10 BENEFITS OF A COMPREHENSIVE POWER OF ATTORNEY

10 BENEFITS OF A COMPREHENSIVE POWER OF ATTORNEY

Powers of attorney are voluntary delegations of authority by the principal to the agent. The principal has not given up his or her own power to do these same functions, but rather has granted legal authority to the agent to perform various tasks on the principal’s behalf.

A comprehensive power of attorney ensures someone you trust will be in charge of important decisions and tasks, from paying bills to monitoring health care, and is a crucial part of long term planning.

Having covered the explanation of what a durable power of attorney is, here are the top 10 benefits of having a comprehensive power of attorney.

Provides the ability to choose who will make decisions for you (rather than a court).

If someone has signed a power of attorney and later becomes incapacitated and unable to make decisions, the agent named can step into the shoes of the incapacitated person and make important financial decisions. Without a power of attorney, a guardianship or conservatorship may need to be established, and can be very expensive.

Avoids the necessity of a guardianship or conservatorship.

Someone who does not have a comprehensive power of attorney at the time they become incapacitated would have no alternative but to have someone else petition the court to appoint a guardian or conservator. The court will choose who is appointed to manage the financial and/or health affairs of the incapacitated person, and the court will continue to monitor the situation as long as the incapacitated person is alive. While not only a costly process, another detriment is the fact that the incapacitated person has no input in who will be appointed to serve.

Provides family members a good opportunity to discuss wishes and desires.

There is much thought and consideration that goes into the creation of a comprehensive power of attorney. One of the most important decisions is who will serve as the agent. When a parent or loved one makes the decision to sign a power of attorney, it is a good opportunity for the parent to discuss wishes and expectations with the family and, in particular, the person named as agent in the power of attorney.

The more comprehensive the power of attorney, the better.

As people age, their needs change and their power of attorney should reflect that. Seniors have concerns about long-term care, applying for government benefits to pay for care, as well as choosing the proper care providers. Without allowing the agent to perform these tasks and more, precious time and money may be wasted.

Prevents questions about principal’s intent.

Many of us have read about court battles over a person’s intent once that person has become incapacitated. A well-drafted power of attorney, along with other health care directives, can eliminate the need for family members to argue or disagree over a loved one’s wishes. Once written down, this document is excellent evidence of their intent and is difficult to dispute.

Prevents delays in asset protection planning.

A comprehensive power of attorney should include all of the powers required to do effective asset protection planning. If the power of attorney does not include a specific power, it can greatly dampen the agent’s ability to complete the planning and could result in thousands of dollars lost. While some powers of attorney seem long, it is necessary to include all of the powers necessary to carry out proper planning.

Protects the agent from claims of financial abuse.

Comprehensive powers of attorney often allow the agent to make substantial gifts to self or others in order to carry out asset protection planning objectives. Without the power of attorney authorizing this, the agent (often a family member) could be at risk for financial abuse allegations.

Allows agents to talk to other agencies.

An agent under a power of attorney is often in the position of trying to reconcile bank charges, make arrangements for health care, engage professionals for services to be provided to the principal, and much more. Without a comprehensive power of attorney giving authority to the agent, many companies will refuse to disclose any information or provide services to the incapacitated person. This can result in a great deal of frustration on the part of the family, as well as lost time and money.

Provides peace of mind for everyone involved.

Taking the time to sign a power of attorney lessens the burden on family members who would otherwise have to go to court to get authority for performing basic tasks, like writing a check or arranging for home health services. Knowing this has been taken care of in advance is of great comfort to families.

How to set up a Power of Attorney using ARM Trustees Incap Solutions

What is Incap Solutions?

Incap Solutions is a service which enables you to plan for the “in-between” situations whereby an individual is temporarily or permanently incapacitated and is unable to make personal medical decisions or financial decisions.

Incap Solutions employs the use of Medical and Financial Power of Attorney.

A power of attorney is an important estate planning tool through which a person (often known as the principal, grantor or donor) grants certain powers to another person known as the agent, donee or attorney-in-fact. While executing a power of attorney (otherwise known as the POA), the principal could determine the magnitude of power to be granted to the attorney-in-fact, by either authorizing the attorney to deal with only a particular subject matter relating to the principal (a specific power of attorney) or to handle most/all of the principal’s matters (a general power of attorney).

