Explore your money options
Savings, Investments & Trading in South Africa
Explore savings accounts, investment platforms, ETFs, shares, trading services and retirement options available to South Africans. Understand the fees, risks and important differences before choosing a provider.
Not all money products work the same way
Saving
Often focuses on access to money and interest. Protection of the capital depends on the product. A unit trust is not a bank deposit.
Investing
Usually aims to build wealth over time. The value can fall. Fees and the mix of assets change the outcome.
Trading
Usually means buying and selling more often. Forex and contracts for difference can use leverage, and losses can be large.
Retirement planning
Focuses on money for later life. Tax treatment and access rules are specific. Growth is not guaranteed.
Savings
Save with more confidence
Explore ways to save money in South Africa, from everyday savings accounts to fixed deposits and money market funds. Compare access to your money, interest structures and important account conditions.
Savings accounts
Everyday accounts for money you may need soon. See how access, interest and fees differ before you move cash.
Explore guideHigh-interest savings
Accounts that advertise a higher rate. Check the balance rules and whether that rate can change.
Explore guideFixed deposits
A set term for a published rate. Early withdrawal can cost you. Compare the term and the minimum.
Explore guideNotice accounts
You give notice before you withdraw. Confirm the number of days and any charge for taking money earlier.
Explore guideMoney market funds
Unit trusts that hold short-term instruments. They are not the same as a bank deposit.
Explore guideRSA Retail Savings Bonds
Government retail bonds with a coupon for a set issue window. They are not a bank deposit.
Explore guide
Investments
Build your long-term investment knowledge
Discover investment platforms, tax-free investment accounts, ETFs, unit trusts and other ways to gain market exposure. Understand costs, investment risks and the options available to South African investors.
Compare providers, fees and investment features
Investment platforms
The account you use to buy funds and sometimes shares. Separate the platform fee from the fund fee.
Explore guideTax-free savings accounts
A tax-free investment with an annual limit, a lifetime limit and a penalty if you contribute too much.
Explore guideETFs listed in South Africa
Listed funds that track a market. The price can fall. A lower fee does not make a fund the right one.
Explore guideUnit trusts
Funds priced once a day, often in more than one class. Fees differ by class. Performance is not ranked here.
Explore guideOffshore investing
Rand-priced funds that hold foreign markets, and accounts that hold foreign currency. They are different choices.
Explore guideJSE shares
Owning a company listed on the JSE. One share concentrates the risk. No dividend tip is published here.
Explore guideGold investing
Coins, exchange-traded gold and mining shares. A mining share is not the same as holding a Krugerrand.
Explore guideProperty and REITs
Listed property companies and property funds. A qualifying REIT distribution is generally taxed as income.
Explore guide
Trading
Understand trading platforms and risks
Compare platforms offering share dealing, forex, cryptocurrency and derivatives. Learn how brokerage fees, spreads, leverage and custody arrangements affect trading costs and risks.
Explore platforms, products and costs
Forex and CFD trading can involve leverage and substantial losses. Trading is not a guaranteed source of income.
Share trading platforms
Brokers for JSE and international shares. Confirm whether you own the share, then read the brokerage schedule.
Explore guideForex trading
Currency derivatives. Leverage can magnify a loss. The brand on the website may not hold your account.
Explore guideCryptocurrency exchanges
Platforms for crypto assets. These are not bank deposits. Custody and any authorisation still need checking.
Explore guideCommodities trading
Futures, contracts for difference, funds and mining shares. None of these is the metal or the barrel itself.
Explore guideCFD trading
A leveraged contract on a price. You generally do not own the underlying asset. Losses can happen quickly.
Explore guideTrading platform fees
Brokerage, monthly charges, spreads and financing. A missing fee is not zero, and a checked tariff is labelled.
Explore guide
Retirement
Plan for your financial future
Understand South African retirement products, preservation options and the decisions that can affect your long-term financial security.
Retirement annuities
Retirement savings with tax rules and restricted access. This is not an ordinary account you can draw at will.
Explore guidePreservation funds
A place for a retirement benefit when you change jobs. Withdrawal rules depend on the fund and on vested rights.
Explore guideLiving annuities
Income drawn from invested capital. The income is not guaranteed for life. Markets and the drawdown both matter.
Explore guideRetirement planning
Education and tools for retirement decisions. A product provider is not automatically an independent adviser.
Explore guide
How to use this page
WiT Money provides general financial information and comparisons to help South Africans understand their options. Financial products carry different costs, conditions and risks. Information may change, and this content is not personalised financial advice.