Money Market Fund

The Money market fund is a low-risk fund that allows you to invest and get quarterly returns. It offers easy entry and exit, and redemption within 24 hours.

    Benefits:
  • Start with a minimum of just N10,000
  • Low risk and competitive return
  • Quarterly dividends
  • 24-hour redemption
  • Minimum holding period of 30 days
Take a Risk Assessment

Wealth for Women Fund

The Wealth for Women Fund aims to encourage women to imbibe a savings culture. It is invested in fixed income instruments and in companies with enough women representation on their board.
    Benefits:
  • Start with a minimum of just N10,000
  • Tax-exempt dividend payments
  • Diversified portfolio of fixed income and equity investments
  • Capital appreciation over a long period
  • Investment in companies with significant women representation in management positions
  • 24-hour redemption
  • Minimum holding period of 90 days
Take a Risk Assessment

Nigerian Eurobond Fund

The Eurobond Fund is a dollar-denominated mutual fund invested in Eurobonds floated by the Federal Government of Nigeria and other qualifying Eurobonds registered by the Securities and Exchange Commission.

Benefits:
  • Start with a minimum of $1000
  • Significantly higher returns than domiciliary bank accounts
  • Tax-exempt dividend payments
  • Good hedge against depreciation of the Naira
  • 24-hour redemption
  • Minimum holding period of 90 days

    • Take a Risk Assessment

    Fixed Income Fund

    The objective is to achieve competitive returns on investments with moderate risk by Investing in high quality bonds and treasury bills.
      Benefits:
    • Start with a minimum of N10,000
    • Tax-exempt dividend payment
    • High quality fixed income instruments
    • 24-hour redemption
    • Minimum holding period of 90 days
    Take a Risk Assessment

    Balanced Fund

    The United Capital Balanced fund is an actively managed open ended unit trust whose primary objective is to provide investors and beneficiaries with long term capital appreciation and income distribution through investment in a select portfolio of Securities and Instruments.
      Benefits:
    • Start with a minimum of N10,000
    • Achieve long-term capital appreciation and income
    • Tax-exempt dividend payments
    • Minimum holding period of 90 days
    • 24-hour redemption
    • Diversified portfolio of equity investments and fixed income
    Take a Risk Assessment

    Equity Fund

    The Equity Fund invests in quoted equities that are traded on the floor of the Nigerian Stock Exchange (NSE) and can achieve high returns over short and long periods of time. Equity schemes are suitable for investors having a long-term outlook. The fund can be affected by changes in stock prices.
      Benefits:
    • Start with a minimum of just N10,000
    • Long term equity returns outperforming
    • Fixed income investments
    • Exposure to diversified portfolio of
    • Stocks across sectors
    • Tax-exempt dividend payments
    • 24-hour redemption
    • Minimum holding period of 90 days
    Take a Risk Assessment

    Sukuk Fund

    The objective of the Fund is to provide investors with a low-risk investment with stable and competitive returns through investments in short, medium and long-term Sharia-Compliant securities and investment products, whilst ensuring the preservation of capital and maintaining a reasonable degree of liquidity.

      Minimum Investment:
    • Initial: 10,000 units at N1 per unit
    • Subsequent: multiples of 5,000 units
      Minimum Investible Amount:
    • Initial: N10,000.00
    • Subsequent: N5,000.00
      Redemption:
    • 24hrs redemption
      Minimum Holding Period
    • 90days
      Dividend pay out
    • Annually, based on performance of the fund
    Take a Risk Assessment

    Mutual Fund Rates

    Click to view our mutual funds rates

    Education Trust

    The Education Trust is a  fund set up by parents and/or guardians for their children and/or wards. It ensures that the wishes of the parents for their children as regards tuition, welfare, health (medical and health insurance coverage) and leisure (travel) are realized.
    Benefits:
    • Available in Naira and Dollar denomination
    • Funds can be availed directly to 3rd parties for the purpose of school fees, travel, health, etc. in favor of the named beneficiary
    • Life Insurance Benefits
    • The Trust Fund is professionally managed to generate returns and reports on the Trust Fund will be rendered bi-annually
    Take a Risk Assessment