Typically, a power of attorney would terminate upon the death of the principal, there are cases whereby the principal is neither dead nor functional. A Durable power of attorney would be useful in such instances where the principal becomes incapacitated.

To set up an Incap Solutions, please visit here

Credit in part: https://www.mclinburnsed.com

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6 books to read on money and investing

6 books to read on money and investing

There’s a well of knowledge available for those who seek it – and if you’re interested in making more money, you should read more to understand how to handle money and the basics of investing.

Here are some books on personal finance and investment you should read to help you manage your finances better.

 

The Intelligent Investor by Benjamin Graham

 

Referred to as the godfather of investing, Benjamin Graham takes a different approach to investing in this book which we’re sure you’ll enjoy. Warren Buffet calls this “the best book on investing you’ll ever read”.

 

A Random Walk Down Wall Street by Burton Malkiel

 

This is a good one for beginners as Malkiel includes handy definitions of investment terms as it applies to various investment strategies directed toward different stages in life. In this book, he lays emphasis on long-term investments rather than get-rich-quick schemes including how to avoid common mistakes.

 

Thinking, Fast and Slow by Daniel Kahneman

 

 

This book isn’t just about investment. This Psychology professor delves into how one’s thought processes can affect investment success. Within the book, Kahneman explains how to identify your biases and lock them out so as to make rational, clear, and analytical investment decisions.

 

Your Money or Your Life by Vicki Robin

 

This book is what you need to learn the art of living within your means by changing your habits and enjoying life. It helps you understand how to deal with this thing called ‘Budgeting’.

 

Rich Dad, Poor Dad by Robert Kiyosaki

 

‘Rich Dad Poor Dad: What the Rich teach their kids about money that the poor and middle class do not’ is touted as one of the bestselling personal finance books ever.

 

In this book, Kiyosaki uses his childhood recollections of his not-so-wealthy father and the father of his friend who was one of the richest residents in Hawaii to drive home points about money. The comparison shows how best to manage your money or lack of it, as well as helping your kids to do the same. Kiyosaki in this book posits that not all debt is bad, and you can build wealth even if you don’t currently have a staggering income.

 

The Broke Millennial by Erin Lowry

 

This book offers a fun, relatable take on managing money for beginners. Targeted towards 20-30-somethings who want to learn about finances, Lowry covers tricky, real-life situations involving money and how to deal with the challenges of having or not having enough brings.

 

Explore the pages of these select books to build your money-management and investing knowledge and then go on to explore www.arminvestmentcenter.com to put what you’ve learned to practice with a plethora of investment vehicles to suit your every need.

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Don’t go broke before payday

Don’t go broke before payday

Giddy with excitement, Jane made her way into Surulere Mall. Hardly glancing around, she found her way into Pretty toes, a massive suite on the left side of the mall. Three weeks ago, on an outing with her friends, she had discovered the shoe of her dreams. A classy, chic, and unusual Jimmy Choo, nothing could stop her from getting it for herself ahead of Valentine’s Day, not even the fact that she had no money. Instantly, she gave the sales lady 20% of the price to tie down the shoe, promising to return as soon as salary was paid. She got her January salary alert and went to the mall to fulfil her promise.

 

Two weeks after, Jane dragged herself into the house, hissing as she realised there was no power. She called the generator guy again, and again he insisted she needed seven thousand Naira to fix it. Just seven thousand Naira, and she couldn’t afford it; except she wanted to walk to work the rest of the month. Who could have guessed the generator would pack up? It’s not that her job pays too little; she could just never spread it through the month. This month for instance, if only she had not bought those shoes or the human hair from Bimbola’s stylist. Now she barely had enough for essentials like car maintenance and the month was merely on its 17th day.

 

Many people can relate to Jane’s dilemma. You welcome salary with excitement, settling bills and buying at will for the first few days until your dwindling account gives you a red sign, forcing you to stop. You are already broke even though it’s still a long time to the next pay.

