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Products Dollar Investment Note

Hedge against Naira devaluation with dollar investments

With a $5,000 entry point and interest payments biannually, the Dollar Investment Note delivers stable and regular USD-denominated returns and protects your wealth from local-currency volatility.

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Highlights of Dollar Investment Note

USD protection

All investments and returns are in U.S. dollars, insulating you from local currency volatility and inflation

Biannual pay

Earn interest payments every 6 months.

Flexible tenor

Choose between 6-month and up to 5-year maturities to match your desired exposure

Dollar Investment Note is ideal for

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High Net-worth Investors (HNIs)

Looking to diversify beyond Naira assets and build currency resilience, or plan future dollar needs like education, healthcare, or travel, with investments that grow in the currency you’ll spend.

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Qualified Institutional Investors (QIIs)

Such as corporates with foreign supplier obligations, NGOs managing donor funds, and institutions seeking to hedge currency exposure while earning competitive USD-denominated yields.

Why choose Dollar Investment Note

Minimal Investment Outlay

For as little as $5,000, investors can have access to securities that typically require a minimum outlay of $200,000

Diversification

Hedge against Naira depreciation

Match USD-denominated obligations

Interest paid can be used to cover future USD denominated obligations

Competitive returns

Returns are better than USD domiciliary accounts or USD fixed placements

Investment terms & FAQs for Dollar Investment Note

Investment Terms

  • $5,000 minimum initial investment
  • Additional investment in $1,000 increments although subject to tranche availability
  • 6 months to 5 years, matched to underlying security and maturity
  • Biannual interest payments
  • Reinvestment option at prevailing market rates
  • 180-day minimum holding period
  • 25% penal charge for exit before 180 days

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

    Mitigation Strategy: We will invest only in sovereign/corporate issuers with minimum ‘B’ FCY ratings. We will maintain a 10% issuer cap to mitigate concentration risk.

  2. FX Risk: The risk of incurring financial losses due to fluctuations in exchange rates between currencies (i.e. USD-Naira)

    Mitigation Strategy: The USD-denominated structure of the Note minimizes direct exposure to Naira fluctuations

  3. Liquidity Risk: The possibility that an instrument is not tradeable in the secondary market

    Mitigation Strategy: We will focus on large-issue Eurobonds (>$500 million) with an active secondary market.

FAQs

Yes

Yes, after the first 180 days but, this will incur a penalty charge of 25% from accrued interest.

It depends. It is subject to the availability of securities matching the requested maturity

Early exits are permitted after 180 days but will incur a 25% clawback on accrued interest and are processed on a best-effort basis.

Yes, the Dollar Investment Note is registered with the Securities and Exchange Commission, Nigeria

Yes, through regular reports/statements, and directly through your digital client portal.

Dollar Investment Note is registered with the Securities and Exchange Commission, Nigeria.

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