Our Products

Our Products

SAMTL Optimal Retirement Trust (SORT)

 is directed to help retirees top up their life at retirement (bearing in mind that in addition to what an employer will do when he retires or what he has earlier provided for himself), he will have additional support for himself.
FEATURES OF SORT
  • Minimum start up contribution of N50, 000 and thereafter N10, 000 monthly and other assets may be added at any interval.
  • Minimum scheme period of five years.
  • Access to short-term loans for up to 75% of deposit after one year.
  • Access to Sterling financial advisory service
  • Opportunity to buy annuity (backed by credible insurance outfit)

BENEFITS OF SORT
  • No management fee.
  • Does not attract withholding tax.
  • Backed up by a trust deed.

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SKET – SAMTL KIDS EDUCATION TRUST

SAMTL Kids Educational Trust (SKET) is designed to set aside funds on a gradual basis for the education of your children. (Five year scheme).
FEATURES OF SKET
  • Such funds are invested on behalf of the named beneficiary(ies).
  • Initial contribution of a minimum N50, 000 and thereafter N10, 000 monthly contributions.
  • The Trust survives the Death of the Investor
  • The trust will be administered strictly in accordance with your wishes in any event and therefore incapable of being abused or mismanaged by relations or other personal representatives.
BENEFITS OF SKET
  • No management fee.
  • Its backed up by a trust deed.
  • Does not attract withholding tax.
  • It’s a specialized account for kids.

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SKIT – SAMTL KIDS INVESTMENT TRUST

SAMTL Kids Investment Trust (SKIT) is designed to set aside funds on a gradual basis for your kid’s future.
FEATURES OF SKIT
  • Minimum start up contribution N50,000.00
  • Minimum monthly contribution of N10,000.00
  • Investment in diversified portfolio.
BENEFITS OF SKIT
  • The account will be personalized in the name of the child
  • Fixed and guaranteed return
  • It’s a means of saving up for your kid’s future
  • It’s a specialized account for kids.

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SHYTA – SAMTL HIGH YIELD TRUST ACCOUNT

 SHYTA is a popular money market instrument that operates under the guidelines set out by the regulated authorities such as CBN, NDIC, EFCC, etc. It is one investment product under the money market that anybody can invest in and go to sleep with two eyes closed, no stress, no high blood pressure or hypertension whatsoever unlike other investment vehicles like Capital Market.

FEATURES OF SHYTA
  • Minimum investment is N1,000,000.00.
  • Ideal for building up financial resources for the future.
  • Can be used as collateral for loan from Sterling Asset Management & Trustees (SAMTL).
  • No Management fee

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SISA – SAMTL INVESTMENT SELECT ACCOUNT

 SISA is also a popular money market instrument that operates under the guidelines set out by the regulated authorities such as CBN, NDIC, EFCC, etc. SISA is one investment product under the money market that anybody can invest in and go to sleep with two eyes closed, no stress, no high blood pressure or hypertension whatsoever. This is because unlike other markets, e.g. Capital market, your initial capital invested can only appreciate but never depreciate since the product has a fixed rate of returns, tenor, maturity dates and is above all, riskless.

FEATURES OF SISA
  • Asset could be cash, near cash for short term investment.
  • Asset is so secured that “You can go to bed with your eyes closed”
  • Asset to be managed on discretionary basis.
  • Money market is expected to be managed on a fixed terms and conditions.
  • Pre-termination of investment attracts 20% penalty on the accrued interest.

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SIRA – SAMTL INDIVIDUAL RESOURCE ACCOUNT

SIRA is a hybrid product that gives our clients the opportunity to invest their limited resources in several high yielding investment vehicles in the proportions desired by them. In other words, N70,000.00 investment in SIRA can enable you invest N20,000 each in Capital market, Money market, the Real estate market and probably N10,000 in Guaranteed Investment Contract(GIC) where you are not willing to take risk at all. The beauty of this product is that with your limited fund, you can still have a bite at various investment schemes thus enjoying both regular return and boom that may result.

SIRA is a medium / long term product that is ideal for building up your own financial resources for future use, e.g. additional income at retirement, funds for future investments, acquiring choice properties, starting a business, finance oversees education, etc.

Flexibility in choice of investment vehicles to be used and the proportion to be invested in each of the five investment outlets under the fund, namely, Money Market Fund, Government Securities Funds, Equity Fund, Guaranteed Investments Contract and Real Estate Fund (subject to available projects)


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