    Nigerian Diaspora Trust

    The Diaspora Trust is designed to provide secure, high fidelity investing options for Nigerians in the diaspora including fund investments in Naira and Dollar-denominated instruments and acquisition of all types of assets.
    Benefits:
    • Confidentiality of the Trust and Assets are preserved
    • This product relieves settlor of any stress and anxieties often experienced in undertaking investment back home while abroad.
    • Funds can either be invested in USD or Naira denominated assets at the preference of the client.
    • The investment is assured in line with your mandate/instruction.
    • Flexible entry and exit option of Investment.
    Take a Risk Assessment

    Private Investment

    Our Private Investment Trust Account enables you to set aside either a lump sum amount or periodic contributions over time for long term saving and investment.
    Benefits:
    • Easy entry and exit of investment
    • Available in both Naira and Dollar denominations
    • Funds are professionally managed to generate returns
    • Funds can be accessed within 24 Hours at no cost and penalty
    • Funds may be availed directly to the Bene?ciary to prevent diversion of funds
    Take a Risk Assessment

    Mutual Fund Rates

    Click to view our mutual funds rates

    Stock Trading

    A Securities Trading account provides direct market access to enable one  trade on the floor of the Nigeria Stock Exchange from the comfort of your smartphone or computer.
    Benefits:
    • Minimum account opening balance of N5,000.00 or an equivalent in stock value
    • Daily market reports
    • Weekly stock recommendation reports
    • Timely and efficient execution of mandates
    • Share registration services which include: share certificate management, dividend management, transfer of share and handling of registrars related issues
    Take a Risk Assessment

    UTrace

    UTRACE is designed to assist you track and unlock the value of all unclaimed dividends/outstanding bonuses from quoted companies in Nigeria. Also, enable you to have access to shares bought through the Stockbroking houses that are now inactive or moribund
    UTRACE will ensure the following amongst others:
    • Reconcilliation of clients investments
    • Recovery and dematerialization of all shares certificates
    • Recovery of all outstanding bonuses and dividend warrants
    • Revalidation of stalled dividend warrants
    • Consolidation of multiple shareholding and CSCS accounts
    • Transfer of shares from inactive/moribund Stockbroking houses to UCSL
    • Transfer of minor accounts to beneficiaries upon attainment of age

    Mutual Fund Rates

    Click to view our mutual funds rates

    Weekly Investment Views

    Concise week-on-week reporting on the smallest movements in the stock market.

    Learn More

    Pan African Monitor

    Valuable, actionable commentary on financial trends, events and happenings across Africa.

    Learn More

    Daily Price List

    An overview of stock prices, published daily.

    Learn More

    Interest Calculator

    Use our compound interest calculator to see how much growth your investment will make if you invest now.

    Mutual Fund Rates

    Click to view our mutual funds rates

    1. You are here:
    2. Home
    3. Frequently Asked Questions

    Frequently Asked Questions

    InvestNow Related
    What is InvestNow?

    Investnow is an Integrated online web and mobile apps platform powered by United Capital Plc, that enables you to have complete management over your portfolio with us. You can open account(s) with any of our Businesses (Securities, Trustees and Asset Management) through it. You can also view your cash and portfolio holding balance, fund your account (one off and recurrent/standing instruction) and view all your accounts for the various Businesses under a Consolidated portfolio dashboard view.

    Subscription and liquidation of your Mutual Funds and other investments products can be done through the portal. You can also trade live on the Nigerian Stock exchange on an online real time basis as well as monitor your order placements during trading hours.

    How can I learn more on the Company products on InvestNow?

    You can learn more about our products by following the link https://investnow.ng/Registration

    How can I activate my account for online access?
  • Click on the link: https://investnow.ng/Registration/Existing
  • Input your client ID/account number
  • Select the account type you have with us
  • Click on the box that says you are not a robot.
  • An activation mail will be sent to you. Follow all instructions within the mail to have online access to your portfolio.
    • How do I view my portfolio?
    To view your portfolio via web:
  • Visit investnow.ng on your web browser.
  • Log in.
  • Click on my Portfolios and you will see a drop down of options.
  • Click on the product you have with us and you will be able to view your portfolio.


