Guaranteed Income Note (GIN)
Investment in diverse risk-free underlying securities - Federal Government of Nigeria (FGN) Bonds & Bills with competitive and guaranteed returns.
Below are some of the benefit of investing in Guaranteed Income Note
Our capital preservation strategy aims to prevent losses, maintain capital and keep pace with inflation.
We provide competitive returns on your investment based on market and portfolio performance .
we invest in different asset classes and securities in order to minimize the overall risk of the portfolio.
We will provide you with 24/7 access to your investment account through our web-portal
The Fund invests a 100% of its portfolio in money market instruments (such as treasury bills, commercial papers, banker’s acceptance e.t.c.)
30 days minimum holding period
The penalty for redeeming within the minimum holding period is 20% on the accrued income.
The minimum investment amount is N1,000,000.00
Stable and Guaranteed Income
Fill the Account Opening Form and email firstname.lastname@example.org with the following documentation. Please note that you are not required to make payment at this stage. Below is a list of items you are to submit with the subscription form;
One passport photograph for each applicant
A government issued identity card (national ID card, Driver’s license, International Passport, Voter’s card etc.)
Proof of address showing your name/surname
The account will be opened within one business day and your e-account number will be sent to you via email
Upon receipt of the e-account number, transfer the amount to be invested to the designated bank account (find below) using your e-account number as reference/remark etc.
Guaranteed Income Note is comparable to fixed deposit, simple product, Provides a guaranteed rate of return on principal invested in both Local (Naira) and Foreign currencies (US Dollars and British Pounds), for the pre-agreed tenor of investment, net of any redemption(s) or liquidation(s). Investment in asset are backed by the investment grade instruments typically Federal Government of Nigeria Treasury Bonds & Bills and Treasuries of U.S. governments.
We take the stress involved with directly negotiating and investing in financial instruments off your hands.
The product abides by its objectives and contract agreed.
There is the promise of safety of invested amount
it makes budgeting and planning simpler and easier as returns on investment is know right from the start.
: Investments are typically in assets backed by investment-grade instruments – typically Federal Government of Nigeria Treasury Bonds & Bills.
Investments can be made in Naira (N), US Dollars ($) and Great British Pounds (₤).
The return on the investment is guaranteed and competitive. It is fixed for the tenor of the investment.
The long term return on investment can be affected by inflation.
Most often associated with fixed-income investments, this is the risk that interest rates levels will rise higher than the rate your investment is locked-in at.
Individuals, Groups, Associations, Institutions etc. It can be used as a gift for new-borns, birthdays, child education, and endowment accounts.
Get in contact with our client service representative or any of our wealth managers to determine and agree tenor and rates of your investment.
Make a deposit into the Guaranteed Income Note account.
Submit the form, along with your KYC documents and proof of payment to any of our client service representatives or wealth managers.
You will need a copy of any nationally recognized proof of Identity, a copy of your utility bill and two passport photographs.
You will receive a confirmation of funds inflow and a contract note from AIICO Capital.
Minimum investable amount is N1,000,000
Yes, you can, with proper documentation and KYC requirements.
Yes, you can invest as frequently as possible.
Get in contact with your Relationship Manager or our client service representatives to determine and agree tenor and rate for the new investment and make a deposit into the G.I.N account.
This is not advisable as new terms need to be agreed to before investments are made.
No. payments can be made by transfer or cheque
No, you are advised not to pay physical cash to relationship managers.
You can invest for a minimum period of 30 days.
To liquidate your funds, you would be required to send an instruction for liquidation, in line with the mandate on your investment account.
Yes, 25% on the interest accrued from inception to the date of liquidation is charged on liquidations before maturity.
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They encompass an incredibly wide range of products from mutual-fund to fixed-income. Select a product that fit your investment startegy