Security exchange commision [SEC] registered, mutual fund investing with clean planning tools.
All plans 10
PlanTypeRate p.a.LockMinEarly exit
Life GoalsFEATURED
locked
13%
90–730 days
₦1,000
No early withdrawal option
Nest
locked
12.3%
Unlocks when child turn 18
₦1,000
No early withdrawal option
Cowrywise Conservative Portfolio
flexible
16.8%
None
₦1,000
none
Fixed Income Portfolio
flexible
5.3% YTD
None
₦1,000
none
Halal Fixed Income Portfolio
flexible
7.2% YTD
None
₦1,000
none
Balanced Portfolio
flexible
32.5% YTD
None
₦1,000
none
Halal Balanced Portfolio
flexible
40.6% YTD
None
₦1,000
none
Halal Commodities Portfolio
flexible
16.8% YTD
None
₦1,000
none
Equity Portfolio
flexible
41.4% YTD
None
₦1,000
none
Dollar Mutual Funds
flexible
2.8% YTD
None
₦1,500
None
Each tracked plan is tested with its own real-money deposit and ranks separately on the board. Untracked plans show the app's own advertised rate.
Best for
Young , planning-minded savers who want structure and access to mutual funds.
Not great for
Users wanting fixed, guaranteed rates [returns track money mutual funds]
Pros
- +SEC registered, Halal option
- +fund-backed
- +strong planning and circles/duo features
Cons
- –Returns fluctuate with MMF performance.
- –Not the highest headline rate
Our honest take
The planner's app. Rates move with the money market, so honest framing matters.