United Capital Stable Income Fund

United Capital Asset Mgt.

At A Glance

At a Glance 

United Capital Stable Income Fund is a low-to-middle risk, open-ended naira-denominated fixed-income fund managed by United Capital Asset Management. It invests primarily in high-quality short- and medium-term bonds and money market instruments. As of April 2025, it has delivered a year-to-date return of ~21.8%, outperforming its benchmark by nearly 3 percentage points. 

 

 

Invesment Typemoney market fund
Risk LevelMedium
Fund ManagerEmerging Africa Trustees/United Capital Stable Income Fund
Yield - to -Date21.89%

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
Diversified mix of money-market and fixed-income securities (government & corporate bonds)

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Pros and Cons

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

Pros
Strong early returns (~21.8% YTD) above benchmark 
Capital preservation with low volatility risk 
Medium-term horizon flexibility, with tenor options from 1 to 48 months 
Well-diversified across government/community bonds and quality corporate debt 
Cons
Minimum investment of ₦50 million limits retail access 
Moderate risk—higher than pure money market funds 
Early redemption penalty may apply within the 30-day holding period
New fund with a limited track record compared to legacy fixed-income options 

Fees & Charges 

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.

Fee Type
Amount / Range
Management Fee
2% per annum of NAV
Early Redemption Penalty
10% of accrued interest if redeemed before holding period

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 Stable Income Fund is ideal for institutional and high-net-worth investors seeking yields above money market levels, but with a controlled risk profile and access to quality middle-term debt instruments. 

 

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 Stable Income Fund

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

Is my money safe with United Capital?
Yes, United Capital Asset Management (UCAM) is a leading fund manager in Nigeria, managing over ₦1 trillion in assets. They're a wholly-owned subsidiary of United Capital Plc, a pan-African financial services group, and are SEC-licensed and regulated.
How do I invest in the United Capital Stable Income Fund?
You can invest through the nairaCompare platform. Simply 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, though there may be early redemption penalties within the 30-day holding period. The fund offers tenor options from 1 to 48 months with medium-term horizon flexibility.
How much do I need to start?
The minimum investment is ₦50 million, which limits access to institutional and high-net-worth investors rather than retail investors.

About United Capital Asset Management

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/stable-income-fund/

PHONE NUMBER

07000INVEST (07000468378)

EMAIL ADDRESS

customerservice@unitedcapitalplcgroup.com

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