ARM Fixed Income Fund (FIF)

ARM Investment Managers

At A Glance

 The ARM Fixed Income Fund, managed by ARM Investment Managers Ltd., is a medium-risk, open-ended naira-denominated fund designed to help investors achieve medium- to long-term financial goals. The fund invests in high-quality fixed income securities, including Treasury Bills, commercial papers, bank placements, Federal Government bonds, and corporate bonds, with a current yield-to-date of about 4.3%. 

Invesment Typefixed income fund
Risk LevelMedium
Fund ManagerARM Investment Managers Ltd.
Yield - to -Date4.3%

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
10% – 60%
Other Permissible Investments
0% – 30%
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
 Diversified portfolio of government and corporate fixed income securities 
 Low entry point starting from ₦5,000 
 Top-ups and rollovers permitted, allowing flexible investing 
 Open-ended fund, enabling new investments at any time 
Cons
Returns fluctuate with interest rate changes 
Annual dividends may delay income access 
Management fees may reduce overall net returns 
Moderate risk, higher than money market funds 
 Returns depend on bond market conditions 

Fees & Charges 

The ARM Fixed Income Fund invests in government and corporate debt securities to generate steady income for investors.

Fee Type
Amount / Range
Management 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

The ARM Fixed Income Fund provides a medium-risk alternative to traditional savings, investing in government and corporate bonds to generate steady income for medium- to long-term investors.

 

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 Fixed Income Fund

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

Is my money safe with the ARM Fixed Income Fund?
The fund invests in government and high-quality corporate fixed income securities and is managed by ARM Investment Managers, a SEC-regulated asset management firm. However, as a medium-risk investment, returns may vary depending on market conditions.
How do I invest in the ARM Fixed Income Fund?
You can invest by completing an investment application and funding your account. Once the minimum investment of ₦5,000 is received, units will be allocated to your investment.
Can I withdraw my investment anytime?
Yes. The fund permits early termination, and redemption requests are typically processed within 48 hours.
How much do I need to start investing?
The minimum investment amount is ₦5,000, while the maximum investment amount is ₦100,000,000.
How do investors earn returns?
Returns are generated from interest income earned on fixed-income securities held in the portfolio. Dividends are distributed annually based on the fund’s performance.

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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