ARM Short Term Bond Fund (STBF) – Returns & How to Invest

Strategy & Asset Allocation

The ARM Short Term Bond Fund invests primarily in short- to medium-term fixed income securities including:

Asset Type

Amount (₦)

Corporate Bonds

Debt securities issued by reputable companies

Other Permissible Investments

Approved naira-denominated debt investments

Treasury Bills

25% – 95% – Government-backed, low risk

Pros and Cons

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

Pros

Competitive returns compared to traditional savings accounts

Diversified fixed income portfolio of short- to medium-term securities

Low entry point with a minimum investment of ₦10,000

An open-ended fund, allowing additional investments and withdrawals

Cons

Medium risk profile, higher risk than money market funds

Management fee of 1.5% and transaction fee of 1% may reduce net returns

Returns depend on bond market conditions

Profit distribution occurs annually, not immediately

Fees & Charges

The FBN Halal 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

Transaction Fee

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 Short Term Bond Fund (STBF) 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 Short Term Bond Fund

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

Is my money safe with the ARM Short Term Bond Fund?

The fund invests in regulated fixed income instruments and is managed by ARM Investment Managers, a SEC-licensed asset management firm. However, as a medium-risk investment, returns may fluctuate depending on bond market conditions.

How do I invest in the ARM Short Term Bond Fund?

You can invest by completing an application and funding your investment account. Once your minimum investment of ₦10,000 is confirmed, units will be allocated to your investment.

Can I withdraw my investment anytime?

Yes. The fund allows early termination, and withdrawal requests are typically processed within 24 hours, depending on the redemption process.

How much do I need to start investing?

The minimum investment amount is ₦10,000, with a maximum investment of ₦100,000,000.

How are profits distributed?

At the end of each financial year, 25% of profits are reinvested into the fund while 75% is distributed to unit holders based on their holdings.