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We live in a fast-paced corporate world, where demands are higher, pressure is ‘werser’ and everything around us like social media and poor dieting is determined to undermine health. A balance between physical and mental well-being is crucial in times like this. As employees spend increasingly longer hours at work, it is essential to adopt habits and strategies to ensure that their physical and mental well-being are protected. Whether it is developing a new hobby or switching jobs, take intentional steps to protect yourself and your employees.

“Each year, the global economy experiences losses that cost about $1 trillion because of anxiety, stress, and depression at work.”

-The World Health Organization

There are multiple benefits of good physical and mental health for workers. Increased productivity and performance are a no-brainer. Employees who are physically and mentally healthy are more likely to be productive at work. They stay motivated and by extension are creative and innovative in their capacities. Employees who are in optimal health conditions take fewer sick leaves and perform well.

Moreso, employees with stable mental health tend to build stronger relationships with co-workers and supervisors. They do not feel threatened, they are confident in their work and are willing to take constructive criticism. These employees are supportive and cooperative and are generally less likely to be involved in conflict.

Reduced stress is a critical benefit, not just for the employees but for the employer too. In a work environment where employees are confident in their work, not afraid to make mistakes and passionate about achieving the overall organisational goal, there is little chance for unnecessary stress. They are less likely to experience anxiety and depression (stemming from work-related issues) and are more likely to bounce back from setbacks.

All these factors ultimately lead to a happier work environment and happy employees. Employees who are physically and mentally healthy are more likely to feel satisfied with their jobs and the rate of burnout is significantly reduced.

The responsibility of protecting the well-being of individuals in the workplace is the responsibility of the employee. Nobody can take better care of you than yourself. It is also the responsibility of the employer. As we like to say at Norrenberger, the people are our competitive advantage – and they are. Let us take a look at how both parties can be intentional about protecting the general well-being of individuals in the workplace.

How Employees Can Protect Their Well-being

There are many great things that employees can do to protect their physical and mental health including:

Eating a healthy diet: Eating a healthy diet is essential for good physical and mental health. It provides the body with the nutrients it needs to function properly and can help reduce stress and anxiety. A healthy diet means not skipping lunch hour, knowing that you already miss breakfast and dinner. It does not consist of the several questionable junk foods you keep in your snack drawer. So, consider religiously taking your lunch break and replacing those snacks with fruits and protein bars with the occasional slice of cake and whatnot.

Exercising regularly: Even though this is often skipped, exercise is an important part of maintaining physical and mental health. It helps improve cardiovascular health, reduce stress, and boost mood. The ‘9-5ers’ that double as gym rats can vouch for this point. So, whether it’s a 30-minute yoga session before work or a casual stroll in the evening, dedicate some time to regular exercises and thank us later by investing in a series of diversified portfolios.

Getting enough sleep: When you don’t get enough sleep, you are more likely to experience fatigue, irritability and difficulty concentrating. The recommended duration is 7-8 hours of sleep. While it might not be entirely feasible for everyone, especially people that have multiple jobs and hobbies, we recommend you get as close to that as possible. Skip the extra hour on Instagram and focus on getting more sleep.

Managing stress: Stress is a normal part of life – we all get stressed every now and then. But too much stress can have a negative impact on your well-being. There are many things, however, you can do to manage your stress levels. Remember the point about exercising? You can also spend time with your loved ones and get a hobby.

Seeking professional help: If you are struggling with physical or mental health issues, whether it’s work-induced or not, we recommend you seek professional help. A therapist can help you identify and address the underlying causes of your problems, and they can teach you coping skills to manage stress and anxiety.

How Employers Can Support the Well-being of Their Employees

Employers have a responsibility to support the physical and mental health of their workers. Some of the things that employers can do include:

Providing health insurance: Health insurance can help employees to afford the care they need to stay healthy. It is important to include this in the employee benefits package. It shows that the company is intentional about the well-being of its employees.

Offering wellness programs: Wellness programs can help employees to learn about healthy habits and make changes to their lifestyles. At Norrenberger, we periodically offer wellness activities such as sports days and medical check-ups. Consider adopting these methods in caring for your employees’ general health.

Providing flexible work arrangements: Following the pandemic era, the direction of work environments has become considerably more flexible. Many companies are opting for more remote and hybrid working situations to ensure work-life balance and optimal productivity. Flexible work arrangements can help employees to balance their work and personal lives, which can reduce stress and improve health.

