In a financial climate where discipline often determines the difference between long-term stability and stalled progress, many Nigerians still struggle to stay consistent with their investment goals. Some begin with enthusiasm but withdraw prematurely when expenses arise. Others hold their position and allow their capital to grow over time. The outcomes for both groups are clear.

Credit Direct believes that with the right structure, more people can experience the benefits enjoyed by consistent investors. This thinking led to the development of Target Yield, the newest product in the Yield by Credit Direct suite. Target Yield is designed to support goal-based investing by combining fixed projections, accountability features, and a defined maturity structure.

A Clear Framework for Goal-Driven Investing

Target Yield allows individuals to set a specific financial target starting from a minimum of N50,000, and earn returns of 15 per cent per annum. The product is suited for goals that require medium to long-term discipline, such as funding advanced education, preparing for home ownership, planning major life events, or building emergency reserves.

The structure is straightforward:

• A user sets a target amount and timeline.
• The platform displays projected returns immediately.
• The funds remain locked until maturity.
• Early withdrawals result in the loss of interest.

This design discourages reactionary withdrawals and promotes long-term commitment, a critical factor in achieving meaningful capital growth.

Multiple Plans, Individual Timelines

One of the most practical features of Target Yield is the ability to run multiple plans concurrently. An individual can create different targets for different needs, each with its own projected return and maturity date. This multi-plan structure mirrors sound financial planning principles, ensuring that various priorities can be pursued without disrupting one another.

The visibility of expected returns at the point of setup offers transparency that many investors appreciate. Clarity improves planning, and planning strengthens discipline.

Built-In Features That Encourage Consistency

Consistency is one of the strongest predictors of long-term financial progress. With auto deductions on Target Yield, disciplined investing becomes easier to maintain.

Auto deductions

Users can set daily, weekly or monthly deductions from their Credit Direct App wallet or Flex Yield wallet. This automation ensures that contribution patterns remain stable, reducing the risk of missed commitments and promoting orderly capital formation.

Together, these features create a controlled environment where the investor develops strong financial habits over time.

A Product Built for Discipline

Target Yield is designed to support the behavioural side of financial management. Many investment products focus on returns alone, but Target Yield focuses on the discipline required to reach those returns.

By tying each plan to a specific goal, the product helps investors remain anchored. It reduces the tendency to divert funds for short-term needs and strengthens long-term decision-making. For many households, this structure can be the difference between intentions and actual results.

The psychological benefit is also significant. Seeing measurable progress towards a goal helps reinforce commitment and encourages better planning.

Deployment on Web and Future App Integration

Target Yield is currently accessible on the web, allowing users to set goals, fund their plans, and monitor progress seamlessly. Soon, Credit Direct will roll out the product on the Credit Direct App. Once launched, mobile users will enjoy the same structured features with added convenience and ease of access.

This phased deployment allows early adopters to begin using the product immediately while anticipating more integrated mobile features.

Enabling Better Long-Term Outcomes

Financial growth is rarely the result of one major action. It emerges gradually from repeated, disciplined choices. Target Yield supports this mindset by embedding structure, clarity, and accountability into the investment journey.

With its 15 per cent returns, fixed maturity periods, automated contributions and multi-goal flexibility, the product aligns well with the needs of Nigerians seeking a dependable, predictable way to strengthen their financial position.

For individuals aiming to move from intention to achievement, Target Yield offers a practical and disciplined path to long term progress.