You’ve built the habit. Now build on it.
At some point, you’ve moved past the small top-ups, and investing starts to feel like second nature. You’re topping up regularly. You’ve got a cushion. The basics are handled.
That’s usually the moment people start asking a different question. Not “how do I start,” but “how do I make this work harder for me?”
DigiSave Plus is the answer.
What is DigiSave Plus?
It’s just as easy to use as DigiSave. Top up whenever you like, withdraw when you need to, and track everything in the app. No lock-in period. Your DigiSave Plus contributions are invested in the Sentinel Ghana Fixed Income Trust (SGHFIT), an open-ended collective investment scheme managed by Sentinel Asset Management Limited (“The Fund Manager”) and held with Guaranty Trust (GT) Bank for safekeeping. The fund takes on a bit more risk than DigiSave, in exchange for the potential to earn more overtime.
DigiSave Plus gives you the same ease of use and flexibility as DigiSave with a stronger engine underneath, for the money that’s ready to do more.
Download the achieve by Petra app for Android or iOS and subscribe to DigiSave Plus.
DigiSave Plus vs DigiSave: What’s the actual difference?
Same app, same easy withdrawals and top-ups. So, what changes?
Not every place to put your money is the same. Think of your money on a ladder — every rung is a trade-off between safety and growth. At the bottom, there’s cash sitting untouched – safe, with no growth.
One step up, Digisave already puts that cash to work, earning steadily with very little risk for money that should stay easy to reach for your 3 to 6-month goals.
DigiSave Plus sits one rung above DigiSave. Its value can go up or down slightly, occasionally dipping before recovering, in exchange for the opportunity to earn more. So, which one’s for you? If you want steady growth and low risk, that’s DigiSave. If you’re ready to take on a little more movement for a better chance to earn more, DigiSave Plus is the next step.
Is this money ready for the next step?
Taking on a bit more risk only makes sense with the right money. A quick check before you move up:
- Ready: Money for your 6 – 12month goals.
- Ready: Money that’s just sitting idle.
- Not yet: Money you might need next week.
- Not yet: Money you can’t risk shrinking at all, even temporarily.
Key facts about DigiSave Plus
| Fund Size (As of August 2026) | GHS 8.38M |
| Initial Investment Amount | GHS 100 |
| Subsequent Top-Up | GHS 50 |
| Valuation Frequency | Daily |
| Subscription Fee | None |
| Redemption Fee | None |
| Management Fees | 1.5% p.a. |
| 12-month return (2025) | 22.97% |
| Inception Date | September 2020 |
| Fund Type | Fixed Income Fund |
A little Context on Growth
DigiSave Plus invests in fixed income instruments through Sentinel Ghana Fixed Income Trust (SGHFIT), which means it carries interest rate risk. When interest rates rise, bond prices can fall, and this can temporarily reduce the fund’s value. This is a normal feature of fixed income investing, not a flaw. Staying invested through short-term movements is usually what leads to a better outcome over time. So, what matters here is staying consistent. And once you’ve outgrown the basics, DigiSave Plus is where that consistency starts working harder for you.
