Mutual funds offer an affordable access to a range of assets and markets to match your risk profile and financial goals
by investing across a range of assets, currencies and geographies
reward with reduced risks
support from investment advisors and fund managers
You can invest in mutual funds from as low as USD/GBP/EUR 1000 or its cedi equivalent as lumpsum or a minimum of USD/GBP/EUR 100 through a monthly contribution plan.
Diversify your wealth by investing across a range of assets, currencies and geographies and increase your chances of greater reward with reduced risks.
Our dedicated team of Investment Advisors and fund managers will enhance your portfolio(s) by identifying investment options that are across diverse geographies and asset classes.
Our mutual funds offer daily subscriptions and redemptions, thereby providing clients daily access to their funds.
This is a general term for funds that allows an investor to pool money with other investors and are managed by a team of investment professionals, who pursue a clearly pre-defined mandate or investment strategy.
We provide a wide range of funds, which are professionally managed by leading fund houses that match your risk profile and financial goals. We tap into our global network and resources to analyse financial markets around the world and identify investment opportunities.
You must have access to the SC Mobile Banking App and also have a valid Investment Profile. If you do not have an Investment Profile or yours has expired, you may create one or update it through the SC Mobile app or through our Online Banking platform.
An Investment Profile is a tool that determines your overall appetite for investment risks. You should maintain an updated investment profile in order to invest via the Online Mutual Funds platform. You may create an Investment Profile through Online Banking and SC Mobile.
A suitability assessment is an evaluation of your risk appetite based on the information provided in your Investment Profile i.e. risk tolerance, investment objective, investment experience or knowledge, financial situation and financial needs. This information is used to determine whether the selected investment suits you.
You can place subscription orders and redemption orders via the Online Mutual Funds platform. You can also view your investments portfolio and check the status of your orders on the platform.
Execution-only is a trading service that is restricted to only the execution of trades, without the client receiving any sales personnel advice about the merits or risks of the investments or their suitability.
While you can place your orders via our Online Mutual Funds Platform 24 hours a day, we will process all orders received before cut-off time (2:00PM Greenwich Mean Time) on the same day, otherwise your order shall be processed on the next business day. After the Bank has processed your order to the fund house, it is executed on the dealing day for the fund you have submitted the order for. The definition of dealing day is not the same across the different funds. Please refer to the fund’s offering document before order placement.
Your account will be debited within 3 business days of your submission of the order. Please keep your account sufficiently funded to ensure your request is completed. Kindly review order status to ensure your order is placed successfully.
In case your order is rejected, you will be contacted by either your relationship manager or a representative from the Bank.
For lumpsum orders, each fund house will have a specific minimum investment amount which will be specified on the Online Mutual Funds Platform. For the Wealth Builder product, the minimum monthly amount is USD 100, GBP 100 or EUR 200 depending on the fund currency you are investing in.
The indicative Net Asset Value (NAV) is the suggestive price at which you will be purchasing each unit of the fund. This number is quoted on a daily basis and may fluctuate. If your order is received past the cut off time (2:00PM Greenwich Mean Time), then the next day’s pricing will apply.
Proceeds from a sale will normally be released within 5 – 10 business days after fund house confirms the price. If the fund does not provide daily dealing, the redemption process may be longer. Please refer to the fund’s offering document for further dealing details.
You may use your Foreign Account (FEA or FCA) for settlement purposes. You may also use your Cedi account but proceeds will be converted back into Cedis and credited to the Cedi account.
Once you submit an order via the Online Mutual Funds platform, your order(s) cannot be amended. You may however cancel your order by calling our 24-hour Client Care Centre on +233-302-633398/+233-242-436387 or visit your nearest branch before your order is placed with the fund house. Any cancellation request received after order placement with the fund house will have to follow the redemption procedure which may also be made through the Online Mutual Funds platform.
The average unit cost is your total investment amount divided by your holding units. Total investment amount refers to the gross amount (i.e. before our fee) you have invested in the particular fund. Unit Dividend and Cash Dividend are distributions made by the fund and therefore not included as investment amount. Please note that the figure is for reference only and may not truly reflect the average unit cost of your holding since your purchase. For any transfer-in transaction, the last available indicative price on or before the actual date of transfer has been adopted for calculation.
You can find orders not yet settled under Order Status for your tracking. Once we settle the orders, units will be allocated to your investment account; for redemption, proceeds will be credited to your current account. All settled orders will be displayed under Transaction History.
Unrealised profit/loss is calculated as (Fund’s latest price – Average Unit cost) * Holding units.
The unit price of an investment fund on any business day can only be calculated after all the market closure and will be announced on the next business day.
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