PlanTypeRate p.a.LockMinEarly exit
Life Goals
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 PortfolioFEATUREDManaged portfolio · returns tracked by naira value · low risk16.75% annual, as of 22 Jun 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Fixed Income PortfolioManaged portfolio · returns tracked by naira value · medium risk5.35% YTD, as of 22 Jun 2026 — historical, not guaranteed≈ 11.7% annual run-rate est. (low-vol only)
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Halal Fixed Income PortfolioManaged portfolio · returns tracked by naira value · medium risk7.23% YTD, as of 22 Jun 2026 — historical, not guaranteed≈ 16% annual run-rate est. (low-vol only)
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Balanced PortfolioManaged portfolio · returns tracked by naira value · medium risk32.49% YTD, as of 22 Jun 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Halal Balanced PortfolioManaged portfolio · returns tracked by naira value · medium risk40.60% YTD, as of 22 Jun 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Halal Commodities PortfolioManaged portfolio · returns tracked by naira value · high risk16.75% YTD, as of 22 Jun 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Equity PortfolioManaged portfolio · returns tracked by naira value · high risk41.35% YTD, as of 22 Jun 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦1,000
none
Dollar Mutual FundsManaged portfolio · returns tracked by naira value · medium risk2.80% YTD, as of 22 Jun 2026 — historical, not guaranteed≈ 6% annual run-rate est. (low-vol only)
fund
Variableno fixed rate — measured by us
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.