 

However, this situation is easily avoidable by simply drawing up a personal budget. A few days to your salary, write out the amount you are expecting and a plan as to how it will be spent. Start with your savings, then the ‘must haves’; items that are essential to your well being like house maintenance, food, transport, electricity. Etc. Proceed to the ‘would like to haves’ like aso ebi for your cousin’s wedding and the food processor your wife won’t stop talking about. Up next is the ‘Can do withouts’ like the belt you want just because it is fine or a new toy set for your baby who already has a lot of toys.

 

Often, as you write the list and input the corresponding cost, you discover the ones you will have to postpone or completely delete. You can use the percentage system to divide your income or actual values of items on the list. Remember to leave something for entertainment, emergencies and your faith (if applicable).

 

It is important to put the budget in a place where you can easily see it as the month progresses; by your bedside or on your phone. Your success rate depends on your compliance rate. The more you stick to your budget, the more money you have for the things that matter.  You will also be able to save consistently. You can set up a direct debit order to your Mutual Fund Investment to ensure nothing gets in the way of your savings or financial goals.

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LABS by ARM Wins Midcap Startup Stars Award

Asset & Resource Management Holding Company (ARMHoldco) has won the Corporate Startup Stars Awards 2020 in the midcap startup stars category for its work with Labs By ARM – an initiative designed to assist post-MVP FinTech startups in advancing the growth of their companies and ensuring their investment-readiness.

Corporate Startup Stars Awards, now in its fifth year, aims at recognizing the world’s most active corporates in working with startups and identifying worldwide best practices in corporate-startup collaboration.

For the 2020 edition of the award, Mind the Bridge – a global organization with headquarters in San Francisco which provides innovation advisory services for corporates and government organizations in partnership with the International Chamber of Commerce (ICC) worked with active corporates in open Innovation nominated by startups at a global level to handpick 50 companies worldwide in various nominated categories of the award. ARM was one of the 50 companies nominated.

Speaking about the award, John W.H. Denton AO, Secretary-General of the International Chamber of Commerce, said, “Innovation in challenging times is more vital than ever. While these pioneering companies play a leading role in their respective ecosystem, they are also having an impact internationally. Showcasing success stories and recognizing the best-in-class efforts through these awards contributes to a virtuous cycle of the positive influence that helps stimulate corporate-startup growth and collaboration globally.”

Labs by ARM was launched in 2019 to discover companies that are post-MVP and operating in the FinTech space in Nigeria. To qualify to partake in the Labs by ARM accelerator program, startups must be well-rounded with a complementary team for product vision, technology, and a solidified view of how to generate income to solve an important problem for a highly-engaged set of customers.

Selected startups are provided with financial investment, distribution, access to investors and mentors, amongst others, to kickstart the growth of their enterprises.

Recognizing ARM’s nomination in this category, Sadiq Mohamed said, “ We are committed through Labs by ARM to helping startups in the Nigerian FinTech space who are hungry to provide laudable service to the general public through their innovative products. To be recognized on a global level for this initiative is humbling and encouraging. A lot of startups have benefitted from the Labs by ARM program, and we look forward to helping more FinTech startups.”

About ARM

Established in 1994, Asset & Resource Management Holding Company (ARMHoldco) is an asset management firm that offers wealth creation opportunities through a unique blend of traditional asset management and alternative investment services.

 

ARM Mutual Funds now on Cowrywise

We are pleased to announce our partnership with Cowrywise – our Mutual Funds can now be accessed on the Cowrywise platform.

This partnership gives us access to empower more individuals to fulfil their dreams and encourage them to imbibe a healthy investment habit.

Speaking on the collaboration, Henrietta Bankole-Olusina; Managing Director, ARM Financial Advisers, stated; “Our goal is to empower individuals to fulfil their dreams and encourage them to imbibe a healthy investment habit. Our range of mutual funds cater to different needs depending on their investment goal and risk profile.

The ARM suite of mutual funds is a diverse one. Its offerings fit the desires of various types of investors. Below are our current offerings.

