United Capital Stable Income Fund

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)

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

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.

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

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:

Choose an Investment

Browse and compare available investment products from top providers.

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.

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.