    • To view your portfolio via the Investnow mobile App:
  • Log in.
  • Click on My Dashboard
  • Click on the drop down menu besides My Dashboard ?
  • Click on my portfolio.
  • Click on the product you are currently investing in and view your portfolio.
    • How do I fund my account through investnow?
    You can fund your account either on a one off or recurrent (standing instruction) basis.To fund your account through the web platform:
  • Visit investnow.ng on your web browser.
  • Log in
  • Click on Fund Account
  • Click on select Wallet and choose the account you wish to fund
  • Select Frequency (Daily, Weekly, Monthly for recurrent funding or One Off for single funding)
  • Indicate the amount you wish to fund
  • Click the dates you want the payment to be effected and
  • Click on Pay Now. After clicking that button, you will be redirected to input your card details
  • Once you input your card information, click on submit and you will get a notification through your registered email with us that your transaction has been successful


    • To fund your account via the Investnow mobile App:
  • Log in
  • Click on My Dashboard
  • Click on the drop down menu besides My Dashboard ?
  • Click on Funding
  • Click on Fund Account
  • Click on Pay with Card
  • On the next page select the account you wish to credit
  • Once you have selected the account you wish to credit, you will be led to a page where you can fill in the amount and frequency of payment that you want
  • Click Next
  • Input your card details
  • Click Proceed
  • Once you input your card information, click on submit and you should get a notification through your registered email with us that your transaction was been successful
    • How do I fund my account through investnow?
    Yes! You can link one or more accounts irrespective of the Business to your existing account, this include accounts belonging to minors that you are the guardian and signatory too. Please find below steps.
    To link your account on the investnow web platform:

  • Visit investnow.ng on your web browser.
  • Log in.
  • Click on my accounts.
  • Select link another account.
  • Input the client ID of the account you wish to link.
  • Select the Business Unit (Securities, Trustees or Asset Management) of the account you wish to link.
  • Click on proceed.


    • To link your account via the Investnow mobile App:
  • Log in
  • Click on Dashboard
  • Click on link accounts.
  • Input the client ID of the account you wish to link.
  • Select account type.
  • Click on proceed
    • What happens if I forget my password?
    You can reset your password by following these steps.
  • visit investnow.ng
  • Click on forgot password
  • Input your registered email
  • Tick the box that confirms that you are not a robot and click on proceed
  • A reset password email link will be sent to you. Follow the link to change your password.
    • How can I access the portal if the link sent to me has expired?
    If the link sent to your registered email has expired, please go through the process of resetting your password again
    How do I gain access to more information that will help me make better investment choices.
    With Investnow, you can access the following: You can view the following on our platform:
    a) Price list.
    b) Recommendation.
    c) Market news.
    d) Market statistics
    e) Pan African monitor
    You can view these market information by following below steps.
  • Visit investnow.ng.
  • Click on research to reveal a drop down of options
  • Click on the option that best suits the information you require.
    • What else can I do with investnow?
    You can monitor selected stocks that you wish to invest in at a future date simply follow these steps
  • Log into investnow.
  • Click on stock quote.
  • Click on my watchlist
  • Click on add stock and you will directed to a list of available stocks.
  • Select the stocks you wish to monitor.
  • You can choose to add your target price and variance if you so wish.
  • Click on add stock and it will be added to your watchlist.
    • I still have some enquiries not covered here. How can I get help?
    You can reach us through the channels below:
  • Email: customerservice@unitedcapitalplcgroup.com
  • Phone: 07000468378 (07000INVEST)
  • Live chat: investnow.ng ; unitedcapitalplcgroup.com
  • Whatsapp: 08168282396
    • Mutual Funds & Trusteeship
    How do I subscribe to United Capital Asset Management Mutual Funds?
    Please be informed that you will only be able to subscribe to products that you have an investment in.
    To make a subscription through the web platform:
  • Visit investnow.ng on your web browser
  • Log in
  • Click on my portfolio and you will see the drop down menu
  • Click on Mutual Funds and you will be able to view all your Asset Management Mutual Funds accounts you have with us. (if you have more than one)
  • Underneath each of the products you will be able to choose subscribe, redeem or view statement. Click on subscribe
  • Select the portfolio you wish to subscribe and then input the amount you wish to subscribe. The units will be automatically compiled. (Please note that you must fund the account using the funding option first before you can subscribe)
  • Click on submit


