Share Investing made easy

Transcription

1 Investing made easy Saver Builder Investor Tax-Free s

2 Saver Ever wanted to invest in shares, but don t know which shares to choose? Now you can invest monthly in the top 100 JSE listed companies in South Africa, which means you don t have to choose. We ve done all the legwork. Why choose Saver? makes it Any fine print? Invest from as little as R300 per month, in the top 100 JSE listed companies You can invest a lump sum if you want to You don t have to choose any shares It s quick and easy to get started This is the most affordable way to invest directly on the JSE Begin to build your wealth online Your portfolio risk is spread across top 100 companies Saver allows you to purchase shares in the top 100 companies on the JSE, by in the Ashburton Top40 and Ashburton MidCap Exchange Traded Funds (ETFs) This means, you receive returns linked to the 40 largest listed companies, in terms of market capitalisation (Top40 Index), and the next 60 largest listed companies, in terms of market capitalisation (MidCap Index). s more, compared to a unitised product, ETFs are not actively managed on a day-to-day basis but rather passively managed, which means it comes at a lower cost to you You need to be a South African Citizen You need to invest a minimum of R300 per month You must have a qualifying FNB account More on Saver Saver Builder Investor Tax-Free s

3 Saver (continued) does it Monthly Account Fees (based on portfolio value) 001 R1 000 R0 - R R R Monthly account fees are based on your portfolio value Account fees are calculated on a daily basis and charged monthly Subscription to Online, Cellphone and Telephone Banking and FNB Banking App is free Trading fees are dependent on the trade option you choose *0.50% per annum plus VAT 0.45% per annum plus VAT >R % per annum plus VAT *The monthly account fee for Saver account is 0.5% per annum charged monthly with a minimum of R20 per month. Trade option Brokerage Fee Investor Protection Levy STRATE Settlement charge Securities Transfer Tax (on share purchase) Go back Delayed trades (Today at 15:00) 0.6% (min R40) plus Vat Not applicable 1st trading day of the month 0.10% plus VAT Note: Two trade orders will be placed per instruction - one for the Ashburton Top40 ETF, one for the Ashburton MidCap ETF. Open your account online at All sell instructions shall be considered a delayed trade for the purpose of calculating fees on a sell instruction. This is applicable even if a sell instruction is placed on the 1st trading day of the month. Saver Builder Investor Tax-Free s

4 Builder To help you choose your own shares we ve put together a basket consisting of top performing diversified shares that have gone through a strict selection process which includes analysing both the company and the market in which it operates. In addition, you can also choose to buy selected Exchange Traded Funds (ETF s) as well as. Why choose Builder? makes it Invest in a basket of pre selected JSE blue chip shares and Exchange Traded Funds (ETF s) to get you started. To view the basket go to You can also invest directly in It s quick and easy to get started Learn how to select shares, what companies to look for and how to manage your portfolio Access user-friendly market information to make trade decisions Buy, sell and hold shares via our secure Online Banking platform View your portfolio, cash balance and transaction history Online or via Cellphone Banking Learn the basics of on our informative site Build your knowledge while you grow your wealth Any fine print? does it You need to be a SA citizen You need to be 18 years or older There is no minimum investment or trading amount. All you need is a minimum of R100 in your account to activate and maintain your account. Monthly fee of R35 Subscription to Online, Cellphone and Telephone Banking and FNB Banking App is free Trade fees charged per transaction Trade option Delayed trades (Today at 15:00) Brokerage Fee Investor Protection Levy STRATE Settlement charge Securities Transfer Tax (on share purchase) 0.8% (min R80) plus VAT Saver Builder Investor Tax-Free s

