5 Steps to Maximizing Your Investments.

How often do you find yourself thinking, “I need to make more money”? If you track it, you’d realize it happens more than you imagined and that’s perfectly normal. With today’s economic realities and rising inflation, it’s not enough to simply invest and hope for the best. The markets are constantly evolving, and to stay ahead, your investment strategy needs to evolve too.
maximize your investments
Whether you’re just starting out or looking to optimize an existing portfolio, here are five smart strategies to help you get the most out of your investments.
  1. Diversify Across Asset Classes

    The age-old advice, “Don’t put all your eggs in one basket,” holds true in investing. By spreading your investments across different asset classes, you can manage risks better and improve your chances of earning more. Markets fluctuate, and asset classes respond differently to economic shifts. For example, when fixed income assets slow down, equities might perform well or the reverse. A well-diversified portfolio ensures that gains in one area can offset losses in another, safeguarding your investments from market volatility.

    United Capital Asset Management offers a broad selection of mutual funds that invest in assets including bonds, treasury bills, equities, and more. Our portfolio managers will guide you in building a well-balanced strategy that aligns with your risk appetite and financial goals.

  2. Consider Investing in Foreign-denominated Assets

    In a volatile exchange rate environment, foreign-denominated investments offer a smart way to hedge against currency risks. As the naira depreciates, returns on foreign investments increase when converted back to local currency. United Capital’s Eurobond Fund and Global Fixed Income Fund are low-risk mutual funds designed to take advantage of this dynamic, offering you both currency appreciation and compounded interest on your returns.

  3. Diversify with Foreign Stocks

    If you’re looking to go beyond local opportunities and take on more risk, consider adding foreign stocks to your portfolio. Foreign markets often provide access to industries and sectors not represented locally, enhancing your diversification. United Capital Wealth Management offers offshore securities trading options, allowing you to tap into global markets and gain exposure to blue-chip companies across the world.

  4. Seize Opportunities in the Securities Market 

    The stock market presents vast opportunities for growth across its diverse industries and sectors. Even within a single market, diversification is possible -when one sector lags, another might outperform. For example, during inflationary periods, Fast-Moving Consumer Goods (FMCG) and commodity companies often excel, as they provide essential products like food, beverages, and personal care items that remain in demand regardless of economic conditions. At other times, sectors like financial services may drive market activity, especially when companies report their earnings.

    With United Capital Securities, you gain direct access to the Nigerian Exchange (NGX) and benefit from our research-driven insights. Using the InvestNow platform, you can trade confidently, seizing market opportunities as they emerge.

  5. Adopt a Long-term Mindset

    Successful investing isn’t just about short-term gains; it’s about playing the long game. Long-term investments benefit from the power of compounding, where your earnings generate further earnings over time. This strategy smooths out market volatility and helps you build lasting wealth.

Ready to Maximize your Investments?

Let’s help you take your investments to the next level. At United Capital, we are committed to empowering your financial future with expert guidance and tailored solutions. Connect with us today and let’s journey together to empowering your dreams. Send us an email or visit our website today!

JOSEPH ONYEMA

Head, Group Enterprise Performance Management
Joseph Onyema
Joseph is the Head, Group Enterprise Performance Management at United Capital Plc.
Over the last 16 years, Joseph has worked with and led teams whose responsibilities cut across a major spectrum of technology transformational and retail growth projects and consultancy. Joining the group in 2017, Joseph started out leading the technology team for 5+ years in the position of the Group, Chief Information Officer, a role in which his focus on execution to reposition the business was exemplary, hence leading to increased digital presence, retail growth and improved revenues, with keen focus on our growth during the COVID-19 pandemic where the business was run totally virtual and saw outstanding growth in customers, revenue and profitability.​
Leveraging on his education, performance, experience and spirit of execution, Joseph transitioned to the Group Head, Enterprise Performance Management, where he brings his analytical and technological prowess coupled with his background in managing teams and businesses to bare in monitoring and tracking business units and employees performances, while helping them to improve in their performance and ensuring the group continues to win in all its endeavours.
Before joining United Capital, Joseph headed the Group Technology Operations at Cordros Capital Limited where he transitioned the business from a High Net-worth Individual (HNI) focused business to retail-focused business with total leverage on technology to drive B2C sales across verticals while exploring new markets and partnerships. Prior to Cordros Capital, he had led the Enterprise & Cloud Services team at Soft Solutions Limited, an IT Consultancy firm with a footprint across 15 Nigerian banks on enterprise security, cloud projects, and consultancy where he developed, deployed, and led support teams to manage several financial and FMCG application suites.
A Tony Elumelu entrepreneur from 2016 before joining the group, and a member of the prestigious Beta Gamma Sigma international business honor society, continues to reinvent himself and deliver exceptionally to the United Capital family.