Creating a supportive work environment: A supportive work environment is one where employees feel valued and respected. There are various methods to this including speaking opportunities, getting employees’ inputs in company decisions, and conducting a mentorship program. This can help to reduce stress and improve mental health.

Providing mental health resources: Employers can provide mental health resources to employees, such as employee assistance programs and counselling services. This can be outsourced or championed by the human resource department consisting of qualified professionals.

The physical and mental well-being of employees is not one that can or should be ignored. By taking steps to protect the physical and mental health of their workers, employers can create a more productive and engaged workforce. Employees as well, can have more fulfilling careers when their physical and mental well-being is secured.

Mutual Funds


Norrenberger Money Market Fund

Money Market Fund

The Money Market Fund is a collective investment scheme, registered with the Securities and Exchange Commission (SEC). The Fund invests in Nigerian short-term money market instruments such as Federal Government Treasury Bills, Bankers’ Acceptance, Commercial Papers, Certificate of Deposit, and other instruments introduced and approved by the Central Bank of Nigeria (CBN) from time to time.

Features

  • Return on investment is competitive and tax free.
  • The Fund is open-ended and constituted under a Trust Deed.
  • Quarterly interest payment or reinvestment.
  • Redemption of units within the first 30-day period attracts 20% penalty charge on accrued return.
  • Redemption takes 2-3 working days.
  • Online access available to monitor fund performance.
  • Diversified portfolio in money market instruments.
  • Minimum subscription amount is N5,000.00 and subsequent investment contribution as low as N1,000.00.

Norrenberger Islamic Fund

Islamic Fund

The Islamic Fund is a collective investment scheme, registered with the Securities and Exchange Commission (SEC). The Fund is targeted primarily at investors who have a short, medium to long term investment horizon with consciousness for their belief in Shariah principles and are seeking higher returns than typical Shariah Fixed Deposits but averse to the risk associated with equity investments. The Fund invests in Sharia Compliant Fixed Term Contracts which are subjected to the review of it’s Sharia Advisors.

Features

  • Return on investment is competitive and tax free.
  • The Fund is open-ended and constituted under a Trust Deed.
  • Quarterly dividend payment or reinvestment option.
  • Redemption of units within the first 180-day period attracts 20% penalty charge on accrued return.
  • Redemption takes 2-3 working days.
    Online access available to monitor fund performance.
  • Diversified portfolio in Sharia Compliant Instruments.
  • Minimum subscription amount is N5,000.00 and subsequent investment contribution as low as N1,000.00.

Norrenberger Dollar Fund

Dollar Fund

The Dollar Fund is a collective investment scheme, registered with the Securities and Exchange Commission (SEC). The objective of the Fund is to hedge against currency risk while providing liquidity and competitive returns to investors. The Fund is targeted at Retail Investors, High Net-worth Individuals, Africans in the diaspora, Local and Foreign Institutional Investors seeking Dollar dominated investments. The Fund invests in Sovereign & Corporate Eurobonds and dollar denominated money market instruments.

Features

  • Return on investment is competitive and tax free.
  • The Fund is open-ended and constituted under a Trust Deed.
  • Quarterly dividend payment or reinvestment.
  • Redemption of units within the first 90-day period attracts 20% penalty charge on accrued return.
  • Redemption is processed within 5 working days.
  • Online access available to monitor fund performance.
  • Diversified portfolio in dollar denominated instruments.
  • Minimum subscription is 5 units and subsequent addition of 1 unit at the prevailing price per unit.

Norrenberger Turbo Fund

Turbo Fund

The Turbo Fund is a collective investment scheme, registered with the Securities and Exchange Commission (SEC). The Fund aims to generate income and competitive returns by investing 100% of its assets in short, medium and long term instruments, including securities issued by Federal and State Governments, and corporate entities. The Fund is targeted at Retail Investors, and Institutional Investors seeking competitive returns on Naira-denominated investments. Investing in the Fund allows participation in the bond markets with lower initial investments compared to directly purchasing individual bonds.

Features

  • Return on investment is competitive and tax free.
  • The Fund is open-ended and constituted under a Trust Deed.
  • Quarterly interest payment or reinvestment option.
  • Redemption of units within the first 90-day period attracts 20% penalty charge on accrued return.
  • Redemption takes 5 working days.
  • Online access available to monitor fund performance.
  • Diversified portfolio in Naira denominated Fixed Income instruments
  • Minimum subscription is 50 units and subsequent addition of 10 units at the prevailing price per unit.

