simply sign up, complete your details, and fund your investment account.

Can I withdraw my investment anytime?

Yes, withdrawals are allowed, but the fund has a minimum holding period of 90 days. Processing timelines may apply after a redemption request.

How much do I need to start investing?

The minimum investment amount typically starts from ₦10,000, making it accessible for most investors.

How are profits distributed?

Returns are generated from Sharia-compliant investments (like Sukuk and equities) and are reflected in the fund’s performance over time. Profits may be distributed periodically or reinvested to grow your investment.