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S3E35: How R500 a Month Became R36,903
08 September 2026

S3E35: How R500 a Month Became R36,903

The Investor's Chair With Ivyn Sambo

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R500 a month. R200 into a savings account, R300 into the JSE split across
two ETFs. Five years later, here's exactly what you'd have and why the bank's guaranteed 16% is the number that should worry you most.

I break down every rand: what the savings account paid, what each ETF
returned, what the fees actually cost, and what inflation quietly took
back while you waited.