Products Fixed Yield Note

A smarter way to save with higher returns

Fixed Yield Note delivers fixed, market-linked returns with customizable tenors from 90 to 360 days. Backed by top-rated NGN assets and governance-led oversight, it offers predictable, short-term income with strict credit controls.

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Highlights of Fixed Yield Note

Fixed-rate

Structured to pay a predetermined, non-variable interest rate either at maturity or upfront

Short-term

Comprised of 90–360 day instruments like treasury bills, commercial paper, and NDIC-insured fixed deposits

High-grade

Enforces a minimum issuer rating of A for non-bank assets and B for bank instruments with a 15% cap per issuer

Min entry

Requires a minimum investment of ₦5,000,000, designed for institutional rather than retail investors

Governance

Investment decisions and settlements are overseen by a pre-authorized committee under dual-control protocols

Fixed Yield Note is ideal for

Entrepreneurs

Entrepreneurs

Running revenue-generating businesses (₦100M+ or $250M–$1B annually) seeking secure income instruments to manage idle capital with low execution risk

Small and medium enterprises

Small and medium enterprises

With consistent cash flow and limited access to credit, seeking safe, short-term placements that preserve capital while earning fixed returns

Institutional and sip investors

Institutional and SIP investors

Operating within structured investment plans or institutional mandates that prioritize predictability, capital protection, and clearly defined return timelines

Why choose Fixed Yield Note

Fixed-rate returns

Structured to pay a predetermined, non-variable interest rate—either at maturity or disbursed upfront at the point of investment

High-grade instruments

Comprised of short-term domestic-currency assets such as treasury bills, commercial paper, and NDIC-insured fixed deposits within a 90–360-day tenor

Credit quality controls

Enforces a minimum issuer rating of ‘A’ for non-bank assets and ‘B’ for bank instruments, with a 15 percent exposure cap per issuer

Customizable tenor

Supports configurable investment durations, with a minimum of 90 days and a maximum of 360 days per tranche

Minimum entry threshold

Requires a minimum investment of ₦5,000,000, with no provision for smaller-scale or retail-level entry

Governance-led oversight

Investment decisions, issuer approvals, and settlements are managed by a pre-authorized committee under dual-control protocols

Investment terms & FAQs for Fixed Yield Note

Investment Terms

  • ₦5,000,000 minimum entry
  • 90 to 360 days tenor range (customizable per tranche)
  • Fixed returns paid at maturity or upfront
  • Clawback for early exits
  • Must be NGN-denominated
  • Minimum credit rating: ‘A’ for non-banks, ‘B’ for banks
  • Issuer exposure cap of 15% per entity
  • Open to accredited investors only (per SEC Nigeria guidelines)
  • Must meet AML/KYC requirements under Nigerian financial laws
  • All issuers must be pre-approved by Ficus’s Investment Committee.
  • Dual-authorization settlements

FAQs

The minimum investment required is ₦5,000,000. This threshold ensures that participants meet the capital scale and eligibility for the product class.

The note offers fixed interest returns, defined at the time of investment and paid either upfront or at maturity, depending on the structure.

Yes. Investors can select a custom tenor between 90 and 360 days, based on their liquidity preferences or treasury planning needs.

Yes, but early exits attract a 25% clawback on accrued interest. Investors are encouraged to commit for the full tenor selected.

While principal protection is prioritised through NDIC-insured and sovereign-backed instruments, the investment is not covered by a formal deposit insurance scheme.

The note invests in high-grade, NGN-denominated assets such as treasury bills, commercial papers, and insured fixed deposits from rated institutions.

All issuers are pre-vetted by Ficus’s Investment Committee. The note enforces strict credit-rating standards, exposure caps, and dual-authorisation settlement protocols.

Yes. Fixed Yield Note complies fully with SEC Nigeria investment guidelines and all applicable AML/KYC regulatory standards.

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