Why choose Investonline?
This is why so many South Africans choose us:
Who is Investonline?
Our History
Founded in 2009, Investonline provides independent, cost-effective advice for the digital age. Co-founded by chartered accountant Nick Brummer, who took ownership in 2016, our philosophy Building Wealth with Wisdom focuses on sustainable growth & smart decision-making.
Since then, we’ve expanded into a suite of financial and retirement planning services, including Living Annuities, Preservation Funds, Retirement Annuities, Direct Offshore, Unit Trusts and Estate Planning.
Technology-driven and underpinned by a wealth of experience, our expert Client Portfolio Managers deliver tailored strategies that help clients achieve financial security through smart, flexible planning.
One example is Investonline’s Retirement Calculator, which combines smart design and expert insight to project income, test scenarios, support confident retirement planning and guide financial decisions.
Our portfolios have consistently outperformed industry averages, backed by a 15-year track record of risk-managed returns across market cycles.
Our Head Office is in Newlands, Cape Town and we assist clients nationwide through digital consultations or face-to-face meetings.
Why Investors Choose Us
Investonline offers trusted, independent financial advice with a nationwide presence and a track record with proven results.
- Est. 2009: Independent, low-cost advice
- Full suite: Retirement & direct offshore
- Tech-enabled: Smart tools, digital ease.
- Expert-led: Proven portfolio strategies
- Results: Consistent outperformance
- Nationwide: Digital & in-person support
Helping South Africans grow and protect their wealth.
Tax Optimisation for Investors
Speakers → Nick Brummer & Stuart Dyer
11 Jun 25 11:00Benefits and Fees
At Investonline, we focus on achieving strong net-of-fees returns, ensuring your investments grow effectively over time.
While fees are important, prioritising quality and long-term performance delivers the best results.
Net Returns Matter
- Growth After Fees: Success isn’t about the lowest fees but how well your investments grow after costs.
- Balancing Quality and Cost: High-performing funds may have slightly higher fees, but if they deliver superior net returns, they’re worth it.
- Long-Term Impact: Consistent net returns have a greater effect on building wealth than cutting costs alone.
Low Fees Aren’t Always Better
– Performance vs Cost: Low-cost funds may underperform if they lack experienced managers or adaptive strategies.
– Expertise Pays Off: Proven managers deliver better returns.
Our Approach to Fees
- Living Annuity, Preservation Fund, Retirement Annuity, Offshore and Unit Trust: Minimising fees while aligning with long-term performance.
- Estate, Retirement and Financial Planning: Comprehensive strategies for long-term security and effective estate planning.
- Value-driven Funds: We prioritise funds with a track record of net-of-fees performance.
- Cost-Effective Platforms: We recommend platforms that lower admin fees without sacrificing quality.
- Ongoing Monitoring: We ensure your portfolio consistently meets your financial objectives.
- We Offer Comparisons: Access free performance reports to help you make informed, confident financial decisions.
Expert Fees:
– Annual Advice Fee: 0.50% (0.58% incl. VAT) on assets managed. Reduced fees will apply for high-value portfolios.
– Family Discounts: Combine local and offshore family accounts to reduce fees and save on administration costs.
While fees matter, focusing only on costs can hinder investment success. Prioritise solutions that deliver strong net returns and align with your goals.
Investonline (IO) Portfolios | 1yr | 3yr | 5yr | 10yr | 15yr | |
---|---|---|---|---|---|---|
Equities | IO High Growth | 19.3% | 14.0% | 17.0% | 9.4% | 12.1% |
IO Balanced | 16.4% | 11.7% | 12.0% | 8.5% | 10.3% | |
IO Cautious | 17.5% | 11.6% | 10.7% | 7.7% | 8.6% | |
Regulation 28 | IO Income | 12.1% | 9.5% | 8.3% | 8.0% | 8.4% |
IO Offshore High Growth | 10.8% | 17.3% | 14.3% | 13.9% | 18.3% | |
IO Offshore Growth | 13.5% | 14.9% | 10.4% | 10.8% | 12.5% | |
Global Focus (ZAR) | IO Offshore Balanced | 15.4% | 14.5% | 11.5% | 10.1% | 11.6% |
Who Investonline partnered?
