For clients on our Invest now portal: Kindly visit www.investnow.com.ng/ to reset your password on your profile.
For clients that are not on the Invest Now portal: Kindly send a mail to Customerservice@unitedcapitalplcgroup.com requesting for a password reset or your log in details.

You can now open an account from our portal online. Alternatively,

A mutual fund (or unit trust) is an investment vehicle that pools the money of many individuals to invest in stocks, bonds, money market securities, real estate or some combination of these.

Think of a mutual fund like a basket of investments which is managed by our Fund Manager, who professionally manages the funds and spreads it on stocks, money markets, bonds and real estate.

• Enjoy easy entry and easy exit (open ended)
• Enjoy redemption by managers within 5 days
• Dividend paid is tax exempt
• Professional expertise and management by the Fund Manager

The minimum initial amount that can be invested is N10,000.

The minimum subsequent amount that you can invest is N1,000.

Yes, you can invest for your children and relatives. Moreso, you can have minors accounts linked to your personnal account and easily manage them all from a single login until such a time when they are grown and their accounts can be released to them.

Fill in our online subscription form or you can visit any of our offices in Lagos, Port Harcourt and Abuja.

You can now view your statement online in your portfolio as well as download same for your personal use. Simply request for your InvestNow login detail and have your account activated

You can do this by simply clicking on the redeem or liquidate link underneth the specific portfolio you wish to redeem from. Enter the amount you wish to redeem and click on the redeem button to complete.

This service offers investors attractive and predictable return on their investments for tenors ranging from 30 to 365 days with an investment of N100, 000.

• Safety of Capital
• Fixed predictable rate of return
• Liquidity
• Competitive return
• No Withholding Tax on earned interest
• Pre-liquidation is allowed subject to a penalty of 20% on earned income.

Yes you can. With InvestNow, you can trade on your account in realtime once the market is open.

The registrars send your dividend directly to your address or you can request for an e-dividend payment, here.

Kindly send a mail to Customerservice@unitedcapitalplcgroup.com requesting to merge your CSCS account.

Kindly send a mail to Customerservice@unitedcapitalplcgroup.com requesting for your outstanding certificates /dividend warrants.

Kindly send a mail to Customerservice@unitedcapitalplcgroup.com requesting for inter- member transfer.

The proceed from the sale of your shares/equities goes into your preferred bank account stated on your sales mandate. You can send a mail to our customer service mailbox, customerservice@unitedcapitalplcgroup.com

1. Passport photo.
2. Scanned utility Bill
3. Scanned mode of identification (National identity Card, International Passport, Voter Card, Driver’s License)4. Your bank details, including name, address, account number and BVN number
5. Zero balance

Access to quality research information, investment views on recommended stocks to buy, sale or hold, excellent trade execution and client management.

1. Securities and Exchange Commission (SEC) Fee -0.300% of the consideration
2. Stamp duty on the Contract Notes -0.075% of the consideration
3. CSCS fee -0.00%
4. CSCS Alert fee -N4per Transaction ticket
5. Vat on CSCS -5% of CSCS fee
6. Broker’s Commission -1.00% of consideration for online trades and 1.35% for sending mandates via email
7. Vat -5% of commission

1.35% of transaction value

No, they are not.

Yes, but at a fee. However, clients are encouraged to complete e-bonus and e-dividends forms in order to forestall any accumulation of certificates and stale warrants

This is the process of conversion of paper certificates to electronic certificates to facilitate trading in the shares on the Nigerian Stock Exchange.

Approach us our Stockbroker with the certificates, sign the stock transfer form and collect a script receipt as evidence of deposit. The Broker processes it by sending to the relevant Registrar for verification and dematerialization

You would need to open a stockbroking account, attach a completed full dematerialization form /share transfer form to the certificate for onward dispatch to the registrars

You would need to open a stockbroking account, attach a completed full dematerialization form /share transfer form to the certificate for onward dispatch to the registrars

Nigerian Treasury Bills (NTB) are short-term government debt securities issued by the Central Bank of Nigeria (CBN) on behalf of the Federal Republic of Nigeria (FGN) to finance government expenditure. They are also primary market instruments for regulating money supply via Open Market Operations (OMO). They can be sourced via the Primary or Secondary market.

