Stanbic IBTC Money Market Fund

At A Glance

Stanbic IBTC Money Market Fund is a conservative, low-risk money market fund managed by Stanbic IBTC Asset Management. It invests 100% in high-grade short-term securities such as Treasury bills, commercial papers, and bank deposits rated BBB and above. With a recent yield of ~20–21% annually, it delivers stable income while preserving capital—far better than standard savings accounts.

Invesment Type

Risk LevelMedium

Fund ManagerStanbic IBTC Asset Management

Yield - to -DateN/A

Strategy & Asset Allocation

This Money Market Fund is designed to preserve capital and deliver steady income with minimal risk. It invests in high-quality, short-term instruments to ensure liquidity, safety, and competitive returns.

Asset Type

Amount (₦)

Treasury Bill

100% in high-quality short-term instruments (T-Bills, CPs, Fixed Deposits rated “BBB” and above)

Pros and Cons

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

Pros

Stable income (~20–21%), beating typical savings rates

Capital preservation with ultra-low volatility

High liquidity, with redemptions after a 30-day hold period and 24–48h processing

Low entry point (₦5,000) and flexible top-ups

Cons

Limited long-term growth, suitable for income rather than capital appreciation

Yield volatility, as earnings vary with money-market rates

30-day holding period with penalties for early redemption

Concentrated in short-term instruments, with no exposure to equity markets

Fees & Charges

Fee Type

Amount / Range

Management Fee

1.50% per annum (of NAV)

Early Redemption Penalty

20% of the accrued income if redeemed before 30 days

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

With rates above 20% + strong liquidity, Stanbic IBTC MMF is a smart alternative to bank savings or fixed deposits. Ideal for individuals saving for short- to mid-term goals—like fees, assets, or an emergency fund—while earning competitive, low-risk returns.

How to Get Started

Here’s how you can begin investing in the ARM Money Market Fund and earning returns:

Choose an Investment

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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.

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FAQs - Stanbic IBTC Money Market Fund

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

Is my money safe with Stanbic IBTC?

Yes, your investment is safe. Stanbic IBTC Asset Management is rated Aa(f) by Agusto & Co (the highest rating for a fund in Nigeria) and is part of the Standard Bank Group. The fund has minimal exposure to downside risk and invests only in securities rated BBB and above.

How do I invest in the Stanbic IBTC Money Market Fund?

You can invest through the nairaCompare platform. Click on the “Invest” button above and you will be redirected to the provider’s site, which has detailed instructions on the fund’s requirements and methods.

Can I withdraw anytime?

Yes, but there's a 30-day minimum holding period. After 30 days, you can redeem online (up to ₦5M daily) with proceeds transferred within 2 working days, or submit forms at branches for processing within 5 working days.

How much do I need to start?

The minimum initial investment is ₦5,000, with no maximum limit. Additional investments can be made in multiples of ₦1,000, making it accessible for both retail and institutional investors.