  • ARM Money Market Fund: this is a low-risk fund that invests in instruments like treasury bills. A good fit for short term investors.
  • ARM Fixed Income Fund: like other fixed-income funds, this is a medium-risk fund. It’s a great option for medium to long term goals, as it can serve as a source of steady income.
  • ARM Ethical Fund: helps investors put their money in firms that align with a strict ethical selection.
  • ARM Discovery Balanced Fund: designed for a balance between equities and fixed income. It’s a medium-risk fund.
  • ARM Aggressive Fund: got a long-term view? This is your fund. Though high-risk, it helps your investments grow over the long term.
  • ARM Eurobond Fund: this fund gives you access to investment instruments denominated in United States’ Dollars. Also, it is excellent for protecting your investments from currency depreciation.

Today, all above-listed funds are accessible on Cowrywise with any amount and in few clicks.

Yarmirama Ashama, Product Manager at Cowrywise, described the recent partnership as an expansion of the opportunities that come with investing with mutual funds. In her words, “We cannot raise a new generation of investors alone. This is why partnerships with fund managers like ARM are important. Having them onboard feeds this vision, and we are excited about the results that will follow.”

Market Update October 2020

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Equity: The equity market sustained its bullish momentum over the month of October with MoM and YTD return at 13.78% and 13.74% respectively. We attribute the stellar rise to the improving domestic investors’ appetite as yields in the fixed income instruments continues to depress.

On a sectorial basis, the market was driven by the following sectors including industrial (+27.88%), Telecoms (+41.02%) and Banking sector (+7.24%).

Going forward till the end of the year, we expect increased domestic investors’ participation in the Nigerian equity market due to the negative real return offered in the fixed income space.


[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/4″][image_with_animation image_url=”8338″ alignment=”” animation=”Fade In”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”3/4″][vc_column_text]Fixed Income: The yields in the fixed income market continued its downward trend over the month of October. The buoyant level of system liquidity remained the major driver for the downtrend as it averaged c.N400 billion over the period. Consequently, fixed income yields declined by an average of 160bps to 3.71% across the short – mid end of the curve.

Over the rest of the year, we anticipate further reduction in yields given the lower borrowing from FG and level of system liquidity.

 


[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/4″][image_with_animation image_url=”8343″ alignment=”” animation=”Fade In”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”3/4″][vc_column_text]Oil Prices: Crude oil prices remained volatile over the course of October, with Brent and WTI prices rising to $43.34 and $41.46 respectively on the back of optimism of stimulus package.  Also, over 92% of crude oil production shut down in the Gulf of Mexico due to Hurricane Delta supported the rally in oil prices.

However, on the flip side, concerns about weakening demand on the back of rise in Coronavirus cases in US as well as lockdowns across Europe and uncertainty about US election tapered down the gains earlier recorded in crude oil prices.
Overall, Brent crude oil prices fell by 9%, while WTI declined by 11% on a MoM basis to close at $37.46 and $35.79 as at 31st of October 2020.

Looking ahead, short term oil fundamentals look benign, however we expect gains to be capped by ongoing uncertainty fueled by rising cases of Coronavirus as well as dichotomy between crude oil demand and supply.

 


[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/4″][image_with_animation image_url=”8365″ alignment=”” animation=”Fade In”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”3/4″][vc_column_text]Inflation: Nigeria’s headline inflation surged to its highest level since February 2018, at 13.7% YoY in September, slightly above our estimate of 13.56% YoY. Again, headline inflation was driven largely by higher food inflation, which accelerated to 16.7% YoY, from August’s 16.0% YoY. While the speed of the increase was somewhat a surprise, food inflation has been pushing higher since mid-2018, with renewed upward momentum following the land border closures in October 2019. Ongoing security, weather-related and structural challenges further added to the rising trend.

Looking forward, we expect the uptrend in year-on-year headline inflation to persist due to sustained impacts of the border closure, adverse impact of elevated transport cost, climatic factors, and FX market restrictions.


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Currency: Across the three FX window, the Naira remained relatively stable against the dollar. We link the stability to a number of factors including stable FX reserve, oil price stability and CBN policies on foreign exchange transactions. Consequently, the parallel market hovered around N460- N465/$ whilst the IEFX and official rate remained flat at N387 and N379 respectively.

 

 


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Outlook: For the coming month, we anticipate further reduction in yields given the lower borrowing from FG and level of system liquidity. For equities, we expect increased domestic investors’ participation in the Nigerian equity market due to the negative real return offered in the fixed income space.

