Premium Capital Investment Ghana Limited is an independent investment firm headquartered at One Airport Square in Accra, with eleven additional branches across ten regions of Ghana. We exist to give individuals, families, and institutions a credible, well-regulated alternative for managing and growing their financial capital, without the conflicts that come from being attached to a deposit-taking bank or insurance company.
Our roots trace back to a smaller advisory practice that operated under a previous identity. As our work expanded, across asset classes, across regions, across the diaspora, we restructured and rebranded to reflect what we had become.
We don't sell products. We build positions. Every recommendation begins with primary research into the issuer, the macro environment, the regulatory framework, and the client's actual circumstances. And every relationship is one we expect to keep for decades.
No proprietary trading desk competing with client orders. No tied-distribution arrangements that reward us for selling the wrong product. Every conflict is disclosed in writing before you sign.
Fees published. Yields shown net of costs. No hidden spreads on bond prices. Performance reported monthly with full transaction history. You see what we see.
We build portfolios for years and decades, not quarters. We do not chase returns at the cost of risk control. We measure success by client outcomes, not by AUM growth alone.
Investment management is a relationship business. These are the senior leaders accountable for what we do, and how we do it.
Our Board is chaired by an independent non-executive director and comprises a majority of independent members in line with corporate governance best practice.
We operate strictly within the boundaries of Ghanaian financial regulation. Our activities are subject to ongoing supervision by the Securities & Exchange Commission of Ghana, and our anti-money-laundering function reports to the Financial Intelligence Centre.
We are an investment firm, not a bank, not an insurance company, not a microfinance institution. We do not accept deposits, do not operate current or savings accounts, and do not lend money under our own name. Where clients require those services, we make introductions to our regulated banking partners.
Chaired by an independent non-executive director. Reviews internal control, risk management, the work of internal and external auditors, and significant compliance findings. Meets quarterly at minimum.
Chaired by the CIO. Reviews and approves investment strategy, asset allocation, primary market participation, and significant trading decisions. Meets weekly.
Independent compliance function reporting to the Audit & Risk Committee. Maintains the AML/CFT programme, conflicts register, and gifts & entertainment policy.
Confidential channels protected under the Whistleblower Act, 2006 (Act 720). See our Whistleblowing page.
All material conflicts are recorded in the firm's conflicts register, disclosed to affected clients before engagement, and managed under our Conflicts of Interest Policy.
Clients with a complaint can write to our independent complaints function. See our Complaints procedure.