Thoughts on money, investing, and building Fynbos.

Practical takes on personal finance, product updates, and what we're learning along the way.

01 July 2026

The cost of waiting: what 5 years of “I’ll start soon” took from you

Delaying a R1,000/month investment by five years costs approximately R674,000 in lost growth. This article shows South African investors exactly what waiting is costing them and the one move to stop the clock today.

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01 July 2026

If your investment fee is 1.5%, here’s what it actually costs you, in rands

Most South African investors have never seen their fees in rands. A 1.5% annual fee on R500k costs R7,500 every year and far more over time. Here's the number nobody showed you.

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01 July 2026

Why percentage fees exist and why they're so hard to question

A 1.5% annual fee on a R500,000 portfolio costs R7,500 every year. Here is why the industry charges percentages, who benefits from the model and the one question worth asking every provider you use.

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