A Tax Free Savings Account (TFSA) is exactly what it sounds like. A way to save without dishing a chunk of your earnings out to SARS. Thank you National Treasury! Now you won’t get taxed on the moolah you make from TFSA investments; including interest, dividends and capital gains.

Buy A TFSA Basket

We’ve got four baskets waiting to be picked as part of your tax free strategy – they’re jam packed with some awesome ETF’s and themed according to your investing flavour: aggressive, balanced, moderate or conservative. The baskets are constructed by the Emperor Asset Management Chief Investment Officer and all round smart guy (drumroll!) Tom de Lange. Why we love them? It’s crème de la crème investing for cheap ala cheap.

Details on the EasyEquities Baskets

BASKET NAME DESCRIPTION
Emperor Asset Management ETF Baskets
Aconcagua Growth Basket

Aconcagua Growth BasketBUY NOW
Basket fee: 0.5%

Risk score range: 50-90

A risk score in this range represents investors that are comfortable suffering a loss of up to -14% in pursuit of positive returns of up to +21% over a six-month period. This investor is often referred to as a balanced investor.

Investment strategies that satisfy this group are primarily focused on “balancing” investment in assets that take a higher degree of uncertainty of returns in the pursuit of higher returns against making investments in assets that provide a higher degree of certainty of return. As such an investor in this group is comfortable enduring significant short-term losses of their capital in exchange for long-term gains and have a long-term time horizon.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 65.

Available on: EasyEquities and TFSA accounts

Basket Fee: 0.5%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +7.22% or approximately +13.22%

There are no guarantees this targeted return will be earned.

Denali Growth and Income Basket

Denali Growth and Income BasketBUY NOW
Basket fee: 0.5%

Risk score range: 35-70

A risk score in this range represents investors that are comfortable suffering a loss of up to -10% in pursuit of positive returns of up to +15% over a six-month period. This investor is often referred to as a moderate investor.

This group want to achieve both capital growth and investment income. Investment strategies that qualify favour assets that offer certainty of return over the uncertainty of return. However, they do strive to strike a good balance of growth and income and in order to achieve this must be comfortable with enduring reasonable short-term losses of their capital in exchange for longer term gains.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 50.

Available on: EasyEquities and TFSA accounts

Basket Fee: 0.5%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +6% or approximately +12%

There are no guarantees this targeted return will be earned.

Everest Aggressive Basket

Everest Aggressive BasketBUY NOW
Basket fee: 0.5%

Risk score range: 75 - 99

A risk score in this range represents investors that are comfortable suffering a loss of up to -18% in pursuit of positive returns of up to +27% over a six-month period. This investor is often referred to as an aggressive investor.

Investment strategies that satisfy this group are focused on capital appreciation as a primary investment objective, rather than income preservation. As such aggressive portfolios are biased towards investing in assets with a higher degree of uncertainty of returns in the pursuit of greater returns.  This approach is suitable for those investors that are very comfortable with enduring large short-term losses of their capital in pursuit of the desired long terms returns. Typically, these are young investors with a very long time horizons and higher risk scores. However, aggressive portfolios also serve those that have not invested appropriately for their retirement and now have little option but to take substantially more investment risk.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 80.

Available on: EasyEquities and TFSA accounts

Basket Fee: 0.5%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +8.84% or approximately +14.84%

There are no guarantees this targeted return will be earned.

Kilimanjaro Conservative Basket

Kilimanjaro Conservative BasketBUY NOW
Basket fee: 0.5%

Risk score range: 01-45

A risk score in this range represents investors that are comfortable suffering a loss of up to -6% in pursuit of positive returns of up to +10% over a six-month period. This investor is often referred to as a conservative investor.

Conservative investment strategies primarily seek to preserve capital by investing in lower risk assets. Investment strategies that satisfy this group are heavily focused on investment in assets that have a higher degree of certainty of return, over the uncertainty of return sacrificing higher return investment opportunities.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 33

Available on: EasyEquities and TFSA accounts

Basket Fee: 0.5%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +3.88% or approximately +9.88%

There are no guarantees this targeted return will be earned.

Elbrus Capital Preservation  Basket

Elbrus Capital Preservation BasketBUY NOW
Basket fee: 0.5%

Risk score range:  1-45

A risk score in this range represents investors that are comfortable suffering a loss of up to -4% in pursuit of positive returns of up to +10% over a six-month period. This investor is often referred to as a capital preservation investor.

This group want to preserve their income. Investment strategies that qualify favour assets that offer certainty of return over the uncertainty of return. Therefore this is aimed at investors who would not only like to take on minimal risk but also gain exposure to fixed income and money market products.  This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 30.

Available on: EasyEquities and TFSA accounts

Basket Fee: 0.5%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of 6% (inflation)

There are no guarantees this targeted return will be earned.

