Introduction: A Journey Worth Investing In

DLM Asset Management: Picture yourself with a companion who not only provides you sound financial advice but also helps your money increase, much like magic beans in a fairy tale. Welcome to DLM Asset Management Limited (DLM AM), where we make financial ambitions a reality. DLM AM, a proud branch of the DLM Capital Group and a Securities and Exchange Commission of Nigeria-licensed company, is your financial ally, providing professional investment advice and complete fund management services. Whether you are a high net-worth individual (HNI), an ultra-high net-worth individual (UHNI), or a retail investor, we have solutions developed just for you. As an active member of the Fund Managers Association of Nigeria (FMAN), we are committed to quality and openness.

Let’s dive into our innovative products and discover how they can help you achieve your financial goals.

Fixed Income Fund: Your Secure Haven

Are you frustrated of seeing little return on your savings? Meet our Fixed Income Fund, the ideal starting place for every investor. With a minimum subscription of N10,000, this open-ended fund, governed by a trust deed, guarantees that your assets are secure and transparent.

Features that comes with a fixed income fund:

• No hidden charges.
• Investments in high-quality fixed income securities.
• Quick redemption of units within 24-48 working hours.
• Online access to monitor your fund’s performance.
• No penalty fees for redemptions after the first 90 days.
• Outperforms traditional savings accounts.

Benefits of opening a fixed income fund:

• Safety and Security: Invest in high-quality fixed income securities to keep your money safe.
• Liquidity: Access your funds within 24-48 hours.
• Transparency: No hidden charges and online monitoring.
• Higher Returns: Enjoy better performance compared to regular savings accounts.

Potential Return on Investment:

• Annual returns typically range from 5% to 10%, depending on market conditions and the quality of the fixed income securities in the fund.

Some use cases of a fixed income fund account opening:

1. Jane, a middle-income earner, seeks an emergency fund that is both accessible and offers higher returns than traditional savings accounts. Her money rises while staying easily withdrawable if necessary thanks to her investment in the Fixed Income Fund.2. Saving for a Down Payment: John aims to purchase a home in two years. He invests his assets in the Fixed Income Fund to achieve larger returns than a savings account without limiting his options for development.

I recall one of my aunties saving in a standard bank account for over a year only to see zero increase. However, if she had used a DLM’s Fixed Income Fund, her money would have been not only safe, but also much more profitable.

 

High Interest Investment Plan (HIIP): Reap Higher Rewards

Looking for higher returns? Our High Interest Investment Plan (HIIP) is your ticket to better investment outcomes.

Features:

• High yield investment opportunities.
• Fixed investment rates net of withholding tax.
• Flexibility to roll over investments upon maturity.
• No penalty for migrating to other plans at maturity.
• Tenured investments ranging from 30 to 365 days.

Benefits:

• Higher Returns: Earn more compared to traditional savings accounts.
• Flexibility: Roll over investments and switch plans without penalties.
• Fixed Rates: Know exactly how much you will earn, net of taxes.
• Varied Investment Durations: Choose an investment period that suits your financial goals.

Potential Return on Investment:

• Annual returns can range from 10% to 15%, based on the duration of the investment and prevailing interest rates.

Use Cases of high interest investment plan:

1. Maximising Short-Term Savings: Sarah aims to maximise the growth of her year-end bonus in six months. She invests in the HIIP for 180 days, taking advantage of greater interest rates without the danger of penalty if she decides to roll over her investment.2. Michael intends to purchase an automobile within a year. By investing in the HIIP for 365 days, he assures that his money accumulates a large interest rate, making his purchase more reasonable in the future.

I used to have a guy who deposited his whole 13th month bonus into a low-yield savings account, only to earn nearly no interest. However, if he was using the HIIP, his money could have been working harder for him, providing the financial boost he required.

 

Portfolio Management: Expert Guidance, Diverse Investments

Why worry about managing your finances when you can have specialists handle it for you? Our Portfolio Management service provides expert guidance for diversifying and growing your money.

Features:

• Diversification across various asset classes for better risk management.
• Access to top-tier financial advisory services.
• Both discretionary and non-discretionary advisory services.
• Detailed tracking and management of your investments.
• Quality research and investment information.