• Tenors of 91,182 and 364 days are available through the primary and market.
• They are issued at discount to their face value.
• Interest is payable upfront.
• Tax free income: Income is not subject to withholding tax
• Free from default risk: repayment is guaranteed at maturity
• Collateral for borrowing: used as collateral to raise funds
• Easily re-discounted to provide cash
• Tradable in the secondary market.

• Federal Government of Nigeria (FGN) Bonds are long term debt obligations of the Federal Government of Nigeria. They are administered by the Debt Management Office of Nigeria (DMO) and the Central Bank of Nigeria is the Registrar to the Bonds. In 2006, the DMO through the licensing of Primary Dealers Market Markers (PDMMs), made secondary market trading of the FGN to be more vibrant. The primary function of the PDMMs is to create liquidity in the FGN Bonds through the two-way quote market • FGN bonds are issued with tenors of 3, 5, 7, 10 and 20 years and can be acquired at primary and secondary markets • Interest is paid semi-annually to bond holders. The coupon rate will depend on the initial yield fixed for the fresh issue of the bond and this runs throughout the life span of the bond.

• Interest is paid semi-annually to bond holders. The coupon rate will depend on the initial yield fixed for the fresh issue of the bond and this runs throughout the life span of the bond.

A Will or a Testament is a legal declaration by which the Testator, names one or more persons to manage his/her estate and provides instructions for the transfer of his property and assets at death.

• The Testator/Testatrix: person who specifies that the Will be created, but it may be set up in abeyance during the person’s lifetime.


• The Trustee: whose duty is to carry out the terms of the Will. He or she may be named in the Will, or may be appointed by the Probate Court handling the Will.


• The Beneficiary(s): who will receive the benefits under the terms of the Will;


• The Executor/Co Executors : Persons appointed by the Testator/Testatrix to carry out the wishes expressed in his or her will.


• (RSA)- Retirement Saving Account: is a dedicated account opened with a Pension Fund Administrator as specified under Section 11 of the Pension Reform Act of 2014.

You should write a Will right now because no one knows what tomorrow holds. A person should review his estate plan occasionally, especially after certain events, such as marriage, divorce, life changing illness and winning the lottery.

The Will must be in writing, signed by the person whose Will it is (the “Testator“) and witnessed by two persons.
The testator normally must have attained the age of majority, and must be of “sound mind” at the time the Will is executed.
The witnesses normally MUST be “uninterested persons,” meaning they’re not beneficiaries of the Will. Witnesses also must be competent persons.
A Will should be stamped and lodged in the Probate Court.

Almost everyone needs a Will. If you have anything of value and want it in the hands of your loved ones, you should definitely consider writing a Will.

United Capital Trustees can assist in drafting, stamping and lodging your Will with the appropriate authorities. We will provide you a copy and retain a copy in our custody.

A new Will or a “codicil” can be executed to replace the old one. It is usually advisable to change your Will on the birth, death, divorce or an occurrence of a major event in your life

Yes, Our expertise is not just limited to drafting of Wills but also executing the will and acting as Trustees.

Yes. This is another valuable benefit that a Will can provide for minors, children below 18 years old and/or children in full time education until the age of 21 years. A Guardian can work together with the Trustees to fulfill the overall intention of the Will.

A person contests a Will by completing the relevant documents with the Probate Court. The person contesting the Will is usually an “interested” person, that is, he/she must be an heir under the Will or at law. There are time limits for contesting a Will.
You must have grounds to have a chance of successfully contesting a Will. Unhappiness with the proposed distribution of property is not a valid ground. Valid grounds such as Incapacity, fraud, undue influence and duress are the most common grounds.

Once the Testator is dead and buried; the family together with United Capital Trustees (if appointed Executors to the Estate) will provide notice of probate to all interested parties and Beneficiaries. The “reading the Will” shall be scheduled, and the interested parties can obtain a copy of the Will from the Probate Court. After this, we will oversee the distribution according to the Testator’s wishes.

Duties will include:

• Giving the proper notices to the proper parties
• Collecting all the deceased’s property
• Receiving claims against the Estate
• Paying just claims and disputing others
• Distributing the estate property according to the Will
• Along the way there may be other necessary actions, like selling estate property to cover debts or allow for proper distribution.

Your family members will have to apply for Letters of Administration.

Yes, you will be able to subscribe in your individual capacity through the simple Will via the InvestNow Platform

So that the Testator’s affairs can be legally concluded. If there are assets, legal authority is required by the Executors and Trustees to transfer the property to the beneficiaries.