Good question—this is exactly the right place to start as a beginner. I’ll break it into two parts:
How to invest using ARM ONE app
Which fund is best for you as a beginner
✅ 1. How to invest in Money Market Mutual Fund using ARM ONE
The ARM One App is designed to make this simple.
Step-by-step process:
Step 1: Download & Register
Install the app (Play Store/App Store)
Create account (BVN, email, phone number)
Complete KYC verification
👉 The app allows you to manage investments, track returns, and invest in mutual funds directly
Step 2: Fund your wallet
Transfer money from your bank into your ARM wallet (cash balance) inside the app
Step 3: Choose “Mutual Funds”
Inside the app dashboard:
Click Invest
Select Mutual Funds
Step 4: Select Money Market Fund
Look for:
ARM Money Market Fund (MMF)
Step 5: Invest
Enter amount (you can start from as low as about ₦1,000)
Confirm transaction
Units will be allocated to you
Step 6: Monitor & withdraw anytime
You can:
Track daily growth
Add more money
Withdraw when needed
💡 2. Which mutual fund is best for a beginner?
Let’s be very direct:
👉 As a beginner, Money Market Fund is your best starting point
Why?
The ARM Money Market Fund:
Is low risk
Preserves your capital
Pays steady returns
Is better than leaving money in savings account
It invests in:
Treasury bills
Bank placements
Short-term government securities
🔍 Simple comparison (so you understand clearly):
Fund Type
Risk
Best For
Money Market Fund ✅
Low
Beginners, short-term savings
Fixed Income Fund
Medium
Slightly higher returns
Equity Fund
High
Long-term, higher risk
🎯 What I recommend for YOU (based on beginner level)
Start like this:
Phase 1 (First 3–6 months)
Put money in Money Market Fund
Learn how the app works
Understand how returns come
Phase 2 (Later)
You can gradually add:
Fixed income fund
Or small equity exposure
⚠️ Important beginner advice
Don’t rush into equity funds first
MMMF is not for “quick profit” — it’s for steady growth + safety
You can withdraw anytime (very liquid)
🧠 Bottom line
Use ARM ONE app → Mutual Funds → Money Market Fund
It is:
Safe
Beginner-friendly
Flexible
Start small, then grow