We've built a proven investment strategy (based on low fees, tax optimisation, and a long term focus) directly into our platform. Simplicity, transparency, automation but still full control and visibility.
Every cent you spend on anything more complex is money wasted.
You don't need a complicated plan to start investing. All you need to succeed is low fees, tax optimisation, and lots and lots of time. Stop procrastinating. Stop worrying. Start with an emergency savings and tax free investment account today.
Life can be unpredictable. When you need some money urgently the last thing you should do is sell your long term investments or take on debt. Having an emergency savings fund is a critical buffer that gives you peace of mind.
Use the handy calculator to work out your optimal emergency savings target.
Add up any unavoidable monthly expenses that you'd still have to pay if you had no income.
This amount should be enough to cover you for 3 months expenses.
Set up automatic transfers through the Fynbos platform. All emergency savings funds are invested directly with Allan Gray.
You can easily track your progress and adjust any amounts if your financial situation changes.
You will be notified on WhatsApp for any important information.
A Tax Free Savings Account (TFSA) is a special account where you can invest without paying tax on your earnings. Everybody under 35 must invest in a TFSA for the long term. That's it.
A TFSA is for investing for the long term because it allows your investments to grow tax-free over time, maximizing compounding gains and long-term wealth.
Slide to the age you start investing in your TFSA.
Assumes a R 3,000 monthly investment up to the maximum lifetime contribution of R 500,000 and a 9.4% annual return, equal to the MSCI World index over the last 40 years.
Fynbos provides access to the top tier funds with no platform fees and the lowest brokerage fees in the industry ensuring you get the best returns and don't waste your money on fees.
Fynbos monitors your TFSA contributions to ensure you're getting the maximum value without any risk of exceeding your annual and lifetime limits.
Current tax year 1 March 2024 to 28 February 2025.
Any money you've contributed elsewhere that you have put towards your tax-free investments.
Fynbos makes it easy for young South Africans to build, track and manage their financial plan.
Our platform uses a tried-and-trusted methodology of low fee, tax-free investing paired with a high yield emergency savings account.
We make it simple to start investing without needing to understand all the jargon or build a complicated personal finance plan or budget.
Our easy-to-use platform makes getting started stupidly simple, and our fees are all 100% transparent. You really might start to love investing.