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Investment products, built around what you need.

From your first treasury bill to managing a multi-generational portfolio, offering regulated investment services calibrated to your goals, time horizon, and tolerance for risk.

Investment Advisory Wealth Management Mutual Funds Treasury Bills & Bonds Fixed Income Diaspora Plans Asset Management Corporate Finance Partner Banks
No. 01 · Personal Investing

Investment Advisory

One-to-one advice from credentialed advisers who explain every recommendation, document every rationale, and stand behind every decision.

What you get

  • A documented suitability assessment of your goals, time horizon, and risk tolerance
  • Independent recommendations across asset classes, with the rationale in writing
  • Quarterly portfolio reviews and rebalancing recommendations
  • Direct access to a named adviser, not a call centre
  • Annual investment policy statement reviewed against your evolving circumstances

Who it suits

  • Individuals who want a sounding board for their own investment decisions
  • Clients building a long-term portfolio across multiple asset classes
  • Anyone who wants to understand why they hold what they hold
Important. Investment advice does not guarantee outcomes. Recommendations are made on the information you provide, and the value of investments can fall as well as rise.
Open an Account Speak to an Adviser
Service
Investment Advisory
Minimum to engageOn request
Fee structureAnnual % of assets
ReportingQuarterly
Adviser accessNamed
Mandate typeNon-discretionary
No. 02 · Personal Investing

Wealth Management

Comprehensive planning for individuals and families, from goal setting and asset allocation to estate considerations and intergenerational legacy.

Scope of service

  • Holistic financial planning aligned with life goals
  • Strategic asset allocation across cedi and foreign currency
  • Tax-efficient structuring (coordinated with your tax adviser)
  • Estate and legacy planning, in coordination with your lawyer
  • Family governance and next-generation financial education

Designed for

  • Successful professionals planning for retirement and beyond
  • Business owners diversifying outside their primary venture
  • Families with multi-generational wealth-management needs
Schedule a Consultation
Service
Wealth Management
Minimum mandateOn request
Fee structureTiered % AUM
ReportingMonthly + quarterly review
Service teamDedicated
Mandate typeDiscretionary or advisory
No. 03 · Personal Investing

Mutual Funds

Diversified, professionally managed funds across money market, fixed income, and balanced strategies, with daily liquidity on most funds.

Available fund range

  • PCI Money Market Fund: capital preservation, daily liquidity, GHS-denominated
  • PCI Fixed Income Fund: diversified bond portfolio, monthly access, GHS-denominated
  • PCI Balanced Fund: mixed asset classes for medium-term growth
  • PCI USD Income Fund: USD-denominated for FX-aware investors

How it works

  • You buy fund units at the published Net Asset Value (NAV)
  • The fund manager invests the pooled assets according to the offering document
  • Returns are reflected in the changing NAV; you can redeem subject to liquidity terms
Read first. Each fund has its own Offering Document and Fund Fact Sheet detailing risks, fees, and historical performance. Past performance is not a reliable indicator of future results.
Open an Account
Product
Mutual Funds
Minimum investmentOn request
LiquidityDaily / Monthly
CurrenciesGHS · USD
Suitable horizon3 months – 5+ years
Risk profileLow – Medium
No. 04 · Personal Investing

Treasury Bills & Bonds

Direct access to Government of Ghana treasury bills and bonds at primary auction, with full transparency on yields, settlement, and rollover.

Instruments available

  • 91-day, 182-day, and 364-day Treasury Bills
  • 2, 3, 5, 7, 10, and 15-year Government of Ghana Bonds
  • Cocobills and ESLA bonds, subject to availability
  • Automatic rollover instructions on request
Sovereign credit risk. Government securities carry the credit risk of the Government of Ghana. While historically considered low-risk, recent debt restructurings demonstrate that sovereign credit risk is real and can affect both yield and principal recovery.
Open an Account
Product
Treasury Bills & Bonds
Minimum bidOn request
Tenors91 days – 15 years
CurrencyGHS
SettlementT+1 / T+2
IssuerGovernment of Ghana
No. 05 · Personal Investing

Fixed Income Portfolios

Custom-built portfolios of bills, bonds, and high-grade corporate debt, designed for income, capital preservation, or laddered maturities.

