Investment options that fit your goals and capacity.
Grow gradually with regular contributions, commit a larger sum for a year, or access funding for your business.
01 · Regular investment plan
Wise Investor
Build your investment through regular contributions. Ideal for salaried workers or anyone who earns an income at least once a month, and you can add to your investment as many times as you like within the month.
Best for
Individuals who prefer to grow their investment gradually through consistent monthly contributions.
- GH₵200
- Minimum monthly contribution
- 1%–1.1%
- Monthly interest
- 1st day of every month
- Interest credited
- Available anytime
- Withdrawals
- Payment options
- Bank standing order
- Bank transfer
- Bank deposit
- Mobile money
02 · Bulk investment plan
Ceplog Bulk Investment
Designed for investors with a larger sum available to invest for a full year. Your returns are paid at the end of the 12-month term.
Illustration
- You invest
- GH₵100,000
- Return at 18%–20%
- GH₵18,000–20,000
- At maturity (12 months)
- GH₵118,000–120,000
For illustration only. Actual returns are subject to GIA Investment's official terms.
- GH₵100,000
- Minimum initial investment
- 18%–20%
- Return
- 12 months
- Investment period
- At end of term
- Payment of returns
- GH₵50,000
- Minimum top-up
- At maturity
- Withdrawals
03 · For entrepreneurs
Business Fund
Supporting entrepreneurs and business owners seeking capital to start or expand their ventures. Funding is available in two forms, raised from GIA investors through the quarterly Young Investors & Entrepreneurs Forum (YIEF).
Startup Financing
For entrepreneurs with a viable idea who need capital to get started.
- Funding range: GH₵20,000 to GH₵100,000
- Eligibility: GIA members whose businesses have generated initial sales revenue of at least GH₵10,000
- Structure: fixed-rate preference shares, repaid in monthly instalments
Business Growth Financing
For existing businesses ready to expand operations, products or reach.
- Funding range: GH₵20,000 to GH₵100,000
- Eligibility: GIA members whose businesses have generated initial sales revenue of at least GH₵10,000
- Structure: fixed-rate preference shares, repaid in monthly instalments
Funding terms
- 2% per month
- Cost
- 3–12 monthly instalments
- Repayment
- 5%, paid upfront
- Processing fee
Interest is a flat 2% a month on the full amount for the whole term. Investors hold preference shares with no say in how your business is run.
How to apply
- Register as a GIA member
- Submit your business to GIA for assessment
- Selected businesses are funded at the next YIEF
Compare the investment plans
| Wise Investor | Ceplog Bulk | |
|---|---|---|
| Style | Regular contributions | One-time lump sum |
| Minimum | GH₵200 / month | GH₵100,000 |
| Returns | 1%–1.1% monthly | 18%–20% over 12 months |
| Paid | 1st of every month | At maturity |
| Top-ups | Anytime, multiple times a month | From GH₵50,000 |
| Withdrawals | Anytime | At maturity (12 months) |
Frequently asked questions
Is registration really free?
Yes. Membership of GIA is free — you only pay in what you choose to save or invest.
How do I make contributions?
By bank standing order, bank transfer, bank deposit or mobile money.
When can I withdraw my money?
Wise Investor savings can be withdrawn anytime. Ceplog investments are paid out at maturity, at the end of the 12-month term.
Can I add more to my Ceplog investment?
Yes. You can top up a Ceplog investment from GH₵50,000.
How do I get my account statement?
Your Relationship Manager provides your statements and can answer any questions about your account.
Who qualifies for the Business Fund?
GIA members whose businesses have generated initial sales revenue of at least GH₵10,000. Not a member yet? Registration is free, and you meet the membership requirement as soon as you sign up.
How does my business repay Business Fund financing?
In equal monthly instalments paid to GIA, over a minimum of 3 months and a maximum of 12 months.
How much will my business pay each month?
Interest of 2% on the amount invested, plus an equal share of the principal. For example, GH₵20,000 over 6 months is GH₵400 interest plus GH₵3,333.33 principal: GH₵3,733.33 a month, or GH₵22,400 in total. Interest is charged on the full amount for the whole period, and a one-off 5% processing fee is paid upfront.
Investment returns, fees and other conditions are subject to GIA Investment's official terms and eligibility requirements. Please review the applicable terms before investing.