Fixed Deposit
Guaranteed Income Note (GIN)
Investment in diverse risk-free underlying securities - Federal Government of Nigeria (FGN) Bonds & Bills with competitive and guaranteed returns.
This Fund aims to achieve both stable income generation and capital preservation by investing 100% of the portfolio assets in high quality securities such as Bonds, Treasury Bills, Commercial Papers and other money market instruments that are rated “BBB” and above.
Invest NowFeatures
Benefit of Investing
Below are some of the benefit of investing in Guaranteed Income Note
Capital Preservation
Our capital preservation strategy aims to prevent losses, maintain capital and keep pace with inflation.
Competitive Returns
We provide competitive returns on your investment based on market and portfolio performance .
Portfolio Diversification
we invest in different asset classes and securities in order to minimize the overall risk of the portfolio.
Online Access
We will provide you with 24/7 access to your investment account through our web-portal
- Highlights
- Benefits
- How to invest
- FAQ
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
Simplicity
Transparent
Capital Preservation
Stable and Guaranteed Income
Security
Fill the Account Opening Form and email [email protected] 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.
Simplicity
We take the stress involved with directly negotiating and investing in financial instruments off your hands.
Transparent
The product abides by its objectives and contract agreed.
Capital Preservation
There is the promise of safety of invested amount
Stable and Guaranteed Income
it makes budgeting and planning simpler and easier as returns on investment is know right from the start.
Security
: 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.
Inflation
The long term return on investment can be affected by inflation.
Interest-Rate Risk
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.
No.
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.
Downloads
FORMS AND DOWNLOADS
| AMMF Subscription Form | Mutual Fund | 30 06 2021 | ||
| ABF SUBSCRIPTION FORM | Mutual Fund | 30 06 2021 | ||
| INDIVIDUAL ACCOUNT OPENING FORM | Mutual Fund | 30 06 2021 | ||
| EMAIL INDEMNITY FORM | All Products | 30 06 2021 | ||
| CRS Individual Self-Declaration Form | Regulatory | 01 01 2022 | ||
| CRS Corporate Self-Declaration Form | Regulatory | 01 01 2022 | ||
| AIICO Euro Bond Subscription Form | Mutual Fund | 26 02 2024 |
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