Education
AllocationHow your money
is deployed
Every naira you commit is split across three investment buckets according to a fixed ratio written into the partnership deed. Here is the logic behind the 40-40-20 framework.
The 40-40-20 allocation
Treasury bills, high-yield savings, and money market funds
Dividend stocks, REITs, and income assets
Private equity, startups, and agriculture
Inside each bucket
Defensive
Treasury bills, high-yield savings, and money market funds
- 91-day Treasury Bills
- Money market funds
- High-yield savings
Growth
Dividend stocks, REITs, and income assets
- NGX dividend stocks
- Real Estate Investment Trusts
- Income equity assets
Opportunistic
Private equity, startups, and agriculture
- Private equity stakes
- Agricultural value chains
- Structured debt instruments
How your units grow
Commit monthly
On the 5th of each month, ₦20,000 leaves your account and enters the fund.
Units are bought at NAV
Your contribution buys units at the current net asset value per unit. The unit price reflects the blended performance of all three buckets.
Returns are reinvested
Dividends from equities and REITs are reinvested at the end of each quarter, increasing your unit value rather than paying out cash.
Exit at market value
After 60 months, your units are redeemed at the current NAV. Early exit is available with a 10% fee — see the risk policy for details.
Understand the full risk picture
The allocation strategy reduces risk through diversification — but it does not eliminate market risk. Read the risk policy before committing.