We will continue to invest your assets in safe instruments, as we seek to preserve the value of your assets.

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Copyright © 2020 Asset & Resource Management Holding Company, All rights reserved.

 

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Call For Entry: Deji Alli ARM Young Talent Award 2021

The Deji Alli ARM Young Talent Award (DAAYTA) is an ARM initiative in partnership with TechnoVision’s TVC Labs that aims at providing young Nigerians with an opportunity to develop innovative start-up ventures that add economic value to Nigeria.

The DAAYTA 2021 initiative is in line with ARM’s commitment to Corporate Social Responsibility (CSR) with the aim of building a generation of change leaders, working together to build a better future. It seeks to support business ideas that intentionally create positive societal impact while generating a financial return.

Due to the current global pandemic, it is important to note that the DAAYTA 2021 final event will be held virtually and applications are welcomed from all parts of Nigeria.

Click here to read about:

APPLICATION CRITERIA

To be eligible for the award, the applicant must:

  • be a citizen of Nigeria
  • be between 18 and 30 years of age
  • submit their application which must be their original work
  • have an MVP (minimum viable product) i.e. you have customers
  • be able to fund his/her/team travel expenses and other associated costs if required
  • be available (with co-founders/team where they exist) for the 2-day Pitch Workshop and Final Pitch Event scheduled for February & March, 2021
  • understand the business of ARM, what we stand for; and
  • be ready to represent ARM as an Ambassador

Deadline for December Submission: Monday, December 7th, 2020.

[button color=”undefined” hover_text_color_override=”undefined” url=”https://vc4a.com/technovision/deji-alli-arm-young-talent-award-2021/application/” text=”Apply Here” color_override=”#621a4b”]


PRIZES

The winner of DAAYTA 2021 shall, subject to the Terms & Conditions, receive funding of ₦12,000,000 (twelve million naira) over a period of one (1) year for the following purposes:

  • contribution to working capital.
  • participation in an entrepreneurial education programme at the Pan Atlantic University’s Enterprise Development Centre in Lagos, Nigeria
  • receive a 5-month acceleration support services for the development of their venture by TVC Labs.

For more information on eligibility criteria, kindly refer to the Terms & Conditions here. You can also view the FAQs below.


FREQUENTLY ASKED QUESTIONS

Why is ARM running the Deji Alli ARM Young Talent Award 2021?
The Deji Alli ARM Young Talent Award (DAAYTA) programme was inaugurated by ARM in honor of its founding CEO in 2015 to promote lifelong learning by helping young Nigerian graduates and undergraduates bring ideas to life.

The initiative is in line with the Firm’s commitment to Corporate Social Responsibility (CSR) with the aim of building a generation of change leaders, working together to build a better future.
Who is eligible to participate?
To be eligible for the award, the applicant must

  • be a citizen of Nigeria
  • be between 18 and 30 years of age
  • submit their application which must be their original work
  • have an MVP (minimum viable product) i.e. you have customers
  • be able to fund his/her/team travel expenses and other associated costs
  • be available (with co-founders/team where they exist) for the 2-day Pitch Workshop scheduled for February and March 2021, AND the Winning Pitch Event scheduled for March, 2021
  • Understand the business of ARM, what we stand for; and
  • Represent ARM as an Ambassador

For more information on eligibility criteria, kindly refer to the Terms & Conditions here.

Are there focus areas for DAAYTA 2021?
We are looking for great ideas that are related to Agriculture, Education, Healthcare, Housing, and Transportation.

When is the deadline for submissions?
The deadline for submissions is Monday, December 7th, 2020.

What prize(s) does the winner of the Deji Alli ARM Young Talent Award 2021 receive?
The winner of DAAYTA 2021 Programme will, subject to the Terms & Conditions, receive Funding of N12,000,000 (twelve million naira) over a one (1) year period for the following purposes:

  • contribution to working capital.
  • Participation in an entrepreneurial education programme at the Pan Atlantic University’s Enterprise Development Centre in Lagos, Nigeria
  • receive a 5-month acceleration support services for development of their venture by TVC Labs.