Platform Partners
As a partner of Allan Gray, we provide secure investment administration via Allan Gray Investment Services, including local or offshore. Assets are held by Allan Gray Nominees, ensuring your capital is protected.
As advice partners of Old Mutual Wealth, we offer holistic financial planning and access to specialised solutions such as local investments, fiduciary and private client services, supported by the Old Mutual Group.
As trusted advice partners of Old Mutual International, we offer tailored offshore solutions for global diversification, long-term growth, tax efficiency, and cross-border financial planning support.
As a partner of Currencies Direct, we offer international transfers with no fees and competitive rates. Money moves securely across borders, fast and compliant. With 30 years’ experience and reach, they provide service.
Through Capital Legacy, we help you create, store, and manage your Will with ease. Their estate plans cover major costs and offer fast payouts to your beneficiaries, ensuring your legacy is protected.
Our Trusted Partners
Investonline delivers comprehensive financial solutions through trusted partnerships, administered by these specialist providers.
- Allan Gray: Seamless investment administration with safe custody of assets.
- Old Mutual Wealth: Holistic planning with access to specialised investment solutions.
- Old Mutual International: Offshore solutions for diversification and tax efficiency.
- Currencies Direct: International transfers with no fees, great rates, and full compliance.
- Capital Legacy: Simple, cost-effective Will and estate planning with fast payouts.
We help protect, grow, and preserve your wealth at every life stage.
Free Consultation:
Investonline offers a free consultation to assess your financial position and create personalised retirement and investment plans aligned with your goals.
Get qualified, independent advice — no obligation.
Book a Consultation to discuss:
- Retirement: Model your spending
- Fees: Know exactly what you pay
- Markets: Investment strategy
- Taxation: Improve tax efficiency
- Global: Direct offshore
- Legacy: Wealth transfer
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Why returns after all fees are important?
Returns after fees : Important factors
Net returns after fees are critical to financial success—it’s that simple.
Imagine a 10% baseline return. A 1% underperformance over 25 years reduces wealth by 20%, while 3% underperformance slashes it by 50%, significantly impacting growth.
- Lower Growth: Leads to less future wealth
- Free Comparison: Compare your returns
- Maximise Savings: Lifestyle you deserve
At Investonline, we offer insights to help you mitigate underperformance and make informed decisions for a successful retirement.
Try our Free Comparison today!
Benefits of a Free Comparison
- True Insight: Understand actual returns
- Easy Comparisons: Evaluate your options
- Review Returns: Assess your investments
- Informed Goals: Set realistic targets
- Cost Efficiency: Improve your wealth
A free comparison provides clarity on performance, understanding of all fees and helps set realistic goals to improve your wealth.
Expert Guidance & Support
Clear, Tailored Guidance
- Get a free comparison report
- Products that suit you best
- Simple, clear and jargon-free
Effortless Transitions
- Easy, stress-free transfer process
- We handle switches, start to finish
- Investments remain safe & secure
Personalised Support
- Get real help, available nationwide
- No automated systems or waiting
- Fast, responsive & reliable service
Best Investment Decision I ever Made
From the time I first connected with Investonline many years ago, the feel-good, professional element was always present.
Professional, friendly, and proactive advice has always been provided with the client’s best interests in mind. I’m very happy with my designated Planner.
Mervyn Sparks
First time investor
As someone new to investing large sums of money, the team at Investonline exceeded my expectations with their professionalism and expertise.
My portfolio was created seamlessly, and I feel incredibly confident about a long and prosperous relationship with them.
Cobus Nolte
Understanding the Client’s Needs
Great to deal with a company who went out of their way to understand my specific needs and to explain their reasons for suggesting alternative investments to what I initially was considering.
Admin and contact with Investonline has been excellent so far.
Lindsay Bassett
How to Get Started?
Explore Our Products
Choose from pre-and-post retirement solutions, unit trusts, offshore options at your pace.
Speak to a Dedicated Specialist
Our experienced team will help match products and funds to meet your financial goals.