Creating an investment account

What is an Investment Account?

An Investment Account is a flexible account for investing in a range of funds with a custom strategy. Unlike your Tax-Free Savings Account, there are no contribution limits or restrictions on withdrawals.

• Flexible investing: No annual contribution limits or withdrawal penalties

• Custom strategies: Choose your own funds and allocation percentages

• Multiple accounts: Create as many Investment accounts as you need for different goals

Use an Investment Account when you want to invest beyond your TFSA limits, save for medium-term goals, or build a portfolio tailored to specific objectives.

Before you start

To create an Investment Account, you need:

• A verified Fynbos account (KYC complete)

• A name for your new account

You can create an Investment Account at any time from your home screen. There's no minimum balance required to open the account.

Creating your account

Follow these steps to create a new Investment Account.

1. Tap Add account on your home screen

2. Select Investment account from the list of account types

3. Enter a name for your Investment Account in the Investment account name field

4. Tap the colour circle to choose a colour for your account

5. Use the shuffle button to change your account's icon

6. Review your account preview at the bottom of the screen

7. Tap Continue to create your account

Your new Investment Account is created immediately. You'll be taken to the account view where you can set up your investment strategy and start transferring money.

Naming your account

Choose a name that reflects what you're saving for. This helps you stay organised, especially if you create multiple Investment accounts.

Examples of useful names:

• House deposit

• Sabbatical fund

• Share portfolio

• Long-term growth

Your account name appears on your home screen and in your transaction history, so pick something meaningful to you.

Choosing a colour

Each Investment Account can have its own colour. This makes it easy to identify different accounts at a glance on your home screen and in charts.

Available colours include rose, orange, yellow, green, sky, blue, indigo, and purple. Tap the colour circle next to the name field to open the colour picker.

Creating multiple accounts

You can create as many Investment accounts as you need. Each account has its own:

• Name and colour

• Investment strategy

• Holdings and balance

• Transaction history

This lets you separate different investment goals. For example, you might have one account focused on local funds and another for global exposure, or separate accounts for different time horizons.

To create another Investment Account, simply repeat the steps above from your home screen.

What happens next

After creating your Investment Account, you'll want to:

1. Set your investment strategy — Choose which funds to invest in and how to split your money between them

2. Transfer money — Move funds from your Cash account to start investing

3. Set up automation — Optionally create rules to automatically allocate incoming deposits

Your Investment Account is ready to use as soon as it's created. Any money you transfer in will be invested according to your chosen strategy.