Emperor Asset Management Bundles
Aconcagua Growth Bundle

Aconcagua Growth BundleBUY NOW
Basket fee: 1%

Risk score range: 50-90

A risk score in this range represents investors that are comfortable suffering a loss of up to -14% in pursuit of positive returns of up to +21% over a six-month period. This investor is often referred to as a balanced investor.

Investment strategies that satisfy this group are primarily focused on “balancing” investment in assets that take a higher degree of uncertainty of returns in the pursuit of higher returns against making investments in assets that provide a higher degree of certainty of return. As such an investor in this group is comfortable enduring significant short-term losses of their capital in exchange for long-term gains and have a long-term time horizon.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 65.

Available on: EasyEquities and TFSA accounts

Bundle Fee: 1%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +7.22% or approximately +13.22%

There are no guarantees this targeted return will be earned.

Denali Growth and Income Bundle

Denali Growth and Income BundleBUY NOW
Basket fee: 1%

Risk score range: 35-70

A risk score in this range represents investors that are comfortable suffering a loss of up to -10% in pursuit of positive returns of up to +15% over a six-month period. This investor is often referred to as a moderate investor.

This group want to achieve both capital growth and investment income. Investment strategies that qualify favour assets that offer certainty of return over the uncertainty of return. However, they do strive to strike a good balance of growth and income and in order to achieve this must be comfortable with enduring reasonable short-term losses of their capital in exchange for longer term gains.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 50.

Available on: EasyEquities and TFSA accounts

Bundle Fee: 1%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +6% or approximately +12%

There are no guarantees this targeted return will be earned.

Everest Aggressive Bundle

Everest Aggressive BundleBUY NOW
Basket fee: 1%

Risk score range: 75 - 99

A risk score in this range represents investors that are comfortable suffering a loss of up to -18% in pursuit of positive returns of up to +27% over a six-month period. This investor is often referred to as an aggressive investor.

Investment strategies that satisfy this group are focused on capital appreciation as a primary investment objective, rather than income preservation. As such aggressive portfolios are biased towards investing in assets with a higher degree of uncertainty of returns in the pursuit of greater returns.  This approach is suitable for those investors that are very comfortable with enduring large short-term losses of their capital in pursuit of the desired long terms returns. Typically, these are young investors with a very long time horizons and higher risk scores. However, aggressive portfolios also serve those that have not invested appropriately for their retirement and now have little option but to take substantially more investment risk.

This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 80.

Available on: EasyEquities and TFSA accounts

Bundle Fee: 1%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of inflation +8.84% or approximately +14.84%

There are no guarantees this targeted return will be earned.

Elbrus Capital Preservation  Bundle

Elbrus Capital Preservation BundleBUY NOW
Basket fee: 0.75%

Risk score range:  1-45

A risk score in this range represents investors that are comfortable suffering a loss of up to -4% in pursuit of positive returns of up to +10% over a six-month period. This investor is often referred to as a capital preservation investor.

This group want to preserve their income. Investment strategies that qualify favour assets that offer certainty of return over the uncertainty of return. Therefore this is aimed at investors who would not only like to take on minimal risk but also gain exposure to fixed income and money market products.  This is achieved through asset allocation and then by identifying the best performing qualifying assets capable of delivering the return objectives of the investor with a 95% probability of staying within the investors comfort zone. E.g. the average investor for this group is represented by a risk score of 30.

Available on: EasyEquities and TFSA accounts

Bundle Fee: 0.5%

Calculate your risk number here

Portfolios with this risk number are targeting an annual return of 6% (inflation)

There are no guarantees this targeted return will be earned.

#Advicement Public Bundles
Advicement Conservative Income Bundle

Advicement Conservative Income BundleBUY NOW
Basket fee: 0.5%

The Advicement Bundle targets a specific risk orientated investment objective that is constrained to achieve benchmark equivalent returns. The Advicement Bundle is engineered using quantitative technologies that enable the manager of the bundle to focus on the investment objective without introducing cognitive biases or compromising the investment objective with concerns about anticipating future market performance. The bundle includes constraints commensurate with the constraints of funds in the ASISA South African Multi-Asset Low Equity Category in order to allow the bundle to maintain its low medium risk profile. The Advicement bundle comprises of ETFs in order to best meet the lower cost constraints. The low cost of the underlying instruments together with the use of sophisticated diversification techniques, allows the Advicement Bundle to pass performance benefits to the investor. The Advicement Bundle objective is to achieve similar returns compared to that of the average fund in the ASISA South African Multi-Asset Low Equity Category with similar risk.

For more information please visit the Advicement Website.

Advicement Growth and Income Bundle

Advicement Growth and Income BundleBUY NOW
Basket fee: 0.5%

The Advicement Bundle targets a specific risk orientated investment objective that is constrained to achieve benchmark equivalent returns. The Advicement Bundle is engineered using quantitative technologies that enable the manager of the bundle to focus on the investment objective without introducing cognitive biases or compromising the investment objective with concerns about anticipating future market performance. The bundle includes constraints commensurate with the constraints of funds in the ASISA South African Multi-Asset Medium Equity Category in order to allow the bundle to maintain its medium risk profile. The Advicement bundle comprises of ETFs in order to best meet the lower cost constraints. The low cost of the underlying instruments together with the use of sophisticated diversification techniques, allows the Advicement Bundle to pass performance benefits to the investor. The Advicement Bundle objective is to achieve similar returns compared to that of the average fund in the ASISA South African Multi-Asset Medium Equity Category with similar risk.

