Stanbic Bank Investment Packages. Full Details. May 2022

Are you looking to invest your hard-earned cash? Then, this is the right post for you. In this post, I am going to take you through Stanbic Bank investment packages and some other interesting packages that might be of interest to you. 

Without wasting much time, let’s get into the details. 

Stanbic Bank Investment Packages

Below is the wide range of investment packages available at Stanbic Bank Ghana. 

1. Fixed Deposit Investment Account

A Fixed Deposit is an investment account where money is deposited for a fixed period and the interest rate does not change. It offers higher interest rates than ordinary savings accounts and is ideal if you want to save for a specific goal, like a wedding or a holiday. You can start investing with as low as GHS 500.00 for this package. 

Features

  • You can choose an investment period
  • There are no service fees charged
  • Several investment period options are available – from 30 days to 365 days
  • You can have more than one fixed deposit if you want to save for different goals
  • You cannot withdraw funds from your fixed deposit during the term of your investment
  • If you end your investment early, you will need to pay a penalty.

How to start 

  • You must make a minimum investment of at least GHS500.00
  • Be over 18 years.
  • Visit your nearest branch with the following documents:
    • Nationally accepted identification (valid Voter’s ID Card, driver’s licence or passport)
    • Two passport-size photographs
    • Proof of address – utility bill less than three months old
  • You don’t need to give us the above documents if you hold a current or savings account with us.

2. Bonus Investment Account

A Bonus Investment allows you to invest a lump sum over a chosen period and rewards you with bonus interest on the maturity of your investment. The minimum you can start with is GHS 5,000.00.

Features And Benefits 

Stanbic Bank Investment Packages. Full Details 1
  • There is no maximum balance requirement, but the higher your balance, the more interest you will earn
  • Additional deposits cannot be made into the account
  • You can open more than one Bonus Investment account
  • There are five investments periods for you to choose from – 6, 9, 12, 18 or 24 months
  • Once an investment period has been chosen, it cannot be changed
  • You earn bonus interest if the account runs for the full investment term
  • No management fees are charged to your account.

How To Start 

  • A minimum deposit of GHS5 000.00 is needed to open the account
  • Be over 18 years
  • Visit your nearest branch with the following documents:
    • A nationally accepted identification card (valid Voter’s ID Card, driver’s licence or passport)
    • Two passport-size photographs
    • Proof of address – a utility bill less than three months old
  • You don’t need to give us the above documents if you hold a current or savings account with Stanbic Bank. 

3. Stanbic Cash Trust Fund

Maximize your short-term income while preserving capital through investing in a portfolio of money market securities including treasury bills, fixed deposits and certificates of deposits and debt securities with maturities not exceeding 13 months. You only start this package with a minimum of GHS 20.00.

Features And Benefits 

  • A diversified portfolio of investments 
  • Preservation of principal: principal amount invested to be secured with varying returns
  • Competitive returns 
  • Easy access to investments at any time 
  • Sustainable Income:  Fund provides sustainable income from selected fixed income securities while preserving the principal investment 
  • Expertise:  with a minimum of GHS20, investors can benefit from SIMS’s professional fund management expertise. 

How To Start

  • Valid identity document – driver’s licence; passport; or National ID, Proof of physical residential address,  
  • Authority to act (if applicable): power of attorney/ letter of appointment from the court and authorised signatories resolution (if more than one). If applicable:  
  • Valid identity document, physical residential address; and Contact details of persons authorised to act 
  • Unabridged birth certificate for minors (under 18 years) 
  • TIN number
  • Passport size picture

Foreign Nationals 
Same as above including 

  • Work permit (if applicable)
  • Resident Permit where applicable.

4. Stanbic Income Fund Trust

Maximize your long term sustainable income and capital appreciation. The Fund invests in a portfolio of fixed income securities including government treasury notes and bonds and corporate department securities. The minimum you can start with is GHS 20.00 and the minimum top-up you can do every month is GHS 10.00.

Features And Benefits 

  • A diversified portfolio of investments 
  • Preservation of principal: principal amount invested to be secured with varying returns
  • Competitive returns 
  • Easy access to investments at any time 
  • Sustainable Income:  Fund provides sustainable income from selected fixed income securities while preserving the principal investment 
  • Expertise:  with a minimum of GHS20, investors can benefit from SIMS’s professional fund management expertise.

How To Start

  • Valid identity document – driver’s licence; passport; or National ID, Proof of physical residential address,  
  • Authority to act (if applicable): power of attorney/ letter of appointment from the court and authorised signatories resolution (if more than one). If applicable:  
  • Valid identity document, physical residential address; and Contact details of persons authorised to act 
  • Unabridged birth certificate for minors (under 18 years) 
  • TIN number
  • Passport size picture

Foreign Nationals 
Same as above including 

  • Work permit (if applicable)
  • Resident Permit where applicable.

5. Individual Fund Management

A tailor-made fund management services for high-net-worth individuals seeking specific investment goals such as educational funds, retirement funds (individual/private pension planning), trust funds, endowment funds etc. The minimum initial investment amount for this package is GHS 2,000,000.00.

Features And Benefits 

  • A diversified portfolio of investments 
  • Preservation of principal: principal amount invested to be secured with varying returns
  • Competitive returns 
  • Easy access to investments at any time 
  • Sustainable Income:  Fund provides sustainable income from selected fixed income securities while preserving the principal investment 
  • Expertise:  with a minimum of GHS20, investors can benefit from SIMS’s professional fund management expertise.

How To Start 

  • Valid identity document – driver’s licence; passport; or National ID, Proof of physical residential address,  
  • Authority to act (if applicable): power of attorney/ letter of appointment from the court and authorised signatories resolution (if more than one). If applicable:  
  • Valid identity document, physical residential address; and Contact details of persons authorised to act 
  • Unabridged birth certificate for minors (under 18 years) 
  • TIN number
  • Passport size picture

Foreign Nationals 
Same as above including 

  • Work permit (if applicable)
  • Resident Permit where applicable.

 

 

 

 

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