United Capital Fixed Income Fund

United Capital Asset Mgt.

At A Glance

 The United Capital Fixed Income Fund, managed by United Capital Asset Management, is a medium-risk, open-ended naira-denominated fund that invests in Federal Government bonds, sub-national bonds, corporate bonds, and high-quality money market securities. The fund aims to provide consistent income and capital preservation, with a current yield-to-date of about 5.96%. 

 

Invesment Typefixed income fund
Risk LevelMedium
Fund ManagerUnited Capital Fixed Income Fund
Yield - to -Date8.53%

Strategy & Asset Allocation

The United Capital Fixed Income Fund invests primarily in short- to medium-term fixed income securities, including:

Asset Type
Amount (₦)
Corporate Bonds
0% – 60%
Other Permissible Investments
0% – 40%
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 fixed-income portfolio including government and corporate bonds 
Consistent income generation from interest-bearing 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 
 Returns influenced by interest rate changes 
Processing time of about 48 hours for transactions 
 No rollover option available 
Minimum investment tenor of 3 months, which may limit very short-term liquidity 

Fees & Charges 

The United Capital Fixed Income Fund invests in Shari’ah-compliant instruments designed to deliver steady returns while adhering to Islamic finance principles.

Fee Type
Amount / Range
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

United Capital Fixed Income Fund is a medium-risk investment fund designed to deliver consistent income through a diversified portfolio of government and corporate bonds. It offers investors a structured alternative to traditional savings, with potential for steady returns while maintaining portfolio stability.

 

 

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 - United Capital Fixed Income Fund

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

Is my money safe with the United Capital Fixed Income Fund?
The fund invests primarily in government and high-quality corporate bonds and is managed by United Capital Asset Management, a SEC-regulated investment manager. However, returns may fluctuate depending on interest rate movements.
How do I invest in the United Capital Fixed Income Fund?
You can invest by completing an application through an authorised platform or provider. Once your minimum investment of ₦10,000 is funded, your investment will be processed.
Can I withdraw my investment anytime?
Yes. The fund allows early termination, and redemption requests are typically processed within 48 hours.
How much do I need to start investing?
The minimum investment amount is ₦10,000, while the maximum investment amount is ₦900,000,000.
How do investors earn returns from the fund?
Returns are earned daily based on prevailing interest rates, and accrued interest is added to the principal annually, allowing the investment to compound over time.

About United Capital Fixed Income Fund

UCAM is a leading fund manager in Nigeria, managing over N1 trillion in assets and operating nine mutual funds, along with various separately managed portfolios. They are a wholly owned subsidiary of United Capital Plc, a pan-African financial services group. UCAM provides asset management services to both private and institutional investors across Nigeria and Africa, offering services like portfolio and fund management, mutual funds, and investment advisory.

CONTACT ADDRESS

3rd and 4th Floor, Afriland Towers, 97/105 Broad Street, Lagos.

WEBSITE

https://unitedcapitalplcgroup.com/fixed-income-fund/

PHONE NUMBER

07000INVEST (07000468378)

EMAIL ADDRESS

customerservice@unitedcapitalplcgroup.com

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