• Pooled Funds – We manage assets for pension funds that are managed as pooled funds. The pooled fund offers an efficient and cost-effective way to gain access to a wide range of investment opportunities. We conduct bottom up and top down research which enables us to construct an excellent investment portfolio that generates competitive and sustainable investment returns.
• Segregated Funds – We manage distinct funds operating as entities with separate investment mandates.Trustees are appointed by the client and the Investment Manager manages the fund in accordance with an agreed upon client mandate. We offer excellent investment management guidance and solutions based on thorough understanding of our clients. We provide quality and timely reporting to Board of Directors/Trustees of the Segregated Fund. Reports submitted include investment performance reports, financial statements and management reports.

We provide investment management services to companies and institutional investors. These funds may be excess funds the institution may have. We have breadth and depth of investment expertise across all major asset classes: government securities, bonds, loans, property and equity.

TRUST FUND MANAGEMENT

We provide assistance with Trust Fund setup and manage Trust Funds in conjunction with the respective Trustees. Investments are made in accordance with the specific investment agreements with the Trust Fund. For clients with no legal agreements, the company has legal firms which can offer assistance in drafting the required documentation.

PRIVATE WEALTH

The company also manages private wealth on behalf of high net worth individuals. Client mandates are made in discussions with the client. Records are confidentially maintained. All transactions with private clients are done via a NICO Nominees fund. All investments are made through this NICO Nominees fund to comply with regulatory requirements which require separation of client assets from company assets. We focus exclusively on your needs and those of your family. We work to address your most important concerns and aspirations, from coordinating investment strategy to managing risk in your portfolios.

NICO MARKET FUND

• Fixed Deposits – We manage funds on behalf of various institutions and individuals. We offer flexible tenors and competitive interest rates. Our investment team works closely with clients to develop an understanding of your needs so as to deliver an optimal personalized service.
• Invest Plus – We offer long term fixed income investments for clients looking to achieve maximum growth of their investments. These investments are tailored to meet the clients risk and return profile.
• Pakamodzi Fund – If you are looking to save substantial funds for short or long term, Pakamodzi Fund is for you. The funds are invested in competitive interest earning instruments.
  
  The following are details of what is offered under Pakamodzi Fund:
  • We require a minimum investment amount of MK 1,000,000
  • Funds can be invested from a minimum period of 7 days
  • Funds can redeemed early without any penalties
  • There are no investment management administration charges
  • We deduct 20% withholding tax on interest unless you are
    tax exempted
• Contributory Fund – The Contributory Fund, is a product that will allow you to invest monthly contributions. The contributed funds are invested on the money market at competitive rates.
  
  The following are details of whats offered under Contributory Fund:
  • We require a minimum monthly amount of MK 200,000
  • Funds can redeemed once they reach MK 1,000,000 without
    any penalties
  • There are no investment management administration
    charges
  • We deduct 20% withholding tax on interest unless you are
    tax exempted
• Share Portfolio Management – On share portfolio we purchase and manage the shares on behalf of you. We recommend the shares after thorough research and analysis of the stock market, with your approval we purchase the shares and maintain records, collect dividends and report to you.
  
  The following are details of whats offered under Share Portfolio management:
  • We require a minimum amount of MK 1,000,000 to purchase shares on your behalf.
  • We send share valuation reports quaterly.
  • We manage your shares proactively to be able to charge 5% on dividends and 5% on gains.
  • We collect and keep track of all the dividends received.

  Note : All the administration costs concerning buying shares or changing share certificates will be borne by the client.
  
  

• Invest Plus -We invest your funds in long and short term government securities at the Reserve Bank of Malawi.
  
  The following are details of whats offered under Invest Plus:
  • We require a minimum amount of MK 1,000,000.
  • Funds can be invested from a minimum period of 91,182 and 364 days.
  • Funds can not be redeemed until the investment matures.
  • We charge 1% on interest earned.
  • We deduct 20% withholding tax on interest unless you are
    tax exempted.

• We have a team of qualified investment analysts that work personally with you to diversify your investments.
• We conduct an indepth research on available investment options and we offer best advise.
• We timely send withholding tax certificates for your returns.
• All deal confirmations and investment statements will be timely sent for your records.
• We offer flexibility on redemptions, all redemption requests must be sent to us before mid-day.
• We have a branch in Blantyre and Lilongwe with available Financial Advisors to assist you.
• Funds can be invested through a bank transfer or simply by writting a cheque to NICO Nominees Limited.