ARM Ethical Fund

ARM Investment Managers

At A Glance

 The ARM Ethical Fund is a Sharia-compliant investment fund designed for individuals who want to grow their wealth in line with Islamic finance principles and ethical values. It focuses on long-term capital appreciation by investing in approved assets that avoid interest (riba) and non-compliant sectors, making it ideal for investors seeking both financial growth and faith-based alignment. The fund offers a yield-to-date of about 21.7%

Invesment Typeequity fund
Risk LevelMedium
Fund ManagerARM Investment Managers Ltd.
Yield - to -Date21.7%

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

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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. 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

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:

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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.

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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.

About ARM Investment Manager Ltd

ARM has an AA rating by Agusto & Co. (the highest rating for an asset management firm in Nigeria) and was named the Best Fund Manager in Nigeria and Investment Company of the year by Capital Finance International and Investor Magazine. The company offers a mix of traditional and alternative investments, including equities, fixed income, cash, and real estate. With over 20 years of experience, they serve a broad client base backed by strong research and advisory expertise. Their services span traditional asset management and specialised investments.

CONTACT ADDRESS

1 Mekunwen Road, Ikoyi, Lagos

WEBSITE

https://arm-money.co

PHONE NUMBER

3939923233

EMAIL ADDRESS

invest@first-assetmanagement.com

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