Lime Capital
Learn how capital markets work. Understand unit trusts, compare fund performance, and protect your legacy — from your first ETF to estate planning.
From first investment to legacy protection.
Learn to Invest
Understand unit trusts, ETFs, and how to build your first portfolio from as little as R500 a month.
ExploreCompare Funds
See how SA’s top unit trusts perform against global benchmarks over 10 years — real data, real context.
ExploreWills & Estates
Protect your legacy with a professionally drafted Will — and ensure your assets go where you intend them to.
ExploreHow to start investing.
A beginner's guide to building wealth through unit trusts and ETFs — the two most accessible investment vehicles in South Africa.
What is a Unit Trust?
A unit trust pools money from many investors to buy a diversified portfolio of assets. Professional fund managers make the investment decisions. You buy “units” which represent your share of the fund. Minimum investments can be as low as R500/month.
- Professionally managed
- Diversified across assets
- Regulated by FSCA
What is an ETF?
An Exchange-Traded Fund trades on the stock exchange like a share. It tracks an index (like the JSE Top 40 or S&P 500) and offers instant diversification at very low cost. You can buy ETFs through any stockbroker or investment platform.
- Low fees (TER often under 0.15%)
- Trades like a share on the JSE
- Instant diversification
Key Concepts
Compound Interest
Earning returns on your returns. The earlier you start, the more powerful it becomes.
Diversification
Don’t put all your eggs in one basket. Spread across asset classes, sectors, and geographies.
Time in Market
Staying invested through ups and downs beats trying to time the market. Think decades, not days.
How SA's top funds stack up.
If you had invested R10,000 ten years ago, here's what it would be worth today across four of the most-watched investment vehicles in South Africa.
Growth of R10,000
10-year period · Illustrative data through Dec 2024
Returns are approximate annualized figures. S&P 500 in ZAR includes currency movement. Inflation based on ~5.2% avg SA CPI over 10 years.
The Time Value of Money
A Rand today is worth more than a Rand tomorrow. That's not a saying — it's a financial principle. Because of inflation, money loses purchasing power over time. The R10,000 you hold today will buy less next year, and significantly less in a decade.
In South Africa, inflation has averaged roughly 5.2% per year over the past decade. That means your R10,000 would need to grow to at least ~R16,500just to buy the same basket of goods it buys today. Anything below that line and you've actually lost real wealth — even if the number in your account went up.
This is why investment returns should always be measured against inflation, not against zero. A savings account paying 4% sounds positive — until you realise inflation is running at 5%. Your money grew, but your purchasing power shrank. That's the difference between a nominal return (the number) and a real return (what you can actually buy).
The Inflation Test
Did your investment beat inflation?
Real return verdict
The bottom line
If your investment isn't beating inflation, you're not growing wealth — you're slowly losing it. The red inflation line on the chart above is your real benchmark. Everything below it is a loss in disguise. Everything above it is genuine wealth creation.
Annualized Returns Comparison
| Fund / Index | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
AG Money MktMoney Market | 8.4% | 7% | 6.3% | 6.2% |
JSE Top 40Equity Index | 9.8% | 9.5% | 10.1% | 8.5% |
Coronation Balanced PlusMulti-Asset High Equity | 15.1% | 11.2% | 9.8% | 8.8% |
Allan Gray BalancedMulti-Asset High Equity | 14.2% | 11.8% | 9.6% | 9.2% |
S&P 500Equity Index (USD→ZAR) | 32.4% | 16.8% | 17.2% | 18.4% |
SA’s most recognised money market fund. Capital preservation with returns that track interest rates. Near-zero risk of losing money — the benchmark for “do nothing” investing.
The 40 largest companies on the Johannesburg Stock Exchange by market cap. Accessible through low-cost ETFs like the Satrix Top 40.
A flagship South African balanced fund with one of the longest track records. Widely held in retirement funds and retail portfolios alike.
One of SA’s largest and most trusted balanced funds. Known for a contrarian, value-oriented investment style and long-term consistency.
The 500 largest US-listed companies. In Rand terms, returns include both index growth and currency movement — the Rand weakened significantly over 10 years.
Important Disclaimer
All performance data shown is illustrative and based on approximate historical returns. Past performance is not indicative of future results. These figures are for educational purposes only and do not constitute financial advice. Always consult an authorised financial adviser before making investment decisions. Verify current data on the official fund fact sheets linked above. #ThisIsNotFinancialAdvice
Pay your home loan off years earlier.
Run your home loan through the accelerator. Try an extra monthly contribution and watch the payoff term shorten — and how much interest you save by doing it.
Step 01 — your home loan
What does your home loan look like?
Pays the home loan off in the original 20 years.
Step 02 — what changes
Your repayment, accelerated.
Balance over time
Estimates only. Rates & taxes assume ~0.7% of property value per year. Your actual home loan instalment depends on your bank’s offer, life cover, and any structured fees. Use this as a guide for what extra contributions could unlock, not as a binding quote.
Platform DataWhere people like you
are investing.
Real investment behaviour from 2.6 million South Africans on EasyEquities — what they buy, how they allocate, and what the top performers do differently. Data sourced from Purple Group (JSE: PPE) public filings and reports.
