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Mandates & construction

What we own, why we own it, and what could go wrong.

A portfolio is an argument about the future. This page shows how we construct that argument — the asset classes we use, the model allocations behind each mandate profile, and the controls that limit the damage when we are wrong.

Investment universe

Seven instrument groups. Nothing enters without written research.

01

Listed equities

Nigerian and global listed companies, selected on fundamentals, financial statement quality and valuation — not momentum.

02

Government securities

Sovereign instruments used for stability, income and as the yield benchmark every other position must beat.

03

Corporate bonds

Credit exposure sized against issuer strength, covenant quality and liquidity in secondary markets.

04

Exchange-Traded Funds

Efficient access to sectors, indices and offshore markets where a single-name position would concentrate risk.

05

Cash & money market

Liquidity for obligations and dry powder for cycle lows — cash is a position, held deliberately.

06

Digital assets

Selected cryptocurrencies, only under mandates that permit them, sized for volatility and screened on ecosystem fundamentals.

07

Approved special situations

Other opportunities consistent with your mandate, each documented and approved before allocation.

Model allocations

Three risk profiles, illustrated.

These are illustrative strategic weightings, not offers or forecasts. Your actual allocation is set by your profiling outcome, horizon and liquidity needs — then reviewed and rebalanced on a disciplined schedule.

Find your profile

Capital Preservation

Government securities45%

Money market & cash25%

Corporate bonds18%

Dividend equities & ETFs12%

Balanced Growth

Listed equities45%

Fixed income30%

ETFs — offshore exposure15%

Cash buffer10%

Long-Horizon Growth

Listed equities60%

ETFs — sector & global20%

Digital assets (where mandated)10%

Fixed income & cash10%

Professional investor reviewing her portfolio
Individuals — long-term growth around a working life.
Family members joining hands over a table
Families — preservation, income and knowledge transfer.
Business owner working at a counter in her premises
Businesses — treasury that earns without risking operations.

Mandate profiles

Who we manage for, and what they asked us to solve.

Representative mandate profiles drawn from the client types we serve. Details are generalised to protect client confidentiality.

Private client

The professional with no time to manage it

A mid-career professional in Lagos investing monthly, previously spread across four brokerage apps with no allocation logic.

Objective
Long-term capital growth with a defined cash buffer for school fees.
Structure
Discretionary managed mandate, Balanced Growth profile.
What changed
Consolidated holdings, written allocation policy, quarterly rebalancing, monthly contribution schedule.
Risk controls
Position caps per name, sector limits, liquidity floor maintained at all times.
Family & multi-generational

The family protecting what it already built

A family seeking income and preservation across two generations, with low tolerance for drawdown.

Objective
Preserve real value, generate predictable income, transfer knowledge to the next generation.
Structure
Capital Preservation profile with an education track for younger family members.
What changed
Fixed income core with laddered maturities; equity sleeve limited to quality dividend payers.
Risk controls
No leverage, no illiquid instruments, formal annual policy review.
Business & institution

The business with idle treasury

An operating company holding significant working capital in a current account, losing real value to inflation.

Objective
Preserve liquidity for operations while earning a real return on surplus cash.
Structure
Treasury mandate: money market core, short-dated sovereigns, tightly defined access windows.
What changed
Cash-flow forecast mapped to instrument maturities so operations are never squeezed.
Risk controls
Instrument whitelist, counterparty limits, board-level reporting pack.
Investor signing a written investment mandate agreement
Nothing is implemented until the structure, fees and reporting cadence are documented and signed.

Risk management

Risk is not a chapter in the report. It is the process.

Every stage of construction carries a control designed to make a bad outcome survivable.

Diversification limits

Caps by single name, sector and asset class prevent one thesis from defining your outcome.

Liquidity floor

A minimum cash and money market holding so obligations never force a sale at the wrong price.

Valuation discipline

Entry requires a defensible valuation; a broken thesis triggers review, not hope.

Cycle awareness

Market cycle analysis informs when to add risk and when to be patient in cash.

Scheduled rebalancing

Drift is corrected on schedule, which forces selling strength and buying weakness systematically.

Transparent reporting

Holdings, rationale and realised performance reported in writing — including the decisions that disappointed.

7Instrument groups covered
3Model risk profiles
9Stages per mandate
0Positions without written research

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