INVESTMENT

OUR INVESTMENT PRODUCTS

Non Collective Investment Scheme

NON - COLLECTIVE INVESTMENT SCHEME PRODUCTS

PRIVATE INVESTMENT PLAN
Our Investment Plan is a private investment plan designed to make it easier for individuals and businesses to invest and grow their funds, ultimately creating wealth. The plan offers interest rate around the prevailing market rates for similar products in the financial market.

The Lustrous Leverage Private Investment Plan provides both stable income generation and capital preservation to potential investors by creating channel to invest in high quality short-term securities (such as Treasury Bills, Commercial Papers, Promissory Nores, and Placements that are rated “BBB” and above) and long-term securities (such as FGN Bonds, State Bonds, and Corporate Bonds that are rated “BBB” and above). The Investment plan is a non collective scheme and is open to all investors. The underlying assets are subject to applicable statutory withholding tax. The features include:

  • It is a non collective scheme
  • The plan invests in high quality short-term and long-term securities such as Treasury Bills, Commercial Papers, Promissory Nores, Placements, FGN Bonds, State Bonds, and Corporate Bonds that are rated “BBB” and above
  • The minimum investment amount is N100,000.00, and multiple of N50,000.00
  • The plan has a 91-day minimum holding period
  • The management fee is 1.0% from the investment return or yield
  • The penalty for redeeming within the minimum holding period is 30% on the accrued income

COLLECTIVE INVESTMENT SCHEME PRODUCTS

MUTUAL FUND
Our Mutual Fund is a private money market fund and a pooled investment product that allows individuals, businesses and institutional investors regardless of their income, risk appetite and investment goal to invest in a collective scheme towards growing their funds and ultimately creating wealth. The fund is suitable for investors who desire to make disciplined regular investments towards future financial goals.

The Lustrous Mutual Fund aims to achieve both stable income generation and capital preservation by investing 100% of the portfolio funds in high quality short-term securities such as Treasury Bills, Commercial Papers and Fixed Deposits that are rated “BBB” and above. The Fund is an open-ended Unit Trust Investment Scheme and is open to all investors. The underlying assets are subject to applicable statutory withholding tax. The features include:

  • It is an open-ended fund
  • The Fund invests 100% of its portfolio in money market instruments (such as treasury bills, commercial papers, fixed deposit etc.).
  • The minimum investment amount is N50,000.00, and multiple of N20,000.00
  • The Fund has a 30-day minimum holding period
  • The risk profile for the fund is “Conservative” (The Fund is for investors with low-risk appetite)
  • The management fee is 1.5% per annum, and the incentive fee is 20% of excess return above the hurdle/benchmark rate
  • The penalty for redeeming within the minimum holding period is 20% on the accrued income

Benefits

  • Competitive returns
  • Capital preservation
  • Diversification of portfolio
  • Risk mitigation
  • Professional fund management
  • Fund can be used to access our loan
LEVERAGE FUND
Our Leverage Fund is a private pooled investment scheme that allows individuals and institutional investors, based on their income, risk appetite and investment goals, to invest in a collective scheme, towards growing their funds and ultimately creating wealth. The fund is suitable for investors who desire to make aggressive or modest investments towards future financial goals. The Fund is in two variants. The Aggressive Leverage Fund and Balanced Leverage Fund. The Aggressive Fund (for investors with high-risk appetite) offers higher returns to investors relative to the Balanced Fund (for investors with moderaterisk appetite).

The Lustrous Leverage Balanced Fund aims to provide stable capital appreciation by investing a minimum of 20% and maximum of 20% in equities; a maximum of 60% in money market instruments, a minimum of 20% in fixed income instruments, and a maximum of 20% in risk assets. The Fund is an openended Unit Trust Investment Scheme and is open to all investors. The underlying assets are subject to applicable statutory withholding tax. The features include:

  • It is an open-ended fund
  • The Fund invests a minimum of 20% and maximum of 40% in equities, a maximum of 60% in money market instruments, a minimum of 20% in fixed income instruments, and a maximum of 20% in risk assets
  • The minimum investment amount is N100,000.00, and multiple of N50,000.00
  • The Fund has a 91-day minimum holding period
  • The risk profile for the fund is “Moderate” (The Fund is for investors with moderate-risk appetite)
  • The management fee is 2.0% per annum, and the incentive fee is 20% of excess return above the hurdle/benchmark rate
  • The penalty for redeeming within the minimum holding period is 20% on the accrued income

Benefits

  • Competitive returns
  • Capital preservation
  • Diversification of portfolio
  • Risk mitigation
  • Professional fund management
  • Fund can be used to access our loan
LEVERAGE FUND
The Lustrous Leverage Aggressive Fund aims to achieve long term capital appreciation by investing a minimum of 50% and maximum of 70% in equities, a maximum of 30% in high quality risk assets, and a maximum of 20% in fixed income (including money market) instruments. The Fund is an open-ended Unit Trust Investment Scheme and is open to all investors. The underlying assets are subject to withholding tax. The features include:
  • It is an open-ended fund
  • The Fund invests a minimum of 50% and maximum of 70% in equities, a maximum of 30% in high quality risk assets, and a maximum of 20% in fixed income (including money market) instruments.
  • The minimum investment amount is N150,000.00, and multiple of N50,000.00
  • The Fund has a 91-day minimum holding period
  • The risk profile for the fund is “Aggressive” (The Fund is for investors with high-risk appetite)
  • The management fee is 2.5% per annum, and the incentive fee is 20% of excess return above the hurdle/benchmark rate
  • The penalty for redeeming within the minimum holding period is 20% on the accrued income

Benefits

  • Competitive returns
  • Capital preservation
  • Diversification of portfolio
  • Risk mitigation
  • Professional fund management
  • Fund can be used to access our loan
Interested in any of our Products? Download Investment Application Form
Collective Investment Scheme