2.6M
Registered investors
R80.7B
Assets on platform
30
Median age
R5.2K
Avg half-year inflow
Top 10 Most-Held Investments
By portfolio weight across all EasyEquities accounts
How They Allocate
Platform-wide asset split
Most-Bought ETFs
Jan–Jun 2024 by value purchased
Satrix S&P 500
7yr People's ChoiceSatrix Nasdaq 100
Satrix Top 40
SA benchmarkThe best-performing accounts allocate 59% to ETFs and 75% hold tax-free savings accounts— primarily invested in S&P 500 trackers.
~40%
of holdings are in tech
Nvidia, Tesla, Apple, and Naspers dominate retail portfolios.
75%
of top performers hold TFSAs
The best-performing 1% invest primarily via tax-free savings accounts.
42%
female investors
Closing the gender gap — up from traditional industry averages of ~25%.
56%
joined via referral
Word of mouth drives more signups than any marketing campaign.
·Source: Purple Group (JSE: PPE) FY2025 annual results, EasyEquities blog, Moneyweb, Daily Investor. Data reflects platform-wide trends and is for educational context only.
Getting Started
Step 01
Choose a platform
Easy Equities, Satrix, Allan Gray, Coronation. Most let you start with as little as R500.
Step 02
FICA & verify
Complete KYC/FICA with your ID and proof of address. Usually done online in minutes.
Step 03
Pick your vehicle
Unit trust for managed investing, ETF for low-cost index tracking. Start with what matches your risk appetite.
Step 04
Set up a debit order
Consistency beats timing. Set up a monthly debit order and let compound interest do the work.
Invest in Startups. Together.
For young professionals with a higher risk appetite — pool your capital with 4 others and invest in early-stage startups through our angel network.
5 Investors
R10,000 each
R50,000
Combined angel round investment
How It Works
Express Interest
Register your interest in joining an angel syndicate. No commitment required.
Get Matched
We match you with 4 other investors to form a 5-person syndicate.
Review Deals
Your syndicate reviews pre-vetted startup opportunities from our angel network.
Invest Together
Each member contributes R10,000 for a combined R50,000 angel round investment.
Access Angel Deals
Get into startup rounds typically reserved for investors with R50K+ minimums.
Shared Due Diligence
Five perspectives are better than one. Evaluate deals as a group with diverse expertise.
Portfolio Approach
Spread your risk across multiple startups instead of concentrating on a single bet.
Guided by Experience
Led by an active angel investor with direct access to SA’s startup ecosystem.
Limited to 30 founding syndicate members
Ready to back the next generation
of African startups?
Express your interest below. No commitment — we'll reach out with details on upcoming deals and how syndicates are structured.
#ThisIsNotFinancialAdvice · Angel investing carries significant risk including loss of capital.
Prefer Lower Risk?
Explore the Lehumo Community Trust
Not ready for angel investing? Lehumo pools community capital into regulated, diversified investment vehicles — from as little as your monthly contribution. No minimum check size needed.
Why every adult needs
a valid Will.
A Will is a legally binding document that lets you choose who inherits your assets, who looks after your children, and who manages your estate when you're no longer here. Without one, the law decides for you.
Did you know?
If you die without a Will in South Africa, your estate is distributed under the Intestate Succession Act — your partner, children, or family may not receive what you intended.
You choose who inherits
Without a Will, your estate is distributed according to the Intestate Succession Act — which may not reflect your wishes at all.
Protect your children
Nominate a legal guardian for your minor children. Without one, the court decides — and the process can take months.
Appoint your executor
Choose a trusted person or firm to manage your estate. Otherwise, the Master of the High Court appoints one for you.
Minimise disputes & delays
A valid Will speeds up the administration process and reduces the chance of costly legal disputes between family members.
Draft your Will in 4 simple steps.
Powered by our partnership with Simelane Attorneys Inc (PSA Law) — professional, affordable, and fully compliant with South African law.
Consultation
A 30-minute session with PSA Law to understand your assets, dependants, and wishes. In-person at their Bryanston offices or virtual.
Will Drafting
Your Will is drafted by a qualified attorney — legally compliant, clear, and tailored to your specific situation.
Review & Sign
You review the draft, request changes if needed, then sign in the presence of two competent witnesses (14+ years old).
Safekeeping
Your signed Will is stored securely. You receive a copy and can request a free annual update to keep it current.
Exclusive PackageComprehensive Estate Planning
Will drafting + estate advisory — one package, one price
once-off · incl. VAT
What's Included
What happens to
your estate?
Estate administration is the legal process of winding up your affairs after death. A valid Will with a nominated executor makes this process significantly faster, cheaper, and less stressful for your loved ones.
Professional estate administration handled end-to-end — from reporting to final distribution. Your family won't have to navigate the legal process alone.
Reporting
Death is reported, documents gathered, and the estate is lodged with the Master of the High Court.
Executor Appointed
The nominated executor receives Letters of Executorship and notifies creditors.
Liquidation
Debts are settled, tax returns filed, and a Liquidation & Distribution account is prepared.
Distribution
Assets are transferred and inheritance paid out to beneficiaries as directed by the Will.
Simelane Attorneys Inc
A 100% black-owned boutique law firm based in Bryanston, Sandton. We've partnered with PSA Law to offer professional Will drafting and estate planning services — qualified, experienced, and committed to making this process accessible for every South African.
- Professionally drafted Wills
- Secure document safekeeping
- Full estate administration
- Annual Will review & updates
Knowledge is the first
investment.
Whether you're buying your first ETF or planning your estate — we help you understand what you're getting into before you commit your capital.
#ThisIsNotFinancialAdvice · All content is for educational purposes only