    • To subscribe to United Capital Asset Management Mutual Funds via the Investnow mobile App:
  • Log in
  • Click on Mutual Funds
  • Click on subscribe
  • Select the mutual funds product you wish to subscribe to
  • Input the amount you wish to subscribe
  • Add your comment
  • Then click on proceed
    • How do I redeem my United Capital Asset Management Mutual Fund investment?
    To redeem your UCAM investment through the investnow web platform:
  • Visit investnow.ng on your web browser
  • Log in
  • Click on My Portfolio
  • Click on Mutual Funds
  • Click on Redeem (which is highlighted in red)
  • Input the amount you want to redeem
  • Click on submit


    • To redeem your UCAM investment through the Investnow Mobile App:
  • Log in.
  • Click on My Dashboard
  • Click on the dropdown menu My Dashboard ?(there will be a drop down of options to choose from)
  • Click on My Portfolio
  • Click on Mutual Funds (for Mutual Fund clients)
  • Click on the red arrow icon >
  • Select the amount you want to redeem
  • Click on Proceed
    • How do I redeem my Short term Portfolio Management Scheme (SPMS) and Trusts Placements?
    To redeem your Short term Portfolio Management Scheme(SPMS) and Trusts Placements through the Investnow Mobile App?

  • Log in.
  • Click on My Dashboard
  • Click on the menu icon besides My Dashboard ?(there will be a drop down of options to choose from)
  • Click on My Portfolio
  • Click on Placement/Trust
  • Click on the red arrow icon >
  • Select the amount you want to redeem
  • Click on Proceed
    • Can I trade with a Mutual Fund account?
    No, you cannot trade with a Mutual Fund account. However, to trade on securities listed on the NSE, you will be required to open a securities trading account by giving us a written instruction and filling the Direct Cash Settlement form which is a requirement to open a CSCS account.
    Can I invest in Mutual Funds or trusts accounts while having a securities account?
    Yes. You can invest in our Mutual Funds product or Trusts product by giving us a written instruction to open an account for the product of choice before you invest in the product.
    How do I view my account Holding statement?
    You can view your statement by following these steps:
  • visit investnow.ng
  • Click on my portfolio
  • Click on the type of account you have with us.
  • Click on view statement.
    • Equities Trading
    How do I trade using the investnow platform
    To trade live on the Investnow mobile App:

  • Log in
  • Click on the green + button where you will see Live Trading amongst other options.
  • Click on Live Trading
  • When the window to Select CSCS Account pops up, Click Select from below and select your name (which also includes your CSCS Number)
  • Click Submit
  • This leads you to the Live Trading page (during trading hours)
  • Select the stock you want to purchase/sell,
  • Input the quantity of the stock you intend to buy/sell.
  • Select the Order Type. You can choose either market price or specify Limit Price of your choice.
  • And then click on Buy/Sell as the case may be.
    • What does the error message ‘You do not have a valid CSCS account’ mean?
    This means that you do not have a CSCS account yet. If you just opened a securities account, please allow for 24 – 48 hours for your CSCS account to be opened.
    Will my proceeds from trading be paid directly into my account?
    Yes. Once you indicate to be paid directly into your bank account on the Direct Cash Settlement form, then proceeds of the trade will be paid directly into your bank account 3 working days from sale of stocks.
    I would like to buy shares and I am not sure what to do?
    For shares investment on the Nigerian Stock Exchange, you need to open a stock broking account with a stockbroker. Kindly download Investnow app (United capital’s investment portal) from apple app store or IOS store or use the web to get started. For any assistance contact designated customer service number on the platform
    How are dividends paid?
    Dividends are portions of a company’s profit at a particular financial period. In the Nigerian Stock Market, Dividends are paid twice in a year (Interim at half year) & (Final at year end).

    N.B: Please note that not all companies pay interim dividend, but most pay final dividend at the year-end of the financial year.
    Do I need to fund the account before indicating the shares I would like to purchase?
    Accounts must be funded to purchase stocks on the Nigerian Stock Exchange via our Online Portal called the InvestNow Platform.
    I bought shares a long time ago, how do I trace and get my dividend on them?
    Please visit the Investnow portal and click on the feature U-Trace. For more information, please contact our customer service team
    016317887