ACML provides tailored investment solutions for both institutional and retail clients across various asset classes.

Our institutional offerings serve financial institutions, insurance firms, corporates, schools, churches, and endowments seeking to preserve and grow capital while aligning investments with operational goals and liquidity needs.

For retail clients, we offer easy access to expertly managed portfolios through our Collective Investment Schemes (CIS) — designed to accommodate varying risk appetites and return expectations.

ACML manages structured contributory schemes tailored for professional associations, alumni groups, staff welfare unions, churches, and other member-based organizations. These schemes enable participants to contribute regularly toward specific financial goals such as income support, retirement, education, or emergency reserves.

Our team provides end-to-end support in:

• Scheme design

• Onboarding

• Investment management

• Member communication

• Benefit structuring

In addition to managing the pooled funds, we support clients with tools to:

• Monitor contributions

• Access statements

• Measure performance

All within a transparent and compliant governance framework.

As a licensed Pension Fund Manager under Ghana’s Tier 2 and Tier 3 pension framework, ACML manages pension assets on behalf of employer-sponsored schemes and master trusts. We work closely with Corporate Trustees and Custodians to deliver compliant, diversified portfolios that meet regulatory standards and long-term retirement goals.

ACML’s investment approach for pensions prioritizes:

• Capital preservation

• Steady income growth

• Risk-adjusted returns

This is supported by continuous communication and transparent reporting to scheme sponsors and trustees.

We are distinguished by our ability to combine deep investment expertise with a client-first approach that emphasizes transparency, compliance, and long-term value creation.

We understand that pensions are not just financial assets — they represent the future security of contributors. That’s why we apply:

• Rigorous portfolio construction

• Active risk management

• Tailored investment strategies

to meet the diverse return and risk profiles of each scheme.

ACML’s Private Wealth Management service is designed for high-net-worth individuals, families, trusts, and executives seeking personalized, discretionary investment management.

Each client is assigned a:

• Dedicated relationship manager

• Investment advisor

who work together to understand the client’s:

• Financial goals

• Risk tolerance

• Investment horizon

The Algebra Income Trust (AIT) is our flagship low-risk collective investment scheme, designed to help individuals and institutions grow their money steadily over time.

The fund primarily invests in fixed income securities to deliver:

• Consistent returns

• Capital preservation

With an initial investment of just GHS 100, AIT provides easy access to a professionally managed, diversified portfolio of fixed income assets.

It is ideal for:

• Salaried workers

• The informal sector

• Businesses

• Pension funds

• First-time investors

seeking a secure and flexible investment option.