Simple, transparent, and structured savings plans designed to help your money grow steadily over time. Two tiers available — Standard and Premium — each with clear rates and durations.
🇬🇭 YMG IQ is a registered business in Ghana
Unlock all three standard plans and start growing your money with structured, reliable returns.
Perfect for beginners. Flexible savings with weekly growth and no lock-in period.
Higher returns with a structured 90-day commitment for serious savers.
Compound growth for medium-term savers with periodic payouts.
Returns are not guaranteed and may vary depending on platform performance. YMG IQ is a registered business, not a licensed financial institution. Please read our terms before participating in any plan.
Unlock all three premium plans and access our highest projected returns for serious savers.
Steady mid-term plan with projected returns up to 15%.
Long-term plan with projected performance up to 25%.
Maximum long-term returns with up to 35% annually over 3 years.
Premium plan returns are projected estimates and not guaranteed. Performance may vary. YMG IQ is a registered business, not a licensed financial institution. Please read our full terms before participating.
All six plans compared in one table.
| Feature | Starter Savings | Fixed Deposit | Growth Plus | 182-Day Tool | 365-Day Tool | 3-Year Builder |
|---|---|---|---|---|---|---|
| Tier | Standard | Standard | Standard | Premium | Premium | Premium |
| Min. Deposit | GHS 50 | GHS 500 | GHS 1,000 | GHS 1,000 | GHS 2,000 | GHS 500 |
| Return Rate | 0.5%/week | 9.5% | 12.5% | Up to 15% | Up to 25% | Up to 35%/yr |
| Duration | Flexible | 90 Days | 182 Days | 182 Days | 365 Days | 3 Years |
| Payout | Weekly | At Maturity | At Maturity | At Maturity | At Maturity | Per Cycle |
| Lock-in | None | 90 Days | 182 Days | 182 Days | 365 Days | 3 Years |
| Activation Fee | GHS 500 (unlocks all 3 standard) | GHS 1,000 (unlocks all 3 premium) | ||||
| Best For | Beginners | Short-term | Medium-term | Medium-term | Long-term | Wealth building |
Four simple steps from deposit to growth.
Add money to your YMG IQ wallet using Mobile Money, card, or bank transfer. Minimum GHS 50.
Pay the one-time activation fee for your chosen tier, then select any plan within that tier.
Your funds grow based on the plan's rate. Track progress from your dashboard anytime.
Once your plan matures, your profits are credited to your wallet and available to withdraw.
We believe every user deserves to know exactly what is happening with their money. YMG IQ is a registered Ghanaian business designed around clarity, honesty, and structured growth.
Every deposit, profit, and withdrawal is clearly recorded and visible in your dashboard at all times.
Monitor your balance and growth in real time with a clean and straightforward dashboard interface.
YMG IQ is a legally registered Ghanaian business — accountable, compliant, and transparent.
Open a free account today and choose the plan that works best for you. YMG IQ — a registered Ghanaian business — is here to help you grow steadily and transparently.