Phundit

Introducing the After School Fund Feature The After School Fund is a goal-based investment product designed for students in Ghana. Users set a financial target and a graduation date, and the app tracks their progress toward having money ready for life after school. Funds are invested in a regulated mutual fund (FIAP — Fixed Income Alpha Plus) managed by Blackstar Advisors and regulated by the SEC of Ghana, earning interest (users earned 16% in 2025). Currency is GHS (Ghanaian Cedis). Setup flow: 1. Plan selection — user picks what the money is for: NSS/relocation, starting a business, furthering studies, or "still figuring it out" 2. Graduation date — pick expected graduation year and month 3. Target amount — set a savings target with quick-select chips and breakdown cards 4. Discipline lock — choose "Full Discipline" (no withdrawals until graduation) or "Partial Discipline" (can withdraw up to 50% of balance, once every 30 days) 5. Confirm lock — slide-to-confirm with explicit acknowledgement switches ("Even if life changes, my money stays locked until then") 6. Terms & conditions — accept terms 7. Success — shows target, mentions interest earning, auto-deposit availability, and that funds are SEC-regulated Withdrawal discipline modes: - Full Discipline: completely locked until graduation date - Partial Discipline: up to 50% of balance, once per 30-day period, with countdown to reset