Benefits:

• Expert Management: Professional oversight of your investments.
• Risk Management: Diversified portfolio to mitigate risks.
• Comprehensive Services: Full range of advisory and management services.
• Informed Decisions: Access to high-quality research and information.

Potential Return on Investment:

• Returns can vary widely, typically between 7% and 20% annually, depending on the asset allocation and market performance.

Use Cases of portfolio managment:

1. Lisa, an HNI, aims to diversify her money across asset classes to reduce risk. DLM AM’s portfolio management services allow her to expertly balance her investments across shares, bonds, and other assets.2. Achieving Long-Term Financial Goals: David plans to establish a sizable retirement fund. He creates a diversified investment strategy with the assistance of DLM AM’s portfolio managers that is in line with his long-term objectives and risk tolerance.

Take any random individual you know who has a friend who is attempting to manage stocks, bonds, and real estate on his own and eventually becomes overwhelmed. DLM’s Portfolio Management provides you with piece of mind knowing that specialists are handling it for you.

 

Retirement Planning: Design Your Dream Future

Planning for retirement? Our experts will guide you in designing a future that aligns with your dreams.

Features:

• Own a diverse range of assets.
• Access the best wealth advisory services.
• Manage risks like longevity and investment risks.
• Organize and efficiently manage your assets.

Benefits:

• Future Security: Strategic planning ensures a comfortable retirement.
• Risk Management: Mitigate risks associated with longevity and investments.
• Diverse Investments: Balanced asset ownership for stability.
• Expert Guidance: Professional advice to navigate post-retirement life.

Potential Return on Investment:

• Returns typically range from 5% to 12% annually, influenced by the asset mix and market conditions.

Use Cases of retirement planning:

1. Emma, in her mid-30s, aims to retire early. By establishing a retirement plan with DLM AM, she may carefully invest in a diverse portfolio of assets that will increase over time, assuring a comfortable and secure early retirement.2. Post-Retirement Income Management: Robert, a recent retiree, wants to manage his resources to maintain a consistent income during retirement. With DLM AM’s retirement planning services, he may properly deploy his assets to deliver long-term income while managing risk.

Consider a circumstance in which some of your older relatives retired without a good plan and struggled financially due to late payments on their entitlements. However, with DLM’s Retirement Planning, one may simply live a calm and financially secure retirement life.

 

Target-Date Investment Plan: Discipline Your Savings

Achieve your financial goals with our Target-Date Investment Plan. Perfect for individuals and families, this plan helps you stay disciplined and focused on your objectives.

Features:

• Investments tailored to specific durations.
• Options for monthly, quarterly, half-yearly, and yearly plans.
• Personalized plans to meet your goals.
• Access to top-notch wealth advisory services.

Benefits:

• Financial Discipline: Structured savings plan to achieve goals.
• Customized Plans: Tailored investments to suit individual needs.
• Expert Advice: Access to wealth advisory services.
• Goal-Oriented: Focus on achieving specific financial milestones.

Potential Return on Investment:

• Returns depend on the investment horizon and can range from 6% to 15% annually, driven by the underlying investments and market trends.

Use Cases of target date investment plan:

1. Saving for Education: Using a frictional character, Mary and James save for their child’s university education in ten years. They may guarantee they have the appropriate cash when the time comes by investing in a target-date plan and following a disciplined savings strategy.2. Planning a Dream Vacation: Use another fictional character. Alex and his family hope to enjoy a dream vacation in five years. They may attain their objective without financial hardship by creating a target-date investing plan and saving on a regular basis.

Even family and friends who have saved irregularly for their children’s education but have ultimately fallen short owing to unforeseen situations. Making it tough to meet. However, had they adopted DLM’s Target-Date Plan, they would have been financially prepared for their children’s future.

 

Conclusion: Partner with DLM AM Today

DLM Asset Management(AM) Limited is committed to assisting you with the difficulties of investment. We give the tools and experience you need to safeguard your financial future, with a variety of solutions tailored to individual financial requirements and aspirations. Let’s work together to make your financial goals a reality. Contact us today to begin your path to financial success and security. Invest with DLM AM because your financial future deserves only the best.