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Classic Note


Norrenberger Classic Note

Classic Note

The Norrenberger Classic Investment Note ‘The Classic Note’ is a liquid product which affords investors the opportunity to earn interest on their investments in periodic intervals monthly or quarterly; or compound the interest and earn it with the principal when the investment matures.

Features

  • Competitive interest rates.
  • Upfront and periodic interest payment options available.
  • Investment certificate can be used as a supporting document for accessing loans and visas applications.
  • Classic Investment Note is available in 30, 60, 90, 180 , 270 and 365 day tenors.
  • Investment can be rolled over at maturity.
  • Returns are subject to statutory 10% withholding tax(WHT).
  • Early termination or part termination is allowed with a charge to interest only.
  • Minimum investment amount is N1,000,000.00.
  • Interest rate is negotiable based on amount and tenure of the investment.

Targeted Investment

Targeted

The Targeted Investment Plan is a structured plan that gives investors an opportunity to invest towards a short to medium term goal with a specific future date. The goal can be to purchase a property, start-up capital for business, dream vacation, education, wedding, car purchase, etc. Interest rate is referenced to the regular Classic Investment Note.

Features

  • Easy achievement of your financial goals due to deliberate planning.
  • Competitive return on your investment, which brings you closer to your goal.
  • Investment certificate can be used as a supporting document for accessing loans and visa applications.
  • Minimum investment tenor is 180days.
  • Withdrawal from the plan is not allowed.
  • Additional investment can be made at any time.
  • Minimum investment amount is N50,000.00.
  • Interest rate is negotiable based on amount and tenure of the investment.

Structured Investment

Structured

The Classic Structured Investment Note is a product that invests in carefully selected low-medium risk assets such as Commercial Papers, Short Term Debt Notes and Bonds to provide liquidity, competitive returns and safety of funds.

Features

  • Attractive interest rates.
  • Investment certificate can be used as a supporting document for accessing loans and visas applications.
  • Interest can be taken upfront or periodically.
  • The Structured Investment is available in 90, 180, 270 and 365 days tenors.
  • Early termination or part termination is allowed with a charge to interest only.
  • Investment can be rolled over at maturity.
  • Returns are subject to statutory withholding tax (WHT).
  • Minimum investment amount is N10,000,000.00.
  • Interest rate is negotiable based on amount and tenure of the investment.

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Treasury Note


The Treasury Linked Investment Note ‘The Treasury Linked Note’ is a product which affords investors the opportunity to invest in a portfolio mainly made up of Treasury Bills and Bonds. Investors can earn returns on their investments upfront (Discounted); or at the maturity of the investment (Yield).

Features

  • Default risk-free (Sovereign) instruments.
  • Competitive interest rates.
  • Investment certificate can be used as a supporting document for access to loans, visas and other applications.
  • Tenures of 91 days to 5 years.
  • Treasury Linked Investment Note is available in all tenors.
  • Allows for roll-over when investment matures.
  • Early termination or part termination is allowed with a charge to interest only.
  • Investment return is referenced at 100 basis points above indicated instrument rate.
  • Minimum investment amount is N1,000,000.00.
  • Returns are not subject to WHT.
  • Interest rate is negotiable based on amount and tenure of the investment.

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Norren Kickstart Account


The Kickstart account is geared towards partnering with parents/guardians to encourage the next generation of Nigerian youths to explore their entrepreneurial potentials by leveraging on the capitalist system of the Nigerian economy to become employers of labor and captains of industries in the long term.

Features

  • Investment tenor is 21 years minus the child’s age.
  • Beneficiaries can have access to Norrenberger’s quarterly entrepreneurship focused seminars and trainings.
  • Contributor can withdraw up to 35% of total account balance annually.
  • One free annual withdrawal benchmark.
  • Competitive return on investment.
  • Interest rate is fixed and can be reviewed periodically in line with market realities.
  • Minimum initial deposit of N100,000.00 and subsequent minimum contribution of N5,000.00.

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FX Classic Note


FX Classic Note

FX Classic Investment (Regular)

The FX Classic Regular Investment is a product that offers investors an opportunity to invest in foreign currencies such as US Dollars, British Pounds and Euros, over a short to medium tenor. The key objective is to hedge against exchange rate risk while ensuring preservation of capital and return on investment.

Features

  • Competitive return on investment.
  • The FX Classic Regular is available in USD, GBP & EUR.
  • The FX Classic Regular is available in 30, 60, 90, 180, 270 & 365 days’ tenors.
  • Returns are subject to withholding tax (WHT).
  • Early termination or part termination is allowed subject to termination charges of 25% of accrued interest.
  • Interest is payable on the maturity of the investment.
  • Minimum investment amount is USD, GBP & EUR 5,000.00.
  • Interest rate is negotiable based on amount and tenure of the investment.

