ARM Short Term Bond Fund (STBF.)

ARM Investment Managers

At A Glance

 The ARM Short Term Bond Fund, managed by ARM Investment Managers, is a medium-risk, open-ended naira-denominated fixed income fund that invests in short- to medium-term debt securities with a maximum duration of three years. Designed for investors seeking competitive returns and portfolio diversification, the fund currently offers a yield-to-date of about 12.29%. 

Invesment Typefixed income fund
Risk LevelMedium
Fund ManagerARM Investment Managers
Yield - to -Date12.29%

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

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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
1%

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 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:

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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 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.

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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