Products Dollar Investment Note

Build inflation immunity with dollar investments

With a $5,000 entry point and biannual interest payments, the Dollar Investment Note delivers stable USD returns and shields your wealth from local-currency volatility. Access premium sovereign and corporate Eurobonds with institutional-grade credit controls.

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Highlights of Dollar Investment Note

USD protection

All investments and returns are in U.S. dollars, insulating you from local currency volatility and inflation

$5K entry

Minimum investment of $5,000, with options to top up during the term and rollover at maturity.

Biannual pay

Earn interest payments every 6 months.

Flexible tenor

Choose between 6-month and up to 5-year maturities to match your desired exposure

High-grade USD bonds

Invest only in high-grade corporate USD bonds rated B or higher

Dollar Investment Note is ideal for

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Enterprises

Businesses earning in hard currency and looking to reinvest surplus dollars into secure, interest-bearing instruments with institutional oversight

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Private HNIs

High Net Worth Investors (HNIs) with excess liquidity aiming to preserve value and earn in dollars amidst local inflation and FX uncertainty

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Institutional Investors

Groups and alliances seeking to store value in USD assets that offer protection from inflation and consistent income over time

Why choose Dollar Investment Note

USD-denominated structure

All investments and returns are in U.S. dollars, insulating your assets from local-currency volatility and inflationary depreciation

Minimum investment

Participate with a $5,000 threshold, with additional reinvestments allowed in $1,000 increments subject to tranche availability

Biannual interest payments

Interest is paid twice per year based on the underlying bond’s schedule, with the option to reinvest at prevailing market rates

Flexible tenor range

Tenor is matched to the maturity of the underlying USD bond, offering flexibility between six months and five years of exposure

Competitive returns

Unlike USD domiciliary accounts that earn little to no interest, the Dollar Investment Note generates attractive returns through strategic investments in high-grade USD bonds

Issuer concentration limit

Caps exposure at 10 percent to any single issuer, maintaining credit diversification and managing counterparty risk

Investment terms & FAQs for Dollar Investment Note

Investment Terms

  • $5,000 minimum entry
  • Additional reinvestments allowed in $1,000 increments, subject to tranche availability
  • 6 months to 5 years, matched to underlying bond maturity
  • Biannual interest payments
  • Reinvestment option at prevailing market rates
  • 180-day minimum holding period
  • 25% penal charge for exit before 180 days
  • USD-denominated
  • Minimum foreign currency issuer rating of B (sovereigns and corporates)
  • 10% issuer exposure cap
  • Open to accredited investors only (under SEC Nigeria and global standards)
  • Full AML/KYC adherence via CBN-approved USD funding channels
  • Underlying securities must be eligible USD bonds
  • All issuers vetted by Ficus Investment Committee

FAQs

Returns are delivered as fixed, biannual coupon payments based on the underlying bond’s interest schedule. Rates vary by tranche.

Yes. Tenor options range from 6 months to 5 years, depending on the selected tranche and the underlying bond’s maturity.

The note invests in USD-denominated bonds issued by African sovereigns and corporates with minimum foreign currency ratings of B. While not guaranteed, principal protection is a core objective.

{/* ### Are coupon payments subject to tax? No. The Ficus Dollar Investment Note offers tax-exempt coupon payments, allowing investors to retain full interest income. */}

Early exits are permitted after 180 days but will incur a 25% clawback on accrued interest and are processed on a best-effort basis.

{/* ### What type of bonds does the note invest in? The note holds fractional exposure to actively traded USD Eurobonds with a minimum issue size of $500 million, ensuring liquidity. */}

Yes. The product complies with SEC Nigeria guidelines and all global AML/KYC standards applicable to USD investment vehicles.

Yes, through regular reports/statements, and directly through your digital client portal.

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