Strategies offered

  • Laddered maturity portfolios for predictable cash flows
  • Income-focused portfolios optimised for current yield
  • Duration-managed portfolios to navigate interest rate cycles
  • Liability-matched portfolios for pension and trust mandates
Discuss a Mandate
Product
Fixed Income Portfolios
Minimum portfolioOn request
ReportingMonthly
Mandate typeDiscretionary
No. 06 · Personal Investing

Diaspora Investment Plans

Compliant cross-border investment solutions for Ghanaians living abroad, from London to New York, Toronto to Dubai.

How it works

  • Remote KYC accepted in over 40 countries via certified document verification
  • Funding via remittance through licensed money transfer operators
  • USD, EUR, GBP, and GHS-denominated investment options
  • Monthly reporting in your preferred currency
  • Tax-residency-aware structuring (we do not provide tax advice but can coordinate)
Cross-border note. Investments by diaspora clients are subject to Bank of Ghana exchange-control regulations and the tax laws of your country of residence. We recommend independent tax advice in your home jurisdiction.
Open a Diaspora Account
Product
Diaspora Plans
Minimum openingOn request
CurrenciesUSD · EUR · GBP · GHS
OnboardingFully remote
No. 07 · Institutional

Asset & Portfolio Management

Discretionary portfolio management for high-net-worth individuals, family offices, foundations, and corporate treasuries.

Mandate types

  • Capital preservation mandates (low risk, liquid)
  • Income mandates (yield-focused)
  • Balanced growth mandates (mixed asset classes)
  • Custom mandates with bespoke benchmarks and constraints
Discuss a Mandate
Service
Asset Management
Minimum mandateOn request
ReportingMonthly + quarterly
Mandate typeDiscretionary
No. 08 · Institutional

Corporate Finance Advisory

Strategic financial advisory for Ghanaian and West African corporates, from origination to close.

Engagements

  • Mergers, acquisitions, and divestitures
  • Strategic financial reviews and capital structure optimisation
  • Valuation and fairness opinions
  • Debt and equity capital raising
  • Listing advisory for the Ghana Stock Exchange and Ghana Alternative Market
Engage Our Team
Service
Corporate Finance
EngagementProject-based
Fee structureRetainer + success
No. 09 · Banking Partners

For deposits and credit, we partner with banks you trust.

Premium Capital Investment Ghana is an investment firm, not a bank. Where our clients need deposit accounts, foreign-currency accounts, or business credit, we make introductions to our regulated banking partners. The resulting products are provided by the partner banks under their own banking licences and at their sole discretion.

Ecobank Ghana

Settlement · Custody · Referrals
  • Settlement of investment transactions
  • Custody of client securities
  • Referrals for deposit and current accounts
  • Cross-border banking for diaspora clients

Stanbic Bank Ghana

Institutional Settlement
  • Settlement for institutional and HNW clients
  • Foreign currency settlement
  • Treasury services for corporates

GCB Bank

Settlement · Credit Referrals
  • Cedi-denominated settlement
  • Referrals for business credit facilities
  • Domestic banking for retail investors
Important disclosure. Premium Capital Investment Ghana Limited does not accept deposits, does not operate current or savings accounts, and does not lend money under its own name. Any deposit, current, savings, or credit product referenced on this website or in our materials is provided by our regulated banking partners (Ecobank Ghana, Stanbic Bank Ghana, or GCB Bank) under their own Bank of Ghana licences, and at their sole discretion. We may receive a referral fee from partner banks for introductions, which is fully disclosed to clients in our Conflicts of Interest Policy. The decision to extend credit or open a deposit account rests entirely with the partner bank.