Our Products
STIAM Products
1: STIAM MONEY MARKET NOTE
The STIAM Money Market Note, or "SMM," is a short-term investment vehicle designed to deliver capital preservation and consistent wealth appreciation by allocating funds to specific financial instruments. Targeting risk-averse investors looking for superior returns compared to standard savings accounts, SMM mandates a minimum 90-day holding period. The Note offers a predetermined fixed-rate return agreed upon with the investor, with the portfolio manager furnishing a weekly rate guide to assist investors in selecting the appropriate product category and duration within the note.
Risk level: Low
Benefits:
- Professional fund management
- Mitigate against concentration risk by diversifying across assets.
- Capital preservation of funds
- Stable return on investment
Investment Terms:
- Minimum initial investment: N1 million
- Tenor starts from 90 days to a maximum period of 1 year.
2: STIAM FIXED INCOME NOTE
This is a strategic fixed-income investment product tailored for medium to long-term capital appreciation. It invests in high-quality local-currency bonds from various issuers, such as governments and corporations. SFN is appropriate for investors with medium risk tolerance and long-term investment goals, aiming to enhance their overall quality of life by building lasting wealth. The product provides a pre-agreed fixed rate return customized to suit clients' liquidity needs, time horizon and investment objectives, ensuring a high level of satisfaction for subscribers.
Risk level: Moderate
Benefits:
- Professional fund management
- Mitigate against concentration risk by diversifying across assets.
- Capital preservation of funds
- Appreciable return on investment
Investment Terms:
- Minimum initial investment: N10 million
- Tenor starts from 180days to a maximum period of 1year
- Interest payments are made promptly
3: STIAM FIXED INCOME DOLLAR NOTE
The STIAM Fixed Income Dollar Note (SFDN) is a dollar-denominated investment option specialising in US Dollar fixed-income assets from the Nigerian government and reputable domestic companies operating within Nigeria. For investors seeking protection of their earnings in foreign currency, the product is ideal as it offers a hedge against local currency devaluation. It also permits access to global financial markets through USD-denominated products, enabling investors to capitalise on global opportunities to grow their wealth.
Risk level: Moderate
Benefits:
- Professional fund management
- As a hedge against exchange rate risk from local currency devaluation.
- Allows investment in units to remove the high entry-level barrier in USD-denominated securities.
- Competitive returns on investment compared to interest on the domiciliary bank account.
Investment Terms:
- Minimum initial investment: $ 10,000
- Tenor starts from 180 days to a maximum period of 1 year
- Allows investment in units to remove the high entry-level barrier in USD-denominated securities.
