Investonline: Your Confidence, Our Commitment.​

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Client Focus
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Wealth Growth
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Independent Advice
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Proven Performance
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Expert Guidance
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Since 2009
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Tech-driven

Investonline offers independent advice, retirement and offshore investing, active and index portfolios, transparent fees and expert guidance.

Trusted PartnersPartners with Investonline
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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.

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Nick Brummer

Nick Brummer

Director

B.Compt (Hons), CA (SA)

Nick is a chartered accountant and investment analyst since 1992. He was a director at Deutsche Bank and Citi Group, ranked top two by Financial Mail in most industrial equity sectors. As a stock market specialist, he has gained invaluable insight into the processes and mindset of South Africa’s leading fund managers.

Stuart Dyer

Stuart Dyer

Director - Head Client Portfolio Manager

B.Com (Fin. Accounting), PG. Dip & Adv PG. Dip (Inv Planning), CFP®

Stuart joined Investonline in 2014 and is a Certified Financial Planner. He earned a Bachelor of Commerce in Financial Accounting from the University of Cape Town, then completed Postgraduate and Advanced Postgraduate Diplomas in Investment Planning. He is a registered Key Individual at Investonline.

Natasha Atkin

Natasha Atkin

Client Services Manager

Natasha joined Investonline in 2014. She has over twenty-five years of managerial experience in administration, client services, marketing, and sales—locally and abroad. Her focus is building strong client relationships and striving for high-level personalised, proactive service across all areas of the business, ensuring client satisfaction and long-term loyalty.

Geran Steyn

Geran Steyn

Client Portfolio Manager

PG. Dip (Fin. Planning), Certified Financial Planner CFP®

Geran joined Investonline in 2013 and completed his Postgraduate Diploma in Financial Planning through the University of the Free State. He is a Certified Financial Planner with a passion for helping clients achieve long-term financial security through personalised, tailored investment and retirement strategies.

Jannie Smit

Jannie Smit

Client Portfolio Manager

Jannie joined Investonline in 2015 as a Client Portfolio Manager. With a passion for financial planning, Jannie focuses on developing long-term relationships with clients. He has completed both his Higher and Advanced Certificates in Financial Planning and is currently working towards achieving his Certified Financial Planner® (CFP®) designation.

Dirk Smuts

Dirk Smuts

Client Portfolio Manager

B.Com (Fin.), PG. Dip (Fin. Plan.), Adv PG. Dip (Trust/Estate), CFP®

Dirk joined Investonline in 2021 and is a Certified Financial Planner®. He has completed his Advanced Diploma in Trusts and Estates Administration and is a Fiduciary Practitioner of South Africa®. He is passionate about holistic planning and helping clients protect and grow their wealth with confidence and care.

Ewan Matthee

Ewan Matthee

Client Portfolio Manager

(B.PLGL)

Ewan joined Investonline in 2024. He is a seasoned Financial Planner with a law degree and experience in wealth management. With a passion for financial planning and investment markets, he combines legal expertise and financial acumen to empower clients toward long-term financial success and security.

Joshua Strydom

Joshua Strydom

Client Portfolio Manager

PG. Dip (Fin. Planning), Certified Financial Planner CFP®

Joshua joined Investonline in 2024 and is an accredited Certified Financial Planner. He has been a financial advisor for eight years and is passionate about engaging with clients to address their financial needs, building lasting relationships, and finding optimal, personalised solutions through thoughtful planning.

Dylan Bam

Dylan Bam

Associate Client Portfolio Manager

B.Com (Inv. Management), PG. Dip (Fin. Planning)

Dylan joined Investonline in 2024 and holds a Post Graduate Diploma in Financial Planning. He is working towards obtaining his accreditation as a Certified Financial Planner and is passionate about delivering tailored financial advice and building strong, lasting client relationships based on trust and transparency.

Penelope Mashele

Penelope Mashele

Associate Client Portfolio Manager

BBA (Finance)

Penelope joined Investonline in 2024 after completing her BBA in Finance. She is completing a Postgraduate Diploma in Financial Planning through the University of the Free State, working towards Certified Financial Planner® (CFP®) designation. She is passionate about guiding clients to long-term financial success.

Mellisa Brooks

Mellisa Brooks

Wealth Support Specialist

Mellisa joined Investonline in 2020 as a Wealth Support Specialist. Her role is to support Client Portfolio Managers with administrative duties, operational tasks, and client service coordination. Mellisa has 20 years’ experience in customer service, administration, and financial services support, with a strong focus on efficiency, reliability, and attention to detail.

Gizelle van Rooyen

Gizelle van Rooyen

Wealth Assistant

Gizelle joined Investonline in 2025 as a Wealth Assistant. She plays a key role supporting Client Portfolio Managers with tasks, operational processes, and coordination. Gizelle brings over 15 years’ experience in customer service, sales support, and administration, with a focus on professionalism, responsiveness, and attention to detail.

Allan van Zyl

Allan van Zyl

Operations Manager

BBA (Finance), PG. Dip (Fin. Plan.), Certified Financial Planner CFP®

Allan joined Investonline in 2024 as Operations Manager. A Certified Financial Planner with over 20 years’ experience, he focuses on optimising operations and infrastructure, accelerating innovation, and elevating client service through enhanced efficiency, collaboration, and meaningful client engagement.

Free Retirement Calculator

Know your numbers. Retire confidently.

Benefits 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) Portfolios1yr3yr5yr10yr15yr
Equities
IO High Growth19.3%14.0%17.0%9.4%12.1%
 
IO Balanced16.4%11.7%12.0%8.5%10.3%
IO Cautious17.5%11.6%10.7%7.7%8.6%
Regulation 28
IO Income12.1%9.5%8.3%8.0%8.4%
 
IO Offshore High Growth10.8%17.3%14.3%13.9%18.3%
IO Offshore Growth13.5%14.9%10.4%10.8%12.5%
Global Focus (ZAR)
IO Offshore Balanced15.4%14.5%11.5%10.1%11.6%
Partners with Investonline

Who Investonline partnered?

Platform Partners

As a partner of Allan Gray, we provide secure, seamless investment administration through Allan Gray Investment Services, including local or direct offshore. Assets are held in safe custody by Allan Gray Nominees, ensuring your capital is protected.
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 broader Old Mutual Group.
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 advice partners of Old Mutual International, we offer offshore investment solutions designed for global diversification, long-term growth, tax efficiency, and cross-border financial planning support.
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 global reach, they provide reliable service for clients.
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.
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.

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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

Information

Share your details

Discovery

Discuss your situation

Get Your Report

Review the findings

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

Our Client Portfolio Managers

NickStuartGeranJannieDirkPenelopeEwanJoshuaDylan

What our clients say

View all reviews on

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

Explore Our Products

Choose from pre-and-post retirement solutions, unit trusts, offshore options at your pace.

Investonline Investment Team

Speak to a Dedicated Specialist

Our experienced team will help match products and funds to meet your financial goals.