Jeff

I do stuff 🛸
@daytrps

[Chris again @jiggyjiggaa1]

I’d evaporate from the earth if I couldn’t ragebait a woman I loved. It’s just so sweet😭

[Arsenal @Arsenal]

We did it, together.

[ilymjsyk @g4na_xo]

Everything you want in a guy, I have none
But I can cook spaghetti

[AFC Bournemouth 🍒 @afcbournemouth]

A point on the board and we know what that means...

[Arsenal @Arsenal]

This belongs to all of us.

[Arsenal @Arsenal]

The Arsenal. Your Premier League champions.

[Premier League @premierleague]

The wait is over.

@Arsenal are Premier League champions.

[Sky Sports Premier League @SkySportsPL]

CHAMPIONS! North London reacts to the news from the south coast 🏆

[PFA @PFA]

Arsenal are Premier League champions ❤️🏆

[Jeff @_Jephery]

I'm legit finding it hard to breathe rn...

I can't believe what's about to happen 🤍❤️

[Arsenal @Arsenal]

ONE. TO. GO.

🤝 Presented by @deel

[Resko★ @Bloke_Baz]

25–30 is such a wild age,You have to level up professionally, plan a future,secure a partner,stay healthy and save money.

[Jeff @_Jephery]

@Sherifudeeen You know!!! That's where we'll carry the PL

[Jeff @_Jephery]

COYFFFFFFG... GET IN!!!

[Arsenal @Arsenal]

ANOTHER BIG STEP.

[Arsenal @Arsenal]

ANOTHER BIG STEP.

[Slim @onu_slim]

PiggyVest vs Cowrywise.

PiggyVest started as a savings app that added investments. Cowrywise started as an investment platform that added savings. That difference tells you where each one is strongest before you even open the app.

Current rates

PiggyVest:
PiggyBank - 18% per annum. SafeLock - up to 22% per annum, paid upfront the moment you lock.

Cowrywise:
ARM Money Market Fund currently yielding approximately 24 to 26% annually. Returns move daily with CBN MPR.

Let me is this instance:

If you save on N500,000 over 12 months

PiggyVest SafeLock at 22%: N110,000 interest. Total: N610,000.

Cowrywise Money Market at 24%: N120,000 interest. Total: N620,000.

Cowrywise Money Market at 26%: N130,000 interest. Total: N630,000.

Cowrywise wins on return. The gap is real and it compounds.

The math on N1,000,000 split across both

N500,000 in PiggyVest SafeLock at 22%: N110,000.

N500,000 in Cowrywise Money Market at 25%: N125,000.

Combined return: N235,000 on N1,000,000 in 12 months. That is money working while you sleep.

Liquidity

PiggyVest SafeLock cannot be broken before maturity. Breaking it means forfeiting every kobo of interest earned. That is the point. It protects you from yourself.

Cowrywise Emergency Plan lets you access funds within 24 hours if life happens. More flexible.

Dollar savings

PiggyVest Flex Dollar pays up to 7% per annum. Cowrywise dollar mutual funds offer comparable or slightly better yields. Check both on the day you are ready to move.

Minimum to start

Cowrywise accepts as little as N1,000 in naira funds or $10 in dollar funds. PiggyVest has no meaningful barrier either. You can start both today regardless of how small your capital is.

Security

Cowrywise is SEC regulated with funds held by Zenith Nominees. PiggyVest is CBN licensed and insured. Both are legitimate. Neither is a scheme.

My verdict

Use PiggyVest SafeLock for emergency funds, short term goals, and financial discipline. The upfront interest and lock feature are genuinely powerful.

Use Cowrywise for investment capital you want earning maximum naira returns inside a regulated mutual fund with real asset managers behind it.

The smartest move is not choosing between them. It is using both intentionally with different roles in your portfolio.

Rates are dynamic and move with CBN decisions. Always confirm current rates on both apps before committing capital. Not financial advice.

[Arsenal @Arsenal]

Back-to-back-to-back.

Congratulations to David Raya, winner of the 2025/26 Golden Glove 👏

[Jeff @_Jephery]

@zeekcodes Tough... It's scary out there brother

[🐬 @triplexdshott]

until it happens to you, you will think you are very careful, very responsible, very smart, very religious, very mature, very private, very etc.

[Connor Humm @TikiTakaConnor]

DAVID RAYA HAS OFFICIALLY SECURED HIS UEFA GOLDEN GLOVE WITH A CLEAN SHEET AGAINST ATLETICO MADRID TONIGHT!!!! 🥇