How investing works at Fynbos

What is investing with Fynbos?

Fynbos lets you invest in regulated funds through a simple, app-based experience. Instead of paperwork and phone calls, you choose your funds, set a strategy, and transfer money — Fynbos handles the rest.

• Choose from curated funds: Select from unit trusts and ETFs across different asset classes and regions

• Set your strategy once: Define how to split your money across funds, and every transfer follows your plan

• Track your growth: See your balance, contributions, and gains in real time

Investing through Fynbos is designed for anyone who wants to build wealth without needing expert knowledge or a financial advisor.

Investment account types

Fynbos offers three types of investment accounts, each suited to different goals:

All investment accounts let you choose your own funds and set a custom investment strategy.

How your money gets invested

When you transfer money to an investment account, Fynbos automatically creates buy orders based on your investment strategy.

Here's what happens behind the scenes:

1. You transfer money from your Cash account to your investment account

2. Fynbos creates buy orders for each fund in your strategy, split according to your percentages

3. Your money is sent to the investment provider for settlement

4. Once settled, your holdings appear in your account

What this means for you: You don't need to manually buy each fund. Just transfer money and your strategy does the work.

Understanding settlement

Settlement is the process of turning your cash into fund holdings. Different fund types settle at different speeds:

During settlement, your transfer appears as pending in your transaction history. Once complete, you'll see your new holdings reflected in your balance.

Note: Fund prices change daily. The price you receive depends on when your buy order is processed, not when you initiate the transfer.

Your investment strategy

Your investment strategy determines how money is allocated across funds whenever you transfer into an account.

For example, if your strategy is:

• 60% Satrix MSCI World ETF

• 40% Allan Gray Balanced Fund

Every transfer will automatically be split 60/40 between these two funds.

Setting up your strategy

1. Open your investment account

2. Tap the menu icon on the Investment strategy card

3. Select Edit strategy

4. Choose your funds from the available options

5. Set the percentage allocation for each fund

6. Review and confirm your strategy

Your strategy applies to all future transfers. Existing holdings are not automatically rebalanced.

Viewing your holdings

Your investment account shows your current investments at a glance.

For each holding, you can see:

• Current value: What your holding is worth today

• Gain or loss: How much you've made or lost since buying

• Allocation percentage: How much of your portfolio this holding represents

• Target percentage: What your strategy aims for

Tap any holding to see detailed performance charts and transaction history for that specific fund.

Selling your investments

When you need to access your money, you sell your holdings to transfer cash back out.

1. Open your investment account

2. Tap Transfer out

3. Enter the amount you want to sell from each holding

4. Review and confirm the sale

After your sell order settles (2-3 business days), the proceeds transfer to your Cash account. From there, you can withdraw to your bank account.

Important: You can only withdraw from your Cash account. Selling investments is a separate step from withdrawing money.

What is Prescient?

Fynbos partners with Prescient Management Company to hold and administer your investments. Prescient is a licensed Financial Services Provider (FSP) regulated by the Financial Sector Conduct Authority (FSCA).

When you invest through Fynbos:

• Your money is held by Prescient, not Fynbos directly

• Your investments are registered in your name

• You own the underlying fund units

Fynbos provides the interface and experience. Prescient ensures your assets are safely held and properly administered according to South African regulations.