Don’t think savings, think Wealth! The Crystal Wealth Fund is offering you a 3-pack deal: Higher earnings, Security and Access to your funds. The Fund is ideal for individuals and wholesale investors looking to invest towards short to medium term goals. W-Fund is carefully designed to provide capital appreciation and preservation as well as regular income to the investor.

Start investing in the Crystal Wealth Fund with as little as Gh¢ 50 to enjoy the rewards of a diversified portfolio of money market instruments such as treasury Bills, Commercial Papers and other government financial instruments.


  • Minimum holding period of six months.
  • Entitlement to dividend.
  • Voting rights.
  • Investors’ interest in the Fund will be shares which will have same and equal rights.
  • Annual General Meetings.


  • Low startup cost.
  • Flexibility and easy access to your money.
  • Enjoy the rewards of a diversified portfolio.
  • Enjoy all interest income earned less expenses.
  • Returns are tax exempt.
  • Superior returns in the short term.
  • Enjoy the services of a professional Fund Manager.
  • Ease of entry and exit.
  • Regular updates on the status of your investment.

Frequently Asked Questions


1What is the Crystal Wealth Fund?
The Crystal Wealth Fund (Crystal W-Fund) is an open-ended mutual fund created to provide regular income while preserving the investor’s capital and maintaining liquidity at all times. The Fund invests primarily in a diversified portfolio of high quality fixed income securities and other money market instruments. It is a long term collective investment scheme that pools resources from the general public and manages it on their behalf.
2How do I start investing in the Crystal Wealth Fund?
  • Pick and complete an application form from Crystal Capital.
  • Add one passport picture, a utility bill and a photocopy of any valid national ID.
  • Pay in full on subscription (a minimum start-up of GH¢100 and the minimum top up of GH¢50.
  • Submit document to the officer in charge.
3Who are the Fund Managers?
Crystal Wealth Fund is managed by Crystal Capital & Investments Limited, an Asset and Fund Management Firm.
4What is the Fund Structure?
The fund will invest in a diversified portfolio of fixed income securities such as government securities, corporate bonds, and money market instruments such as commercial paper, fixed deposit and banker’s acceptance.
5How much can I invest?
Each share costs Gh ¢1. The minimum investment purchase of shares is in multiples of 50 shares (Gh ¢50).
6What are the modes of Payment?
  • Cheque, banker’s draft or direct cash lodgements.
  • Make a Standing Order to your bank for regular monthly deductions into your Crystal Wealth Fund Investment Account.
  • Issue postdated cheques for a specified period payable at offices of Crystal Capital.
  • Bank wire transfers at any bank. Please call us for instructions.
  • ARB Apex link money transfer through rural banks (charges apply).
  • MTN Mobile Money.
  • Fill a Direct Debit Form.
7What can I invest towards?
The Wealth Fund is designed to help you achieve short to long term financial goals including:
  • Home purchase/Mortgage/Vehicle Acquisition.
  • Financing of Children’s Education.
  • Retirement Plan.
  • Starting a Business.
8Why invest in the Crystal Wealth Fund?
The Wealth Fund is designed to help you achieve short to long term financial goals including:
  • Enjoy all interest income earned less expenses.
  • Returns are tax exempt.
  • Enjoy the services of a professional Fund Manager.
  • Enjoy the rewards of a diversified portfolio.
  • Ease of entry and exit.
  • There is liquidity and flexibility.
  • Superior returns in the short term.
9What returns will the Crystal Wealth Fund Attract?
The Crystal Wealth Fund does not have fixed interest (returns) because the funds are invested in various asset classes including fixed income securities such as government securities, corporate bonds and money market instruments such as commercial paper, fixed deposit and banker’s acceptance.
10What are the risks of investing in the Fund?
The value of the Fund is subjected to the effect of interest rate changes, exchange rate fluctuations, inflation and all adverse changes in the economic environment.
11How can money be withdrawn (Shares be redeemed) from the investment?
You can withdraw money by completing the redemption form. The redemption is processed within a maximum of 5 working Days.
12Who can invest in the Crystal Wealth Fund?
  • Provident Funds.
  • Pension Funds.
  • Welfare Associations.
  • Credit Unions.
  • Churches.
  • Endowment Funds.
  • Workers and organised labour Associations.
  • Tertiary Students and their Associations.
  • Private businesses.
  • Corporate institutions and Enterprises.
  • An adult could also invest in the fund In Trust for (ITF) a child.
13How can an investor monitor the progress of his/her Crystal Wealth Fund?
  • A contract note showing the number of shares purchased, amount deposited and the purchase price will be sent to clients by email.
  • Half year and annual statements will be sent by email to all clients.
  • Statements can also be printed or emailed upon request.