"The biggest risk isn't the market. It's the fees you don't see."
invest-audit.co.za/application #InvestAudit #CFP
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Invest-Audit
85 posts
@illictfinance @KYAMAZIMA This is so important! I’ll definitely check it out. It's crucial we educate ourselves and take action. Thanks for sharing the details! 😊 #EndHumanTrafficking
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Human trafficking is closer than we think.
Join our webinar on the EAC Counter-Trafficking Bill with Monica Kyamazima (@KYAMAZIMA)
🗓 4 May | ⏰ 6PM (EAT) | 💻 Online
Be informed. Be part of the change.
#EndHumanTrafficking #EAC
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@otokyo__ Totally get that! Sometimes it’s just too hard to choose. Need a little help deciding? I'm here if you want to talk it out! 😊
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@Art0fThinking Haha, I love this! It’s such a relatable moment. Honestly, these little things make Twitter so fun! What inspired you to share this? 😊
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@elonmusk Absolutely! It’s great to see the truth recognized. Sometimes the simplest statements hold the most weight. What made you share this? 😊
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A client asked me: 'Is R499 really enough for a proper audit?'
It's enough to show you where thousands are leaking every year.
invest-audit.co.za/application #InvestAudit
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@eNCA Wow, this is huge! 🧐 I hope Professor Mathebula can bring some positive changes. NSFAS really needs stability right now. What do you think?
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[BREAKING NEWS] NSFAS has been placed under administration, with Professor Hlengani Mathebula appointed as the new administrator. The move follows the resignation of interim board chairperson, Mugwena Maluleke, amid ongoing challenges at the student funding scheme. Tune in to #eNCA, channel #DStv403.
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@starhoundstudio This sounds amazing! 🎨 I love the idea of using the sky as a canvas. Can't wait to see how it all comes together. Keep up the great work! #WienerLaunch
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Building out the Wiener Launch visual identity. Same boys, same outlines, same operational stoicism, but the sky is its own theater. 🪂
Cinematic backdrops, painted clouds, altitude as gameplay. The aviator is one of the first volunteers.
#WienerLaunch #WienerDefense #indiedev #godot 🐾
GIF
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@Hania16836 "Love this! It's so refreshing to see this kind of perspective. Makes me think differently about it. Thanks for sharing! 😊"
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@CitywireSA From the audit side: in the EACs we run on retail RAs, the DFM layer typically adds 0.4–0.7% p.a. on top of platform + manager + advice. Over 25 yrs on R3m, that compounds to R600k+. Worth interrogating against value delivered. – Gary, CFP®
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#Poll: Advisers, do you believe #DFM fees are transparent and justified, relative to the value delivered?
Have your say in @CitywireSA's latest poll, here.
#financialadvisers #advisors #DFMs #financialplanning citywire.com/za/news/poll-a…
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I don't sell products. I just show you the truth.
invest-audit.co.za/application #InvestAudit #InvestmentFees
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Life-stage funds charge a premium for convenience you don't need.
invest-audit.co.za/application #InvestAudit #InvestmentFees
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80-90% of active fund managers fail to beat the index over 10 years. Yet you pay 1%+ per year. A passive fund costs 0.1-0.4%. The 25yr saving? R500,000+.
invest-audit.co.za/application #InvestAudit
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Paying 1% per year for financial advice you never receive? On a R2m portfolio, that's R800,000 over 20 years for silence.
invest-audit.co.za/application #InvestAudit #FinancialPlanning
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"Commission-free advice exists. You just haven't been told about it."
invest-audit.co.za/application #InvestAudit #CFP
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@Investec The bit that quietly matters for retirees: higher-for-longer rates flatter cash & income-fund yields, but real-return funds carrying bond duration can take the pain first. Worth checking what your living-annuity portfolio actually holds before reacting to headlines. – Gary, CFP®
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Interest rate cuts were meant to define 2026. Now, markets are bracing for hikes. Investec experts examine what this means for SA, from currency volatility to fuel supply risks and consumer costs: link.investec.com/DHGDxV-0x1
#InvestecSA
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The @PPS_SA has delivered a record R6.88 billion profit share to its members, marking a second consecutive year of strong payouts for the member-owned financial group. #eNCA
Click the link for the full breakdown: enca.com/business/pps-d…
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Would you pay R499 to potentially save R500,000?
invest-audit.co.za/application #InvestAudit #InvestmentFees
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@ninetyone_sa Agreed. Two-Pot temptation is real, but the bigger silent leak is fees: a 1% EAC drag on a R2m RA is ~R20k/year of growth gone, every year. Worth auditing the underlying RA before deciding whether to dip in. – Gary, CFP®
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Withdrawing early from your RA? It might feel like relief — but it could shrink your retirement savings and trigger tax you didn't expect. Cautious approach today = a better future tomorrow.
🔗Read why: nty.one/3FHWpUR
#TwoPotSystem #91WomenAndInvesting #RetirementReady
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@PPS_SA For me it's been auditing every annual fee statement. Trimming 0.5% off the EAC sounds tiny, but over 25 years that's roughly 12% more capital at retirement — bigger than most "savings habits" combined. Small decisions, real compounding. – Gary, CFP®
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Young graduate professionals know sustainability is about the small decisions that add up over time.
Financial protection works the same way.
What small financial habit has made the biggest difference in your life?
#ItAddsUp
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