Investing is different for everyone and having a plan is important.

As a new investor you should to have an understanding of:

• Your Investment Goals 
  (your reason for investing and the time horizon you have available to achieve your goal)
• Your Risk Tolerance
  (how much risk you are willing, an able to take with your asset allocation)
   

Answering these questions will help you build a plan that gives your money a chance to grow by taking a long-term approach, and being conscious of fees and using diversification to manage investment risk.

Learn More About Risk Profiles

Once you’ve established what you want to achieve with your investments, it’s time to find your fund match.

High risk investments are associated with high rewards, but they require more time. The inverse is expected on the other end of the risk spectrum. Fortunately, there are also investments that strike a balance and these are known as moderate-risk funds.

Some investors may wish to start with funds based on themes they easily understand or are interested in. Most investment fund strategies are indicated on the label, for example:

• A Top 40 fund means the instrument (or fund) invests in the top 40 companies of a specific exchange or country. An example is the Satrix Top 40 ETF. A Nasdaq 100 instrument (or fund) would indicate the top 100 shares listed on the Nasdaq exchange. An example is the Satrix Nasdaq 100 ETF.
• There are industry-specific funds as well. For example, FINI, RESI, INDI means the fund tracks companies based in finance (FINI), resources (RESI), and industrials (INDI) sectors respectively. Satrix has funds in each of these categories.
• Country or region-based funds are also indicated by name, for example, the MSCI China and MSCI India refer to companies listed in China and India respectively. Examples are the Satrix MSCI China ETF and Satrix MSCI India ETF. 
• Specific asset-based funds indicate the types of investment vehicles they track. A fund with the ‘bond’ name in it indicates that it invests in bonds. And multi-asset funds will aim to strike a ‘balance’ in their objective so are often called a ‘balanced fund’. Examples are the Satrix Local Bond ETF and Satrix Balanced Index Fund. 
• Some funds are named after investment strategies. These ‘factor’ funds range from ‘momentum’ to ‘quality’ to ‘value’ among other factors in the market. Satrix offers funds in each of these categories too.

If all of these still seem overwhelming, we have got you covered. The Satrix Access Range is a great place to start - its a range of our five flagship funds that offer a great variety for a new investor to consider.

Learn More About the Access Range
 

Choosing the right type of investment account is important because they come with different benefits. The SatrixNOW platform offers three different accounts:

1. Standard SatrixNOW Account (ZAR)
You will automatically receive a ZAR account upon registration. It’s a discretionary account which you can use to invest in a wide range of ETFs and unit trusts.

2. Tax-Free Savings Account (TFSA) 
You will also receive a TFSA account when you register. Profits, income, and dividends earned in the TFSA are not taxed, which means more potential for compounded growth. There are legislated limits to a TFSA so be aware of these, click here to find out more.

3. Retirement Accounts 
Retirement Annuities, Preservation and Pension Funds are also tax-efficient vehicles. However, their limitations differ from the TFSA and follow stricter withdrawal rules and investment opportunities. You are able to activate these accounts at any time.

Having an understanding of your account features will help you align your choices with your financial goals, time horizon, and tax considerations.
 

Every journey begins with a single step. Begin your investment journey equipped with knowledge about what you want to achieve and not suffer dreaded analysis paralysis.

Your investment journey can start with a few simple clicks, when you register your SatrixNOW account.

There are no investment minimums required to start. You can invest R10 if you wish, or more!

Funding your account is simple and flexible too. You can make investing a habit by enabling recurring investments, or as-and-when you like through EFT deposits. Also, be aware of fees so you have all the information you need.

Start small, or start big, but Just Start.
 

Just Start