About Investments

The plans are saved for you in case there are challenges being experienced in order to make the transfer to activate it. These pending plans would be automatically removed from the system after, so you need not do anything about it if you do not want to continue with the plan.

Simply select from any of the available products that you want to invest in, name your investment plan with any names for easy identification and tracking, enter the amount you want to invest, confirm the tenor and when you want to receive your interest, and make your payment. It is that simple, yes

Yes, you can. However, this may vary depending on the product, and if you also decided to allow this during investment plan creation. If you desired to ensure discipline till maturity, you can choose "No" to the "Allow liquidation" question, and the withdraw option is taken away. If you choose yes, you would be allowed to withdraw a part of your investment amount before maturity with a penal charge.

Yes, there is a penal charge for withdrawing before maturity. This is minimal and depending on the stage of the investment, the maximum rate is 2.5%.

We strongly recommend allowing your investment run out its full course to ensure you meet your desired investment target at the start of the contract. For emergencies that may arise that may warrant you liquidating your investment, kindly reach out to us and we would advise on the best possible solution. You can also take a loan against your investment, rather than liquidating the investment. This ensures you have the required funding needs met, without breaking your investment.

As an individual user, you are required to update your bank details under the profile section, select this account, enter the amount you want to withdraw, and provide us a reason for withdrawal (just so we know how we can help), and submit to make the request. Your request would be reviewed, approved, and your account will be credited within 24 hours. As a corporate user, simply upload a withdrawal instruction document with your bank account details and submit the request. Your request would be reviewed, approved, and your account will be credited within 24 hours.

Making your investment through any of the funding source is completely free of charge to you, however, in compliance with tax regulations, a withholding tax (WHT) of 10% will be applied on interest earned on your investment.

You get interest returns on your investment and this is based on the interest rate at the point of creating your investments. The interest rate is annualized which means you get your interest returns based on the duration of time the investment was held. Here is a little secret, the more money you keep for a longer money, the higher the interest rate that applies and it is a lot better than what you can get from your bank. Please note that interest rates are subject to change at any time based on market conditions.

At the point of creating an investment plan, you are advised the estimated interest returns that could be gotten at maturity, however, this is accrued daily on the current balance in your active investment plan for as long as your money is kept in our care, simply put, every day gives you something more which could be seen growing in the "interest earned" section on your plan details.

The total net worth on your home page is the sum of all invested amounts in all of your plans (active and matured). Please note that this does not include pending plans (i.e. plans that have not been activated by making payment), and the money (and interest payouts) kept in your wallet.

Interest on your investment is accrued daily, and is paid immediately to your wallet at maturity. This automatically reflects as part of the balance in your wallet. This can be transferred back to the investment to top up or to be withdrawn as you desire.

There is no limit to the number of investment plans that you can create. As many projects or purposes that you might deem fit, the platform enables you to create for all of them without any restraint.

Adding more money to an existing investment can be done in simple steps. Click on the 3 dots (action menu) button on your plan, select top-up, input the amount you want to add and select your preferred payment option from debit card / direct transfer / wallet. Alternatively, you can also transfer funds from your wallet to an active plan.

If you had issues making the transfer to activate your plan within the 2 hours the account number is active, not to worry, simply click on the 3 dots (action menu) button on your pending plan, select "Pay with card", and you will be able to activate your plan using debit card payment method instead.

Simply click on the 3 dots (action menu) button on the pending plan, select "Pay with card", and you will be able to activate your plan using the debit card payment method.