PlanTypeRate p.a.LockMinEarly exit
Fixed IncomeFEATUREDUnit-priced · NAV — · offer — / bid — · low risk · TER 0.5%–1% of returns (already in NAV returns)3mo 2.5%6mo 5%9mo 7.5%12mo 10%24mo 20%60mo 50%
fund
Variableno fixed rate — measured by us
3 months
—
5% BREAKING FEE of the total amount withdrawn ✅ — "Withdrawing from your plan before maturity comes with a 5% charge of the total amount being withdrawn." (Early exit IS allowed; fee is on the whole amount, not just interest.)
Dollar VaultUnit-priced · NAV — · offer — / bid — · low risk · TER 0.5% of returns (already in NAV returns)3mo 2.5%6mo 5%9mo 7.5%12mo 10%24mo 20%60mo 50%
fund
Variableno fixed rate — measured by us
3 months
₦10
—
Real EstateManaged portfolio · returns tracked by naira value · medium risk · fee 0.5%–1% of returns10.00% YTD, as of 5 Jul 2026 — historical, not guaranteed≈ 9.9% after 0.5%–1% of returns fee (max fee)3mo 3.75% total (≈16.1% p.a.)6mo 7.5% total (≈15.8% p.a.)9mo 11.25% total (≈15.5% p.a.)12mo 15% total (≈15.2% p.a.)24mo 30% total (≈14.2% p.a.)60mo 75% total (≈12% p.a.)estimated from historical results — not guaranteed
fund
Variableno fixed rate — measured by us
3 months
₦10
5% BREAKING FEE of the total amount withdrawn ✅ — "Withdrawing from your plan before maturity comes with a 5% charge of the total amount being withdrawn." (Early exit IS allowed; fee is on the whole amount, not just interest.)
Growth StocksManaged portfolio · returns tracked by naira value · high risk · fee 0.5%–1% of returns13.50% YTD, as of 5 Jul 2026 — historical, not guaranteed≈ 13.37% after 0.5%–1% of returns fee (max fee)
fund
Variableno fixed rate — measured by us
None
₦1
none
Dividend Income (DIP)Managed portfolio · returns tracked by naira value · medium risk · fee 0.5%–1% of returns10.00% YTD, as of 5 Jul 2026 — historical, not guaranteed≈ 9.9% after 0.5%–1% of returns fee (max fee)
fund
Variableno fixed rate — measured by us
None
₦1
none
Goal Plans (Create a Goal / Build Wealth / Start a Business)Managed portfolio · returns tracked by naira value · medium risk · fee 0.5% of returns13.70% YTD, as of 5 Jul 2026 — historical, not guaranteed≈ 13.63% after 0.5% of returns fee (max fee)
fund
Variableno fixed rate — measured by us
Until a set date
₦1
none
Naira VaultUnit-priced · NAV — · offer — / bid — · price-appreciation+dividends · low risk · TER 0% of returns (already in NAV returns)13.70% YTD, as of 5 Jul 2026 — historical, not guaranteed₦0–₦500,000: 30–59d 14.05% · 60–179d 14.14% · 180–279d 14.47% · 280–364d 14.73% · 365d+ 15%₦500,000–₦999,999: 30–59d 16.66% · 60–179d 16.78% · 180–279d 17.25% · 280–364d 17.62% · 365d+ 18%₦999,999–₦4,999,999: 30–59d 18.37% · 60–179d 18.51% · 180–279d 19% · 280–364d 19.53% · 365d+ 20%₦4,999,999+: 30–59d 20.88% · 60–179d 21.06% · 180–279d 21.81% · 280–364d 22.39% · 365d+ 23%rate depends on both amount and duration — whole balance earns its bracket's rate0% on above ₦0e.g. ₦500,000 blends to ~0% p.a. (gross)
fund
Variableno fixed rate — measured by us
30–1825 days
₦1
—
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.