The second stage of the programme will require thirty (30) shortlisted applicants to submit a POEM Framework business plan, a Marketing/pitching video, detailed profiles of their Board (Directors & Advisers), and Team members, sharing their Education, Careers, Key Accomplishments and LinkedIn profiles.

Kindly refer to the Terms and Conditionsfor more details.

Where can I view the full terms and conditions for the Deji Alli ARM Young Talent Award 2021?
You can view the full terms and conditions for the Deji Alli ARM Young Talent Award 2021 here.

[button color=”undefined” hover_text_color_override=”undefined” url=”https://vc4a.com/technovision/deji-alli-arm-young-talent-award-2021/application/” text=”Apply Here” color_override=”#621a4b”]

ARM Launches ARM Sandbox, an API Service for Fintech Startups

Leading Financial Services firm, Asset& Resource Management Holding Company; ARM, has launched a new and more efficient way for Fintech firms to scale their integration and customer acquisition plans, the ARM Sandbox. .

The ARM Sandbox allows Fintechsthat resell APIs (Application Program Interface), provide e-wallet, investments and payment services to integrate ARM’s API into their solutions. This will provide a platform for Fintechs to expand their services to new markets, leverage the credibility of the ARM brand name and best of all, earn from the management fees paid quarterly by the company.

ARM has been at the fore front of innovation through collaboration, by helping startups realise their ambitions. So Far, the company has partnered with Ventures platform to create a Fintech focused accelerator called Labs By ARM and its youth awards initiative, DAAYTA f Through these  programs, ARM supports g entrepreneurs with smart and innovative ideas that have a positive impact on people’s lives and the communities that surround them..

The introduction of ARM Sandbox is in line with the company’s objective of collaborating with Fintechs and providing a platform that enables innovation and reduce the barrier to entry for Fintechs in the asset management industry.

Speaking at the launch, Henrietta Bankole-Olusina; Managing Director, ARM Financial Advisers, Stated that; “The ARM Sandbox platform will empower fintech firms across Africa to achieve their growth goals. Also, it will give them the opportunity to provide value added services to their clients and improve and enhance their customer acquisition strategies”.

We encourage Developers, Product Managers, Business development officers to visit www.sandbox.arm.com.ng to viewand test  the APIs. If interested  they can reach out to[email protected] to get started. Our APIs are RESTful and we have ensured proper API documentation to guarantee ease of use.

 

ABOUT ARM

Established in 1994, ARM is an asset management firm that offers wealth creation opportunities through a unique blend of traditional asset management and alternative investment services. Managing a total asset of approximately N1.25 trillion (as at December 2019)

With an AA rating from Agusto and Co. and was named Investment Management Company of the year by The International Investor Awards. The Firm is regulated by the Nigerian Securities and Exchange Commission (SEC).

ARM Investment Managers bag the Investment Management Company of the Year award

ARM Investment Managers has received the 2020 investment management company of the year award and recognized for excellence in investment innovation and management expertise by International Investor Magazine. ARM Investment Managers stands tall amongst over twenty-nine (29) highly-recognized global investment management companies in this award category.

The International Investor Awards was set up to help individuals both inside and outside of the industry to nominate financial institutions and listed companies. In a survey, a vast majority of the magazine’s subscribers recommended ARM Investment Managers, highlighting the many investment opportunities the company across a number of geographical regions and business sectors.

The team at International Investor Magazine have used a wide range of criteria and multiple research platforms to inform its decision for the 2020 awards. The critical eye of experienced business journalists and judges was combined with the comprehensive information gathered by the research team.

International Investor is an online and printed journal which provides sensitive news, industry analysis and investing opportunities amongst others to a vast global subscriber base which includes institutional investors and industry leaders to name a few.

This award comes at the back of ARM’s 26th anniversary as one of Nigeria’s topmost asset management firm with superior research quality, financial advisory service, and investment management track record.

ARM Investment Managers has over the years, provided professional global asset management services across a wide spectrum of traditional and alternative investment options, including equities, fixed income securities, cash, and real estate. With a diversified client base numbering in their tens of thousands including corporations, high net-worth individuals and small savers, the company has stayed true to its promise of helping people realise their ambitions.