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• An investment account is where you keep money that grows over time.
• You can buy things like stocks, bonds, or funds inside it.
• Some accounts let you start with little money — even $10.
• Your money can grow — but there is always some risk.

👉 An investment account is a place to grow your future money.

If you’re just starting your credit journey or trying to recover from past mistakes, a secured credit card can be your way forward. It’s safe, simple, and designed to help you build trust with lenders.

• A secured credit card requires a refundable deposit, often equal to your credit limit. For example, a ₦50,000 deposit usually gives you a ₦50,000 credit line.
• It’s designed for people with no credit or low credit scores — and helps you build or repair credit over time.
• Your payments are reported to credit bureaus. Using the card responsibly — staying under the limit and paying on time — gradually improves your credit profile.
• Use it for everyday purchases, but stay disciplined. Never spend more than you can repay.
• Always pay the full balance each month. This avoids interest charges and shows you’re managing credit wisely.
• After 6–12 months of good usage, some banks may upgrade you to an unsecured credit card — no deposit required

👉 A secured credit card is your stepping stone to bigger financial opportunities.

• A mortgage is a loan you use to buy property, like a house or apartment.
• You usually pay it back over 15–30 years with monthly payments.
• If you don’t pay, the bank can take back the house (called foreclosure).
• Fixed-rate mortgages lock your rate; variable ones can change over time.
• 👉 A mortgage makes homeownership possible — but only with careful planning.