For many of us, keeping money in a savings account feels like the responsible thing to do. After all, cash in your account means security, right? But in reality, money that sits idle can lose value as prices rise and opportunities pass by. In an economy where inflation keeps stretching the naira, understanding what happens when your money isn’t working for you is key to building real, long-term wealth.

Saving is an important foundation of any financial plan. It helps you handle emergencies, cover short-term needs, and avoid unnecessary debt. But when saving becomes the only strategy, it can quietly hold you back from reaching bigger financial goals.

Inflation erodes the value of savings over time. Rising prices reduce purchasing power, meaning your money buys less in the future even as the balance remains unchanged.

Another limitation is growth. Savings accounts are built for safety, not long-term wealth. While your money is protected, it often earns minimal returns, making it more challenging to grow funds for goals such as home ownership, education, or retirement.

This is where investing comes in, not as a replacement for saving, but as a complement to it. Investing allows your money to grow by working in assets that have the potential to generate returns over time, helping you stay ahead of inflation and move closer to your financial goals.

That’s why having the right guidance matters. Investing doesn’t have to be complicated or overwhelming when you’re supported by professionals who understand the market, manage risk carefully, and align your investments with your long-term goals.

Here are 5 top mutual fund Investment options you should explore this year:

1. ARM Money Market Fund: This fund is perfect for beginner investors seeking to grow their wealth, preserve capital and generate a steady stream of income. It is low–risk fund and suitable for investors who have cash in their current and savings account and wish to earn higher tax-free returns.
2. ARM Short Term Bond Fund: For seasoned investors, this is an open-ended mutual fund which seeks to provide you with competitive returns and diversification benefits. The Fund will be invested in short to medium term fixed income securities that are denominated in Naira with a maximum duration of 3 years. So, if you’re planning on studying abroad or relocating to your dream country, this fund is the first step to attaining your goals.
3. ARM Halal Balanced Fund: If you’re thinking of going for investments that aligns with your morals or you’re an Islamic investor who want to grow wealth over time while staying true to Islamic finance principles, this fund is for you. It focuses on ethical investing, so you can feel confident that your money is working in ways that align with your values without compromising on long-term growth.
4. ARM Discovery Balanced Fund: The Fund is ideal for investors looking to build wealth steadily over the long term. Whether you’re planning for your children’s education, saving towards a property, or creating a legacy for loved ones, this fund is built to support big life goals with growth in mind.
5. ARM Eurobond Fund: For the tech bros and multinational workers that earn in foreign currencies, this fund allows you to invest your US Dollars in high-quality, dollar-denominated Eurobonds. It’s a great option because you get to enjoy competitive returns and steady growth over the medium to long term, while also diversifying beyond local currency investments.

At ARM Investment Managers, we help individuals move from simply saving to investing with purpose. Whether you’re just getting started or looking to grow what you’ve already built, our experts work with you to create a strategy that fits your needs, your timeline, and your comfort with risk.  Reach out to us via 02013305005 to get started, or download the ARM One app today to start investing.