The Pinnacle Balanced Fund is designed for investors seeking a blend of stability, income, and minimal risk, while pursuing long-term financial growth. The primary objective of this fund is to preserve capital, generate stable income, and achieve competitive returns, all with a focus on low-risk investments.
Fund Details/Information
| Date Last Updated: 31st October 2025 |
|---|
| Market Price (¢) | Price Change | Year-to-Date |
|---|---|---|
| 1.4648 | +0.6390% | 20.0754% |
What is Pinnacle Balanced Fund?
A medium- term balanced mutual fund which seeks to achieve a combination of capital growth through income re-investment with the portfolio’s asset allocation strategy through investment in a diversified portfolio of Government bonds, Treasury, cocoa bills, equities and other securities to improve performance.
Fund Structure
The Fund will invest in fixed income securities and equity securities trading on the Ghana Stock Exchange and any other regulated stock market. These instruments include Government debt instruments, Commercial Papers, Corporate Bonds and Fixed Deposits. Pinnacle Balanced Fund is a cedi-based investment.
How much can I invest?
- Minimum initial investment amount – GH¢50.00
- Minimum top up investment amount – GH¢50.00
What are the payment methods?
- Cash and Cheque payments into Pinnacle Balanced Fund.
- Direct Debit from your bank for monthly payments.
- Post-dated Cheques for monthly payments.
- Mobile Money
Requirements to start Pinnacle Balance Fund
- Valid National ID Card
- 2 passport size pictures.
- A completed Pinnacle Balanced Fund application form (Forms can be obtained from our offices or website: cidaninvestments.com )
- Duly completed and signed Signature Card.
- Minimum Initial Investment amount.
What can I invest towards?
Ideal for medium to long-term financial goals, such as:
- Caters for medium to long- term financial needs
- Home purchase / mortgage / vehicle
- Financing of children’s education.
- Retirement plan
What returns do I make on my investment
Price appreciation, i.e. the upward movement of Pinnacle Balanced Fund share price
Note: Withdrawals before the recommended 3 years will attract an exit load which may reduce your principal and or return. The longer you stay in the Fund the more returns you make.
What charges do I incur?
- Management fee of 2% p.a. (indirect charge on the whole Fund)
- Other Expenses of 1% p.a. (indirect charge on the whole Fund)
- Quoted returns are net of all charges
What are the Risks of Investing in the Fund?
- The possibility that the Issuer of a fixed income security may be unable to make interest payments and / repay the principal on its debt.
- Fluctuations in the value of a fixed-income security resulting from changes in the general level of interest rates.
- Fluctuations or volatility in share prices inherent in investing in equities on the Ghana Stock Exchange or other regulated markets approved by SEC.
- The probability of the share price of the Fund falling below the current purchase price thereby reducing the value of your investment.
- The effect of currency risk as a result of the cedi losing value against international currencies.
How do I get information on my investment?
- A contract note showing the number of Pinnacle Balanced Fund shares purchased, amount contributed and the purchase price will be mailed to client.
- Half year and Annual Statement will be mailed to client.
- You can also visit cidaninvestments.com to access information on the Fund.
How do I take part or all of my money?
- Complete a redemption form and submit to the Manger.
- Redemptions will be processed within 10 working days.
- Payments are made by cheque or transferred into client’s bank account. (An indemnity form will have to completed by clients who request for transfer into their account).
- For withdrawals, a minimum of GH¢20.00 is to be left on the account.
Who Manages the Fund?
Pinnacle Balanced Fund managed by CIDAN Investments Limited, a licensed investment Fund Manager. CIDAN Investments also manages funds for Corporate and High Net Wealth Individuals and Pension Funds.
Direct Debit
- Guaranteed Transfer
- Affordability
- Accessibility and Flexibility
- Inexpensive
- Secure
- Convenience
Investment Strategy
Our strategy for the Pinnacle Balanced Fund is centered around the selection of Government of Ghana securities, including bonds and treasury bills, which are considered risk-free. By focusing on these stable instruments, we minimize exposure to market volatility, ensuring that the fund provides consistent income while preserving principal.
- Achieve returns above inflation and its benchmark to maximize real growth for investors.
- Preserve capital while providing steady income to fund members.
- Offer a low-risk, stable investment opportunity for institutions and pension funds.
Our active management approach ensures that we continually assess market conditions and adjust the asset mix accordingly, taking advantage of favorable opportunities to enhance returns without taking on undue risk.
Fund Prices
| Date Last Updated: 31st October 2025 |
|---|
| Market Price (¢) | Price Change | Year-to-Date |
|---|---|---|
| 1.4648 | +0.6390% | 20.0754% |
| Market Price (¢) | Price Change | Year-to-Date |
|---|---|---|
| 0.7713 | +0.0389% | 5.1104% |
| Market Price (¢) | Price Change | Year-to-Date |
|---|---|---|
| 3.7952 | +0.0851% | 15.4231% |
| Market Price (¢) | Price Change | Year-to-Date |
|---|---|---|
| 3.8096 | +0.0192% | 6.5273% |
The Pinnacle Balanced Fund is ideal for individuals, institutions, and pension funds looking for a low-risk investment strategy with potential for consistent, long-term returns. It is well-suited for those seeking to increase their exposure to government-backed securities while maintaining the safety of their principal.
Who Should Invest?
Why Invest in the Pinnacle Balanced Fund?
Low Risk, High Stability
With a focus on Government of Ghana securities, investors can rest assured that their capital is well-preserved while earning stable returns.
Medium to Long-Term Growth
Perfect for investors with a longer investment horizon who want to achieve financial goals with minimal risk exposure.
Comprehensive Research and Analysis
Our investment decisions are based on thorough, ongoing research to ensure the fund remains aligned with market opportunities.
Professional Management
CIDAN Investment our trusted investment partner, brings deep expertise in managing funds, backed by a thorough understanding of financial markets.