5 Investor Use your experience in the share market to invest in the full range of JSE listed shares and in real time. Why choose Investor? makes it Any fine print? Take control of your financial destiny and build your own wealth It s a competitively priced way of directly in the full range of JSE shares and It s quick and easy to invest with us on our user friendly platform Trade in the full range of JSE listed shares in real-time (prices 15 minute delayed) Buy, sell and hold via our secure online banking platform View your portfolio, cash balance and transaction history Online or via Cellphone Banking Corporate actions dealt with at your discretion Access easy to understand market information You can be a SA citizen or Nonresident citizen, although the fees are different for Non-residents You need to be 18 years or older There is no minimum investment or trading amount. All you need is a minimum of R200 in your account to activate and maintain your account. does it Trade option Brokerage Fee Monthly fee of R65 Subscription to Online, Cellphone and Telephone Banking and FNB Banking App is free Trade fees are dependent on when you choose to trade Non-resident and Emigrant Blocked accounts are charged a monthly account fee of R75 and no VAT is payable on Non-resident accounts Delayed trades (Today at 15:00) 0.8% (min R80) plus VAT Now Trades 0.6% (min R80) plus VAT Investor Protection Levy Not applicable % plus VAT STRATE Settlement charge Securities Transfer Tax (only on share purchase) Not applicable Not applicable 0.25% % (min R10.71 max R70.02) plus VAT Saver Builder Investor Tax-Free s

6 Tax-Free s Imagine a world where you could invest in shares and pay no tax on the capital gain or dividends received. Well, imagine no more. With the FNB Tax Free s Account you can invest in the Top 100 companies on the JSE monthly and pay ZERO tax on your earnings. Why choose Tax-Free s? makes it Any fine print? Investment is in the Top 100 companies on the JSE, and all capital gains and dividends received are tax free Provides you with a diversified portfolio meaning that your risk is spread Investments from as little as R300 per month or a minimum R1 000 once off lump sum You don t have to choose any shares, we do that for you It s quick and easy to get started. Buy and sell your shares easily through Online Banking or the FNB Banking app You can have the benefit of exceptional growth potential through in shares along with it being tax free Tax Free s allows you to purchase shares in the top 100 companies on the JSE, by in the Ashburton Top40 and Ashburton MidCap Exchange Traded Funds (ETFs) You will receive returns linked to the 40 largest listed companies (Top40 Index, by market capitalisation) and the next 60 largest listed companies (MidCap Index, by market capitalisation) Compared to a unitised product, ETFs are not actively managed on a day-to-day basis but rather passively managed, which means they come at a lower cost to you You must have a qualifying FNB account You may not hold more than one Tax-Free s account with FNB A tax year contribution limit of R and lifetime contribution limit of R apply All withdrawals from the account will not be allowed to be replaced All contributions in excess of the limits will be subject to a SARS penalty of 40% You have to be an SA citizen or SA resident Saver Builder Investor Tax-Free s More on Tax-Free s

7 Tax-Free s (continued) does it Monthly Account Fees (based on portfolio value) 001 R1 000 R0 - R R R Monthly account fees are based on your portfolio value Account fees are calculated on a daily basis and charged monthly Subscription to Online, Cellphone and Telephone Banking and FNB Banking App is free Trading fees are dependent on the trade option you choose *0.50% per annum plus VAT 0.45% per annum plus VAT >R % per annum plus VAT *The monthly account fee for Tax-Free s account is 0.5% per annum charged monthly with a minimum of R20 per month. Trade option Delayed trades (Today at 15:00) 1st trading day of the month Brokerage Fee 0.6% (min R40) plus Vat 0.10% plus VAT Investor Protection Levy STRATE Settlement charge Securities Transfer Tax (on share purchase) Not applicable Note: Two trade orders will be placed per instruction - one for the Ashburton Top40 ETF, one for the Ashburton MidCap ETF Open your account online at All sell instructions shall be considered a delayed trade for the purpose of calculating fees on a sell instruction. This is applicable even if a sell instruction is placed on the 1st trading day of the month. Saver Builder Investor Tax-Free s Go back

8 Join the gold rush and invest safely in online. Why choose? makes it Any fine print? does it It s one of the safest investments you can make Invest safely in online The coins range in size from 1 /10 oz, 1 /4 oz, 1 /2 oz up to 1 oz, giving you different price options to choose from For added peace of mind, we offer to keep your in safe custody at Rand Refinery Ltd FNB also guarantees to buy them back from you if you store Krugerrand with us You need to open either a Builder or Investor account The price is dependent on the size of the coin and the gold price on the day of purchase Krugerrand safe keeping fee is charged at 0.86% of market value If you choose to have the coins delivered, it will be at a cost to you Saver Builder Investor Tax-Free s

9 Start in shares and today! To view the full pricing guide please log onto. For more information or should you have any enquiries please contact FNB Investing on 0875 (SHARES) Saver Builder Investor Tax-Free s