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South Africa represents only 0.3 percent of global markets. Your house and cars are local assets. Most of your pension fund are local assets.
Offshore investing gives you:
• Access to global innovation and regions
• Reduced local market concentration risk
• Protection from long term rand depreciation
• Exposure to sectors that drive global growth
The most common risk for investors is not the platform or the market. It is emotional decision making during volatility.
The biggest risks are:
• Selling when markets fall and then staying in cash for too long
• Chasing performance after prices have already risen
• Taking on too much or too little risk
• Trying to time market movements
• Reacting to headlines instead of data
Digiwealth’s process helps reduce these risks through:
• A clear risk profile that matches your goals
• Globally diversified range of funds
• Automated rebalancing that maintains discipline
• The ACE model, which guides allocation based on data
Long term success comes from staying invested and following a consistent strategy.
Yes.
Typical timelines:
• Global ETFs settle in 48 hours
• Funds usually reach your South African bank account in 3 to 5 business days
• No exit fees, no lock-ins
• No penalties
ACE is our asset class expectations model. It analyses global economic data and market conditions to help determine which asset classes offer the most attractive opportunities.
Why ACE improves outcomes:
• 90% of fund performance is a result of asset allocation and not individual stock selection
Digiwealth mainly focuses on asset allocation decisions
Better diversification:
• Reduced emotional decision making
• Clarity in changing markets
• Consistent long term positioning
A simple online questionnaire that identifies your comfort with risk and investment behaviour. We comply with the Protection of Personal Information Act (POPI Act, No. 4 of 2013).
What it helps us understand:
• Time horizon
• Behaviour under market pressure
• Growth expectations
• Comfort with volatility
Start completing the questionnaire found here.
Option 1: Offshore Feeder Funds
• Invest in rand
• No tax clearance
• No foreign bank account needed
• Easy Rand contributions and withdrawals into your South African bank account
Option 2: Direct Offshore Investing
• Invest in foreign currency using Single Discretionary Allowance (SDA) or Foreign Investment Allowance (FIA)
• Suitable for R1 million or more
• Funds can remain in offshore account
• Ideal for long term global wealth
Both options give you access to the same global ETF funds.
You can begin investing globally from:
• R500 per month, or
• R5 000 lump sum
For direct offshore investing, we recommend R1 million or more due to administration and foreign exchange costs.
No. Anyone can start.
You focus on the outcome. We handle the complexity.
Yes. Your investments are always held in your own name with independent global custodians.
Your protections:
• FSCA regulated and Fully FAIS compliant
• Fund are not held by Digiwealth not access or move your funds, without your approval
• Independent oversight from leading compliance specialists
How to verify:
Search FSP 55173 on the FSCA website at any time.
Our clients are not day traders; rather, they have a long-term investment philosophy.
What this means for you:
• Clear and significantly lower fees
• No region, industry or product bias
• Globally diversified funds
• Technology that improves discipline and consistency
Digiwealth (Pty) Ltd is an authorised Financial Service Provider (FSP 55173).
We comply with all FSCA requirements to ensure transparent advice, responsible digital processes, and the secure handling of your personal information.