FX Classic Medium - Long Term

FX Classic Investment (Medium-Long Term)

The FX Classic Medium - Long Term Note is a product that offers investors an opportunity to invest in foreign currency, fixed income instrument such as Eurobonds and short-term foreign currency placements to give a diversified portfolio over a medium to long tenor. The key objective is to hedge against exchange rate risk while ensuring preservation of capital and return on investment.

Features

  • Interest is paid semi-annually.
  • Premature liquidation is allowed subject to a charge of 25% of accrued interest.
  • Attractive returns on investment.
  • FX Classic Medium-Long Term Note is available in 18 months to 5 years tenor.
  • Returns are subject to withholding tax (WHT).
  • Minimum Investment amount is USD, GBP & EUR 5,000.00.
  • Interest rate is negotiable based on amount and tenure of the investment.

Eurobonds & Notes

Eurobonds & Notes

Eurobonds are corporate or sovereign foreign currency medium to long term instruments targeted at High Net-worth Individuals, Corporates and Institutions. The key objective is to hedge against exchange rate risk while ensuring preservation of capital and return on investment.

Features

  • Interest is paid semi-annually.
  • Instrument is tradeable and market conditions determine the price of a trade.
  • Low-medium risk asset.
  • Tenure of 18 months to 5 years for Eurobond Note and 3-50 years for standard bonds.
  • Returns are paid semi-annually.
  • Returns are not subject to withholding tax (WHT).
  • Minimum Investment amount is $200,000.00 for standard bonds and $10,000 for Notes.
  • There is an active secondary market for the instrument.
  • Interest rate is negotiable based on amount and tenure of the investment.

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Portfolio Management


This product is targeted at High Net-Worth Individuals, Co-operatives, Private & Public Organizations, Institutional Investors, Special Purpose Funds and Multinationals who seek to diversify their investments in various asset classes expertly managed by professionals. Asset classification will be based on clients’ preference and risk level. Target returns will be set to assess performance by the fund manager. Management fee applies but is negotiable based on the volume of the transaction.

Features

  • Investment is customized to clients need.
  • Clients’ risk and return sensitivity is factored into portfolio mix.
  • Professionally managed by a Team of performance driven experts.
  • Efficiency and Flexibility in managing portfolio in line clients investment
  • policy statement.
    Management fee 1-2% of net asset value.
  • Market knowledge and access to products will provide viable investment options to clients
    Access to global research and market outlook report to guide investment decision and fund management

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Norren Medium Term Investment Note


The Medium-Term Investment Note is designed to provide investors with an opportunity to benefit from highly competitive returns generated from a diversified investment portfolio. The Medium-Term Investment Note targets investors with investment horizon of above one year.

Features

  • Attractive interest rates.
  • Bi-annual interest payment/Rollover.
  • Investment Note is available in 18-36 months tenor.
  • Allows for roll-over after investment matures.
  • Early termination will attract a pre-liquidation charge of 35% of accrued interest.
  • Returns are subject to withholding tax (WHT).
  • Minimum investment amount is N1,000,000.00.
  • Interest rate is negotiable based on amount and tenure of the investment.

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Fixed Income Services


Our fixed income dealing services affords investors the opportunity to buy securities such as Treasury bills, Commercial papers, Government or Corporate Bonds to either hold till maturity or for sale.

Features

  • Excellent execution capacity.
  • Ability to source instruments from other dealers to provides options to clients.
  • Competitive returns to clients due to diversified sources.
  • Minimum investment amount is N1 million for Treasury bills.
  • Minimum investment amount is N5 million face value for secondary market bonds.
  • Interest from Treasury bills investment can be paid upfront or backend.
  • Minimum investment amount for Primary Market Auction is N50,000,000.
    Active secondary market for trading instruments.
  • Market conditions will determine the price of a trade.

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Discretionary Money Market Investment


Discretionary Money Market Investment

This fund invests in diversified money market instruments. It is the closest to a call investment, providing flexibility to investors seeking fixed and competitive returns.

Features

  • Easy entry and exit.
  • Withdrawal within 24-48 hours.
  • Diversified portfolio.
  • Online access to monitor investment.
  • Minimum investment amount is N50,000.
  • Investment is compounded monthly.
  • Interest rate is fixed and reviewed periodically.
  • Investment is subject to 10% withholding tax.

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