United Capital's full investment platform — mutual funds, stocks, fixed income and trusts in one SEC-regulated app.
All plans 1
PlanTypeRate p.a.LockMinEarly exit
Money Market FundFEATUREDUnit-priced · NAV — · offer — / bid — · dividends · low risk15.55% YTD, as of 24 Jun 2026 — historical, not guaranteed≈ 35.4% annual run-rate est. (low-vol only)
fund
Variableno fixed rate — measured by us
14 days
₦10,000
10% of accrued interest
Each tracked plan is tested with its own real-money deposit and ranks separately on the board. Untracked plans show the app's own advertised rate.
Best for
Investors who want a broad, SEC-regulated fund range — money market, bonds, balanced, equity, sukuk, dollar eurobonds — plus live NGX stock trading, all from one established manager (United Capital).
Not great for
Savers who want a simple guaranteed rate or instant access — these are variable, market-priced funds with holding periods and early-exit penalties, not deposit savings. Also not for small dollar budgets (some funds need ₦5m+).
Pros
- +Widest SEC-regulated fund shelf of any NG app under one roof — money market to equities to dollar eurobonds, plus direct NGX stocks
- +Backed by United Capital, an established Nigerian investment group with a real fund-management track record
- +Tax-free dividends on the mutual funds (no WHT/VAT) — a genuine edge over taxed savings
Cons
- –Not for capital preservation or instant access — funds are variable, can fall, and carry holding periods + early-exit penalties (10–20% of accrued interest)
- –High minimums on some funds (Stable Income ₦50m, Children Investment ₦5m) — not all retail-accessible
- –Returns quoted on inconsistent bases (YTD vs annual) and are not NDIC-insured (market risk)
Our honest take
The most complete fund shelf of any Nigerian app — money market through dollar eurobonds — with United Capital's credibility behind it. Best for deliberate investors who understand holding periods and market risk, not someone after a simple guaranteed savings rate. Mind the per-fund minimums and early-exit penalties.