Built around how you want your money to work.

Three ways to hold capital with us. Choose by the horizon you have and the currency you need.

01

STIAM Money Market Note.

A short-term vehicle for capital you may need back at relatively short notice. Funds are allocated to money market instruments with the objective of preserving capital while earning more than a standard savings account.

Built for risk-averse investors. A minimum 90-day holding period applies.

Minimum initial investment
₦250,000
Tenor
90 days to a maximum of 1 year
Risk level
Low
Invest in this fund

  • Professional fund management

    Your capital is managed by our investment team to a written mandate, not left in a pooled account earning whatever the bank offers.

  • Mitigates concentration risk

    Funds are spread across multiple instruments and issuers, so no single counterparty failure determines your outcome.

  • Capital preservation

    The mandate prioritises the return of your principal over reaching for yield. Instruments are selected on credit quality first.

  • Stable returns

    Money market instruments produce predictable income, which suits capital you have earmarked for a known future commitment.

02

STIAM Fixed Income Note.

A strategic fixed-income product for medium to long-term capital appreciation, investing in high-quality naira bonds issued by government and corporate borrowers.

Suited to investors who can commit the capital for the full tenor in exchange for a higher return than the money market offers.

Minimum initial investment
₦10 million
Tenor
180 days to a maximum of 1 year
Risk level
Moderate
Invest in this note

  • Professional fund management

    Issuer selection and duration positioning are handled by our investment team, informed by our own published research.

  • Mitigates concentration risk

    Holdings span multiple issuers across government and corporate paper rather than concentrating in a single name.

  • Capital preservation

    High-quality issuers are selected on their capacity to meet obligations at maturity, not on headline coupon alone.

  • Appreciable returns

    The longer commitment and higher minimum are what fund the improved return relative to the money market note.

03

STIAM Fixed Income Dollar Note.

A dollar-denominated note investing in US dollar fixed-income assets issued by the Nigerian government and established domestic companies.

For investors who want their return held in foreign currency, it offers a hedge against naira devaluation.

Minimum initial investment
$10,000
Tenor
180 days to a maximum of 1 year
Risk level
Moderate
Invest in this note

  • Professional fund management

    Dollar assets are selected and monitored by the same investment team and the same research process as our naira mandates.

  • Currency devaluation hedge

    Both principal and return are held in US dollars, so the value of your investment does not move with the naira.

  • Lower entry barrier

    At $10,000 the note opens dollar fixed income to investors who would not meet the minimums on most offshore alternatives.

  • Competitive dollar returns

    Nigerian dollar-denominated paper typically yields above comparable developed-market instruments of similar tenor.

At a glance

Compare the terms.

All three are managed to a written mandate, with assets held at an independent custodian and statements issued on a fixed schedule.

01

STIAM Money Market Note SMM

Minimum
₦250,000
Tenor
90 days to 1 year
Currency
Naira
Risk level
Low

02

STIAM Fixed Income Note SFN

Minimum
₦10 million
Tenor
180 days to 1 year
Currency
Naira
Risk level
Moderate

03

STIAM Fixed Income Dollar Note SFDN

Minimum
$10,000
Tenor
180 days to 1 year
Currency
US dollar
Risk level
Moderate

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Investment Calculator

Enter an amount and a tenor to see an indicative return at current published rates.

Figures are indicative and shown before withholding tax. Interest on investment income is currently subject to 10% withholding tax, deducted at maturity. Rates are quoted on an annualised basis and calculated on actual days over 365. Your applicable rate is confirmed when your subscription is accepted, and rates change in line with market conditions. This is not an offer or a guarantee of return.

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Next step

Not sure which one fits?

Tell an advisor what the capital is for and when you need it back. We will tell you which note fits, or whether none of them do.

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