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Emergency Savings Funds, Tax-Free Savings Accounts, and Investment Accounts with curated, top-performing local and global funds.
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Set up separate accounts for retirement, house deposits, education, holidays - whatever you're working toward. Each gets its own space with a dedicated strategy and tracking.
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Create unlimited investment accounts for yourself and your kids, all managed from a single dashboard. One fee covers everyone.
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Tell Fynbos how much to invest and where. Set it once, and contributions happen automatically. Consistent investing without thinking about it.
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One click to cancel, no questions asked, no penalties. We want you to stay because Fynbos works for you, not because you're stuck.
Most investment platforms charge a fee based on the amount you invest, known as an AUM fee (Assets Under Management). These fees seem small, but they compound against you, quietly eroding hundreds of thousands in potential wealth.
Scenario: R 500 000 portfolio starting value, R 5 000 monthly contributions, growing at 10% annually over 20 years
Monthly/Annual Fee
R 100/month (or R 1 200/year)
Total platform cost
R 27 263.73
Final Portfolio Value
R 3 392 787.96
Monthly/Annual Fee
1% of portfolio value
Total platform cost
R 779 645.32
Final Portfolio Value
R 2 640 406.37
You keep R 752 381.59 more with Fynbos.
A high-yield savings account backed by the Allan Gray Money Market Fund. Currently earning 7.57% per year.
A TFSA with your choice of one of five curated funds, for maximum growth over a long period of time.
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Create automation rules that split your contributions across accounts automatically. Set it once, invest consistently forever.
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Personalised target setting and recurring contributions based on your financial situation.
We believe in absolute transparency. Here's every cost you'll encounter investing with Fynbos.
R 100/month - Covers platform access, all features, unlimited accounts for you and your family.
R 0/month - When you start with our free option.
Every time you buy or sell an ETF, there are unavoidable statutory costs. Exchange fees, settlement charges, STRATE fees.
What we charge: Zero markup. We pass through the exact costs.
How we reduce these fees: We batch all customer trades each day into single transactions, sharing the settlement fee across everyone. Your cost: around 0.08% per transaction. Among the lowest in South Africa.
All funds (regardless of platform) charge their own annual fees (typically 0.10% - 0.40%). These are set by the fund managers, not Fynbos, and are deducted from the fund itself. You won't see them as line items on your statement.
You can review each fund's fees on their fact sheet, available on their website.
When you withdraw from your Retirement Annuity savings pot, there are regulatory and administrative costs charged by the investment provider. These are not Fynbos fees.
Processing fee: R350 - Charged by the investment provider to process your withdrawal.
Tax directive fee: R28.75 - A statutory fee for SARS to issue a tax directive on your withdrawal.
What we charge: Zero markup. We pass through the exact costs.
That's it. No hidden fees. No surprises.