Products Liquid Fund

Prioritize capital security and build profits

Liquid Fund safeguards your capital while earning competitive, market-linked returns through short-term government securities and high-grade money market instruments. Designed for stability-focused investors, it offers quarterly liquidity, low entry requirements, and strict capital preservation.

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Highlights of Liquid Fund

Low-risk

Low-risk, tax-free returns from government-backed, short-term securities

Quarterly

Quarterly liquidity with same-day access after a 60-day holding period

Flexible

Flexible from ₦100,000 with ₦5,000 top-ups

Stable

Capital preservation via strict credit standards (A/B issuer rating)

Liquid Fund is ideal for

High-net-worth individuals

High-net-worth individuals

Seeking low-risk, short-term options that preserve capital and deliver predictable, tax-free returns

Corporate treasurers & finance managers

Corporate treasurers

Need a secure home for idle operational funds—earning better yields than savings accounts while meeting cash-flow demands

Professionals & emerging investors

Professionals & emerging investors

Building portfolios with modest capital, they want stability, expert oversight, and straightforward access to money-market returns

Why choose Liquid Fund

Floating-rate returns

Variable yields linked to prevailing market rates, repricing in line with interest-rate cycles

Diverse asset base

A balanced blend of short-term NGN instruments—treasury bills, commercial paper, and repos—capped at 366-day maturity

Systematic contributions

Supports disciplined SIP-style funding at regular intervals, ensuring consistent, market-aligned entry

Maturity cap

Weighted average portfolio maturity capped at 120 days to limit rate exposure and safeguard liquidity

Holding-period safeguard

Mandates a 60-day minimum retention window; early withdrawals incur a proportional interest clawback to protect principal

Liquidity buffer

Maintains a 5% allocation to near-cash instruments, ensuring redemption requests are met without disrupting core assets

Low barrier to entry

Begin investing with ₦100,000 and top up in ₦5,000 increments to build wealth steadily without a large upfront commitment

Quarterly liquidity

Receive interest payments every quarter and access funds after 60 days, with only a modest clawback on early withdrawals

Capital preservation first

Invest in top-rated NGN instruments under strict credit standards to safeguard your principal at all times

Market-linked returns

Benefit from floating yields that adjust with prevailing rates, providing returns that outperform standard savings options

Diversified allocation

Blend government bills, commercial paper, and repos to achieve an optimal balance of safety, yield, and liquidity

Investment terms & FAQs for Liquid Fund

Investment Terms

  • ₦100,000 to start, with ₦5,000 top-ups
  • Maximum maturity: 366 days
  • Weighted average maturity capped at 120 days
  • 60-day minimum holding period (early withdrawals incur proportional clawback)
  • Quarterly interest payments, with optional reinvestment
  • NGN-denominated instruments only
  • Minimum issuer rating: A for non-banks, B for banks
  • Maximum 15% exposure to any single issuer
  • Full AML/KYC verification required
  • Operates under SEC Nigeria and CBN regulations
  • All issuers pre-approved by Ficus Investment Committee
  • Dual-authorization settlement processes

FAQs

Liquid Fund is open to qualified individuals, institutional investors, and SIP participants meeting all AML/KYC requirements.

Yes. The fund operates under SEC Nigeria and CBN guidelines and adheres to all required AML/KYC standards.

While designed for capital preservation through strict risk controls, the fund is not insured by NDIC.

Withdrawals are available after a 60-day holding period. Early exits incur a proportional interest clawback.

Returns are calculated daily and paid quarterly. You can choose to reinvest your interest or withdraw it.

Yes. SMEs, corporates, and institutional clients can invest to manage idle capital and earn predictable returns.

Secure online access lets you view performance, statements, and manage reinvestments at any time.

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