We’re Here to Guide you on your Path to Financial Growth
We’ve spent the last 23 years helping people like you navigate life’s big financial decision. We’re here to walk that path with you.
We’re Here to Stand Beside you as you Build a Secure and Rewarding Financial Future
Over 23 years of bringing structure, perspective, and expertise to every financial choice you make. Let us journey with you.
We're Here to Help you Make Sense of your Financial Journey
Over 23 years of guiding individuals and institutions through shifting markets, economic cycles, and critical financial decisions. Let’s partner with you.
Our Offerings
Advisory services
Our dedicated advisors provide strategic guidance, helping you navigate the complexities of the financial landscape and make informed investment decisions.
Fund Management
Our skilled team manages a range of funds, carefully selecting investments to achieve optimal returns for our clients.
Portfolio Management
We offer personalized portfolio management services, leveraging our knowledge and experience to create diversified portfolios that align with your financial goals.
Investments
We provide tailored investment solutions backed by our expertise and comprehensive market analysis to help you grow and preserve wealth.
Our Products
We’ve developed a suite of investment products to help you make better financial decisions.
Coral Income Fund (ICF)
A dependable choice for investors who want steady income without unnecessary risk. The Coral Income Fund pools capital into high-quality fixed-income securities and money market instruments, creating a stable path for consistent returns.
Coral Balance Fund (CBF)
For investors who want growth without losing balance, CBF blends the best of both worlds—equities and fixed-income assets. Registered with the SEC and listed on the Daily Official List of the Nigerian Stock Exchange, the fund allocates up to 65% to equities while the remainder is placed in quality fixed-income securities.
FSDH Dollar Fund (FDF)
A smart way to preserve value in foreign currency. FDF invests in US dollar-denominated fixed-income securities issued by Nigerian sovereign and corporate institutions. The fund gives investors access to dollar-based returns, provides a hedge against currency depreciation, and is structured as an open-ended mutual fund under Section 160 of the ISA.
Coral Money Market Fund (CMMF)
Designed for investors who value liquidity and safety, CMMF channels capital into short-term money market instruments with maturities under 365 days. It offers returns that surpass traditional savings accounts while preserving capital. Its open-ended structure ensures easy entry and exit, making it ideal for both new and experienced investors seeking competitive yields with minimal risk.
Coral Treasury Bill Note (CTBN)
CTBN opens the door for retail investors to participate in Federal Government Treasury Bills without the steep minimum of ₦50,000,000 required in the primary market. It offers ease, accessibility, and a transparent route to secure government-backed instruments.
Coral Fixed Income Note (CFIN)
This is an actively managed, open-ended unit trust scheme that invests a maximum of 65% in equities quoted on any Nigerian stock exchange and the balance in fixed-income securities. The Fund is registered with the SEC and has a memorandum listing on the Daily Official List of the NSE.
Privately Managed Portfolio (PMP)
PMP offers a bespoke approach to wealth management. Portfolios are constructed around individual objectives. Each portfolio is actively managed, drawing on deep market expertise and a strong risk-management framework to deliver outcomes aligned with your financial ambitions.
Testimonials
“FSDH has been incredible for our growth. From the moment we connected through the Female Founders program, they’ve supported us every step of the way—not just with financing, but with mentorship, advice, and genuine care. They’ve become more than a bank but a partner who truly cares about our journey. For any startup looking for real, holistic support, FSDH truly delivers.”
Rukayat Bello
Cofounder, CEO Regxta
“Working with this FSDH has been a game-changer for me. Their expertise, personalized approach, and results-driven strategies have consistently delivered impressive returns. Highly recommended for anyone seeking exceptional financial management services.”
Faith Kure
Risk Manager
“FSDH has been incredible for our growth. From the moment we connected through the Female Founders program, they’ve supported us not just with financing, but with mentorship, advice, and genuine care. They’ve become more than a bank but a partner who truly cares about our journey. For any startup looking for real, holistic support, FSDH truly delivers.”
Rukayat Bello
Cofounder, CEO- Regxta
“When we first engaged FSDH, I was impressed by how fast and personal the process was. From the very first meeting, their team was responsive, attentive, and focused on understanding our specific needs. Their support guided and advised us all through the way. For any business ready to grow, FSDH is a solid partner”.
Babatunde Akin-Moses
CEO- Sycamore
“Working with this FSDH has been a game-changer for me. Their expertise, personalized approach, and results-driven strategies have consistently delivered impressive returns. Highly recommended for anyone seeking exceptional financial management services.”
Faith Kure
Risk Manager
“Working with this FSDH has been a game-changer for me. Their expertise, personalized approach, and results-driven strategies have consistently delivered impressive returns. Highly recommended for anyone seeking exceptional financial management services.”
Faith Kure
Risk Manager
“Working with this FSDH has been a game-changer for me. Their expertise, personalized approach, and results-driven strategies have consistently delivered impressive returns. Highly recommended for anyone seeking exceptional financial management services.”
Faith Kure
Risk Manager
Frequently asked questions
The Coral Balanced Fund (CBF), launched on 1 February 2001, is an open-ended unit trust scheme designed for investors who want steady, long-term capital growth. It blends equities and fixed-income investments, giving you access to a professionally managed portfolio built to help your wealth grow through different market cycles.
CBF brings investors together into one pool of funds, which is then invested in a mix of large, well-established equities and quality fixed-income instruments. Up to 65% of the portfolio may be allocated to equities giving room for growth while the remaining 35% goes into fixed-income securities for balance and stability.
This thoughtful combination helps the Fund grow in value over time while managing risk sensibly.
Equity securities are shares of listed companies—when you buy them, you own a piece of those companies.
Fixed-income securities include government or corporate instruments that pay interest over a specific period. They provide predictable income and help reduce volatility in a portfolio.
Historically, equities tend to outperform fixed-income instruments over long investment horizons. By combining both, the Fund seeks to capture the growth potential of equities while relying on fixed-income investments to cushion short-term market movements.
It’s a balance designed to help patient investors build meaningful long-term value.
The Coral Income Fund, created in May 2006, is an open-ended, income-focused fund designed for investors who want consistency. It invests mainly in investment-grade fixed-income and money-market instruments, helping you set money aside while still earning stable, predictable income.
Proven History of Performance
CIF has delivered an average annual return of 9.17% from inception in 2006 to August 2017 outperforming the 91-day Treasury Bill yield of 8.46% over the same period.
An investment of ₦1 million at launch would have grown to approximately ₦2.44 million by August 2017.
Easy Access to Your Money
CIF is highly liquid. Investors can redeem their units within five (5) business days at the prevailing bid price regardless of market conditions.
No Administrative Stress
The Fund Manager handles everything: instrument selection, monitoring, rebalancing, and engagement with financial institutions. You get the benefit of professional oversight without the burden of managing multiple accounts or tracking numerous maturity dates.
Lower Overall Transaction Costs
Because subscribers share transaction costs, each investor benefits from lower individual costs helping the fund deliver stronger yields over time.
investor benefits from lower individual costs helping the Fund deliver stronger yields over time.