For more information please visit the Advicement Website.

Advicement Growth Bundle

Advicement Growth BundleBUY NOW
Basket fee: 0.5%

The Advicement Bundle targets a specific risk orientated investment objective that is constrained to achieve benchmark equivalent returns. The Advicement Bundle is engineered using quantitative technologies that enable the manager of the bundle to focus on the investment objective without introducing cognitive biases or compromising the investment objective with concerns about anticipating future market performance. The bundle includes constraints commensurate with the constraints of funds in the ASISA South African Multi-Asset High Equity Category in order to allow the bundle to maintain its medium high risk profile. The Advicement bundle comprises of ETFs in order to best meet the lower cost constraints. The low cost of the underlying instruments together with the use of sophisticated diversification techniques, allows the Advicement Bundle to pass performance benefits to the investor. The Advicement Bundle objective is to achieve similar returns compared to that of the average fund in the ASISA South African Multi-Asset High Equity Category with similar risk.

For more information please visit the Advicement Website.

Advicement Aggressive Growth Bundle

Advicement Aggressive Growth BundleBUY NOW
Basket fee: 0.5%

The Advicement Bundle targets a specific risk orientated investment objective that is constrained to achieve benchmark equivalent returns. The Advicement Bundle is engineered using quantitative technologies that enable the manager of the bundle to focus on the investment objective without introducing cognitive biases or compromising the investment objective with concerns about anticipating future market performance. The bundle includes constraints commensurate with the constraints of funds in the ASISA South African General Equity Category in order to allow the bundle to maintain its high risk profile. The Advicement bundle comprises of ETFs in order to best meet the lower cost constraints. The low cost of the underlying instruments together with the use of sophisticated diversification techniques, allows the Advicement Bundle to pass performance benefits to the investor. The Advicement Bundle objective is to achieve similar returns compared to that of the average fund in the ASISA South African General Equity Category with similar risk.

For more information please visit the Advicement Website.

There are so many features to tell you about that we almost don’t know where to start. But before we talk about exactly what EasyEquities has in store for you, we’ll run through the basics as determined by National Treasury legislation. Here they are:

  • You’re allowed to invest up to R 33 000 per year, and you get a R 500 000 lifetime limit.
  • You can deposit and access your funds whenever it suits you.
  • You’re allowed to invest in certain Exchange Traded Funds (ETFs) that are classified as Collective Investment Schemes. There are currently 37 approved ETFs and more are being added to the list monthly.
  • Any profits you make don’t contribute to your annual or lifetime limits. This means that you can reinvest the interest, capital gains and dividends, growing your investment even more!
...

If you exceed the annual and lifetime limits, there are penalties (SARS will charge you a 40% tax on all contributions that exceed these amounts). However, with EasyEquities you don’t have to worry about this – we’ll prevent you from being charged penalties by keeping track of all the contributions made into your EasyEquities tax-free savings account.

...

Any amount that you withdraw from your account will count towards your annual and lifetime limit. If you have deposited R 33 000 and withdraw R 15 000 in the same year, you cannot deposit any more funds as you have already used your R 33 000 deposit allocation. It’s all about a deposit limit, so withdraw funds wisely!

Need more details?

As you know by now, we’re always focused on making investing affordable and straightforward for you. We’ve designed our TFSA with these principles in mind!

Our
tax-free
plan for
you.

How low can you go?

We’ve kept our TFSA fees exactly the same as the standard EasyEquities account.

To make the process super straightforward, EasyEquities has automatically issued you with a tax-free savings account (TFSA). No application forms, no verification process... It’s easy!

All you need to do is select the TFSA from your drop-down menu . You’ll soon be able to choose between two options: DIY investing or a fully-managed strategy. At the moment only the DIY TFSA account is visible in the drop-down menu, but this will change as soon as the fully-managed TFSA is up and running. When it is, we’ll let you know!

Take note, you can only invest in one TFSA offering, so choose wisely!

DIY investing:

Deposit money into your TFSA.

Your TFSA will have its own account number, so make sure you include this as a reference for all deposits you make. If you’d like to transfer cash from your normal EasyEquities account into your TFSA, you’ll need to withdraw the cash and deposit it into your bank account first. Then you can transfer it to your TFSA.

Take note of when your funds are being reflected.

Once your available funds are being shown in your TFSA, then you’re ready to invest! Remember that you’ll be able to choose from a list of pre-selected ETFs as determined by the government. To make investing as easy as possible for you, the EasyEquities website will only display these chosen shares.

Click to invest.

Simply click on your chosen product (EFT), enter your investment amount, and confirm your decision.