IC Wealth vs Advanced Budget Tracker

Grow your wealth, your way. IC Wealth brings Ghana stocks, mutual funds and Treasury bills together in one investment app, so you can save, invest and track your money from your phone. Whether you're building an emergency fund, saving for school fees, buying a home or planning for retirement, IC Wealth helps you set a goal, choose the right mix of investments and stay on track. SAVE AND INVEST FOR EVERY GOAL • Create savings goals with a target amount and date • Get a recommended monthly amount to reach your target on time • See when a goal needs attention and adjust it in a tap • Build a mixed portfolio across funds, T-bills, commodities and stocks, matched to your risk profile TRADE STOCKS ON THE GHANA STOCK EXCHANGE • Invest in 30+ equities listed on the GSE • Compare shares side by side: YTD return, P/E ratio, dividend yield and 52-week range • Follow top investor watchlists and see what others are buying • Create your own watchlists and track their performance TREASURY BILLS AND FIXED INCOME • Invest in 91-day, 182-day and 364-day Treasury bills • Choose what happens at maturity: get paid, roll over or move into the IC Liquidity Fund MUTUAL FUNDS • IC Liquidity Fund: a low-risk fund to grow your cash • IC Core Commodities Fund: a high-risk fund that diversifies your portfolio with commodities SEE HOW YOUR MONEY CAN GROW • Use the investment calculator to see what investing monthly could add up to over time • Set up auto-invest so your money works for you every month • Adjust your plan anytime FAST, SIMPLE AND SECURE • Fund your account with MTN Mobile Money • Track your full portfolio, gains and history in one dashboard • Secure account verification with your Ghana Card • International stocks from US and global markets coming soon IC Wealth is brought to you by IC Group. Regulated by SEC Ghana. Download IC Wealth and start investing in Ghana stocks, T-bills and mutual funds today. Investments carry risk. The value of your investment can go down as well as up, and past performance does not guarantee future results.

ADVANCED BUDGET TRACKER is a simple, powerful way for families to manage money together — on your iPhone, iPad, and the web, all perfectly in sync. 100% free. No ads, no subscriptions, no in-app purchases, no premium tier — every feature is included for every family, always. Built for households who want clarity without complexity, ADVANCED BUDGET TRACKER separates your Fixed Costs (rent, insurance, subscriptions) from your Variable Costs (groceries, dining, entertainment), so you always know what’s locked in and what’s flexible each month. KEY FEATURES FAMILY SYNC — One shared budget for your whole household, updated in real time across every device and our companion web app at budgetapp.seedtoinvest.com MULTI-CURRENCY — Choose from 14 currencies (USD, EUR, GBP, JPY, CAD, AUD, CHF, NZD, SGD, HKD, SEK, NOK, DKK, KRW) so the app matches your household’s currency FIXED & VARIABLE COSTS — Fixed costs post automatically each month once you’ve had a chance to set things up; variable costs are tracked with day-of-month pacing so you catch overspending early CUSTOM CATEGORIES — Add, rename, and reorder categories to match how your family actually spends SAVINGS & INVESTMENT GOALS — Set a target amount and date for any category and watch your progress build automatically from your transaction history BUDGET SPREADSHEET — See every category, planned vs. actual, at a glance CATEGORY TREND CHARTS — Visualize how each category has moved month to month over the year SMART ALERTS — Get flagged automatically when a category is pacing over budget CSV EXPORT — Download your transaction history any time PRIVATE & SECURE — Your data is tied to your family account and never shared ADVANCED BUDGET TRACKER is completely free — no ads, no upsells, no catches — created by Seed to Invest, LLC as part of our mission to make personal finance education accessible to everyone. Learn more at seedtoinvest.com.