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Products Liquid Assets Portfolio

Capital protection without compromising returns earned

Liquid Assets Portfolio preserves your capital while earning market-linked returns from investment grade money market instruments. Designed for investors who require current income.

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Highlights of Liquid Assets Portfolio

Income

Quarterly interest payments with the option of reinvesting into the current incomes

Liquidity

Free entry and exit after 60 days of initial investment, without incurring penalty charge

Stable

Your portfolio is diversified across investment grade short-term securities and issuers to optimize risk

Competitive

Your liquid assets portfolio is targeted for quarterly distributions, with the option to reinvest

Low risk

Returns generated from investing in low risk, investment grade money market securities. (Classified ‘investment-grade’ by a SEC-registered ratings agency (Agusto and Co, Datapro Limited, and Global Credit Rating))

Liquid Assets Portfolio is ideal for

High-net-worth individuals

High-net-worth individuals

Seeking accessibility and competitive returns. Whether you’re parking cash, building an emergency fund, or managing short-term reserves, your money never sits idle with Liquid Assets Portfolio.

Qualified Institutional Investors (QIIs)

For corporate treasurers and systematic investment plans seeking liquidity for short-term obligations, stronger interest income, and disciplined, risk-managed investing.

Why choose Liquid Assets Portfolio

Flexibility

After the initial 60 days, your investment enjoys the accessibility of a current account and accrues daily interest like a fixed deposit

Distribution

Quarterly interest payment with the option of reinvesting

Diverse asset base

Funds are diversified across investment grade commercial papers, Nigerian treasury bills (NTBs), bankers’ acceptances, and other qualifying assets approved by CBN

Lock-in Period

This 60-day commitment ensures portfolio stability, cost efficiency, and maximizes returns by allowing for higher yield investments

Investment terms & FAQs for Liquid Assets Portfolio

Investment Terms

  • ₦20,000,000 to start
  • Maximum tenor: 360 days
  • 60 days holding period for initial investment

  1. Credit Risk: Possibility that an issuer will default before the instrument reaches maturity.

    Mitigation Strategy: Only NGN-denominated instruments; minimum credit rating of ‘B’ for banks and ‘A’ for non-banks; internal credit reviews

  2. Concentration Risk: The possibility of overexposure to a single issuer or security

    Mitigation Strategy: 15% single-issuer cap; Real-time monitoring of issuers and sector allocation

  3. Liquidity Risk: The possibility that an instrument is Illiquid in the secondary market

    Mitigation Strategy: Portfolio laddering; minimum 5% allocation to near-cash instruments; preference for liquid instruments; in-house credit screening.

  4. Interest Rate Risk: The possibility that an instrument’s price will fall with rising interest rates

    Mitigation Strategy: Maximum portfolio tenor of 366 days; duration-controlled portfolios with ≤120-day weighted average maturity.

  • Full AML/KYC verification required
  • Operates under SEC Nigeria and CBN regulations
  • All issuers pre-approved by Ficus Investment Committee

FAQs

Liquid Assets Portfolio is for High net-worth individuals and qualified institutional investors.

Yes. Liquid Assets Portfolio is registered with the Securities and Exchange Commission, Nigeria

Yes you can. The 60-day holding period only applies to your initial investment.

Interest payments are made quarterly.

According to the SEC Nigeria, a QII is a large financial institution investing on behalf of others, sometimes also including high-net-worth individuals meeting specific criteria, allowing them access to investments not available to the general public. QIIs include entities like banks, fund/portfolio managers, pension funds, insurance companies, stockbrokers, trustees/custodians, private equity firms, and employee investment schemes.

According to the SEC Nigeria, a HNI is as an individual with an aggregate net worth of investment assets exceeding N100 million, excluding primary residences or personal property, who also possesses the expertise for high-risk investments, allowing them access to different investment opportunities than retail investors

Liquid Assets Portfolio is registered with the Securities and Exchange Commission, Nigeria.

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