Are you paying for your investment or paying for your wealth? Rethinking how investment fees work. Originally aired on Channel Africa, 7 September 2026. Watch the full interview on YouTube.

Adrian Hope-Bailie, co-founder of Fynbos Money, joins Poppy Ntshongwana and Ntsako Mhlanga on Channel Africa to talk about investment fees and why they matter more than most people think.

The conversation focuses on how percentage-based fees quietly grow as your money grows, why a flat monthly fee is fairer, and why you don’t need a lot of money to start investing.

What this interview covers:

• Why many platforms charge a percentage of your balance, and how that means your fees go up as your savings do

• Why it costs a platform the same to serve someone with R 10 000 invested as someone with R 1 000 000

• The case for a flat monthly fee instead of a percentage-based one

• Why you don’t need a lot of money to get started

• How starting small, paying yourself first and letting time do the work adds up