There are two kinds of people when it comes to money.
The first group starts saving with good intentions, but along the way, temptation wins. Something comes up, they dip into the funds, and before long, the dream of seeing that money grow disappears.
Then there is the second group. The ones who set a clear goal, stay consistent, and wait it out. Their money matures, their plans materialize, and their wins speak louder than words.
We believe everyone deserves to move from the first group to the second. That is why we built Target Yield, a new way to invest with purpose, stay disciplined, and reap the rewards of your consistency.
What Exactly Is Target Yield?
Target Yield is the latest addition to Yield by Credit Direct, our growing suite of investment options. Unlike Flex Yield or Fixed Yield, Target Yield is all about goal-based investing.
It allows you to set a specific goal with a minimum of N50,000. This could be funding your master's degree, saving for a property, building emergency wealth, or even planning your dream wedding. What's more? You lock in returns of 15% per annum.
Here’s the kicker:
- No half-measures. Target Yield is designed to reward discipline. If you withdraw before your plan matures, you lose your interest. But if you wait it out, you walk away with the full returns you deserve.
- Crystal clear projections. At the point of setting up your Target Yield, you can already see the estimated returns you will earn. No confusion, no guesswork, just clarity from day one.
- Multiple plans. You are not limited to one goal. You can create as many Target Yield plans and target amounts (beginning from N50,000) as you like, each with its own timeline and target.
The Power of Top-Ups and Auto-Deductions
Staying consistent with money can be tough. That is why Target Yield comes with built-in tools that make discipline easier:
1. Top-ups: You can increase your investment along the way on a fixed schedule. Small, steady additions can turn into life-changing sums when given time to grow.
2. Auto-deductions: Choose daily, weekly, or monthly auto-deductions directly from your Credit Direct App wallet or Flex Yield wallet. This way, saving and investing stops being an afterthought and becomes part of your routine.
When you combine these features, you are not just saving. You are building wealth with structure, confidence, and consistency.
Why Target Yield Matters
In life, it is never the one big decision that makes the difference. It is the repeated small choices that compound over time. That is why Target Yield was built.
By tying your investment to a goal, you are not just putting money aside. You are:
- Creating accountability for yourself.
- Reducing the temptation to “borrow” from your future.
- Enjoying the peace of mind that comes from seeing your money grow steadily towards something that truly matters.
And when maturity day comes, the reward is sweeter because you know you earned it through patience and discipline.
Available Now on Web, Coming Soon to App
You can start using Target Yield today directly on the web. Set up your plan, fund it, and start your journey towards disciplined investing.
But that is not all. We are bringing Target Yield soon to the Credit Direct App, so you will be able to enjoy all the same features with the ease and convenience of your mobile device. Consider this your head start to experience it on the web while anticipating its seamless rollout on the app.
Your Future Self Will Thank You
Every goal starts as a decision. The decision to stop postponing. The decision to stay consistent. The decision to invest with focus and discipline.
Target Yield is not just another investment option. It is the bridge between “I wish” and “I did it.”
So, set your goal. Stay the course. Let your discipline pay you back with the kind of returns that make all the difference.
Because in the end, the biggest wins are not always about how fast you start, but about how well you finish.
