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Products Fixed Yield Note

A smarter way to save with higher returns

Fixed Yield Note delivers fixed, market-linked returns with customizable tenors from 90 to 360 days. Backed by top-rated NGN assets and governance-led oversight, it offers predictable, short-term income with strict credit controls.

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Highlights of Fixed Yield Note

Fixed-rate

Structured to pay a predetermined, fixed interest rate either at maturity or upfront

Short-term

Maturity ranging from 90-360 days. Choose investment periods that match your financial goals, from short-term commitments to longer-horizon planning

Low-risk

Invests in low risk, investment grade money market securities

Flexible Interest

Interest can be paid upfront or at maturity.

Fixed Yield Note is ideal for

retail-investor

Retail Investors

Retail investors with ₦100,000+ who’ve outgrown basic savings accounts and want guaranteed high yield returns.

HNIs

High-net-worth individuals seeking to park significant capital in predictable, low-maintenance instruments that deliver steady returns.

Institutional and sip investors

Institutional Investors

Corporates, pension funds, and institutions managing cash reserves for financial planning, regulatory compliance, and balance sheet certainty.

Why choose Fixed Yield Note

Predictable

Fixed interest rate throughout the duration of the investment. Interest can be paid at maturity or upfront.

Minimal Investment Outlay

With as little as ₦100,000, you can have a fixed rate investment.

Flexible Maturity

Maturity can be structured between 90 days and 365 days.

Capital Protection

The Fixed Yield Note is designed to protect initial capital by investing in low-risk investment grade securities.

Investment terms & FAQs for Fixed Yield Note

Investment Terms

  • ₦100,000 minimum entry
  • Tailored to the maturity of the underlying instrument
  • Fixed returns paid at maturity or upfront

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

    Mitigation Strategy: We will invest only in issuers with min. ‘B’ rating (banks) or ‘A’ (non-banks)

  • Market Risk: The risk that an instrument’s value will fluctuate with changing market conditions

    Mitigation Strategy: We will restrict investments to hold-to-maturity money market instruments to minimize market value fluctuations

  • Liquidity Risk: The possibility that an instrument is Illiquid in the secondary market

    Mitigation Strategy: Max 365-day tenor; staggered maturities.

  • Full AML/KYC verification required
  • Operates under SEC Nigeria and CBN regulations
  • All issuers pre-approved by Ficus Investment Committee

FAQs

The minimum investment amount is ₦100,000.

Depends on client’s preference although, the note offers fixed returns, clearly defined at the start of the investment and paid either upfront or at maturity.

Yes, you can. Investors can select a custom tenor between 90 and 360 days

Yes, but early exits attract a 25% penalty on accrued interest.

Yes. The Fixed Yield Note is registered with the Securities and Exchange Commission, Nigeria.

Yes it is. The Fixed Yield Note is designed to preserve capital by investing in investment-grade money market securities.

Fixed Yield Note is registered with the Securities and Exchange Commission, Nigeria.

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