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Between 80% and 90% of day traders lose money within their first year. Comprehensive academic and industry research demonstrates that the vast majority of retail day traders lose their capital quickly, with approximately 40% quitting within just the first month. Over longer horizons, the failure rate is even more severe: data reviewed by multiple institutions indicates that up to 97% of traders ultimately lose money after 300 active trading days, leaving only about 1% to predictably turn a profit net of fees.
The steep learning curve and financial toll of active trading cause rapid dropouts over time:
According to market studies published on Social Science Research Network (SSRN), several factors are at play
A better option is a structured long term investment plan that benefits from low costs, good returns and the compounding effect
We are NOT a day trading CFD or FX platform. We are investment advisors using fintech to offer global investment plans at low costs. We give everyone the opportunity to invest globally.
Why People Choose DigiWealth
You can invest globally with Digiwealth to advise you. You can start from R 500 per month or make a lump sum investment.
What Digiwealth Offers You
You can invest in our xAI ready-made investment plans with different risk levels. We have very low fees, you can easily check your investments, add more or get your money back. Everything is low-cost, honest, and focused on growing your money over the long term .
Is It Legit and Safe? Yes!
We are approved by the Regulator (called the FSCA). Our licence number is FSP 55173.
3 Easy Steps to Start Investing
Step 1. You select “Start Investing” or request a hard copy application.
Step 2. We setup your investment account on the SATRIX / EasyEquities platform
Step 3. You deposit funds into SATRIX / EasyEquities bank account and select your Digiwealth investment plan.
OR
Send us proof of your ID / passport, proof of address and proof of bank account and we can complete your application. (We need this information by law).
We have three investment plans to suit different people from R 500 per month or a R 1 500 Lump sum. The great thing about all of them is:
1. There’s no fixed period — you can take your money out anytime or add more as well.
2. You can check your profits every day online or using the phone app.
1. xAI Global Safety Plan : This is the safest plan. It’s for people who don’t want to lose any money, even for a short time. Best for careful investors. It invests in very safer things like government bonds, money market and cash.
2. xAI Global Balanced Plan : This is the middle option — medium risk and medium returns. You might lose a little money in the short term, but it usually grows better over a longer time. Best for moderate investors. It combines shares, bonds, property, and cash.
3. xAI Global Growth Plan : This is the highest risk, highest reward plan. Your money can go up and down a lot in the short term, but it has the biggest potential to grow over time. It invests in top global companies shares like Tesla, Meta (Facebook), Microsoft, and others.
We are not a Crypto, FX/ CFD trading platform. We are a digital wealth manager providing best advice and very low cost global investment plans. We know you have worked hard for your money and we take our responsibility to you and your family very seriously. We do NOT recommend using unregulated trading apps or platforms.
Regulation - Digiwealth is an authorised Financial Services Provider (FSP 55173) approved by the FSCA (Financial Sector Conduct Authority) and you can check at www.fsca.co.za or by calling them at 0800 20 37 22. Regulated FSPs must follow strict rules.
Our partners - we are partnered with Satrix, EasyEquities, Sanlam, Allan Gray, and Stanlib. Moonstone Compliance serves as our independent compliance officer.
Access to your money - All your money is held by SATRIX / Easy Equities. Digiwealth has no access to your money, we only provide the investment advice and plans.
Company presence - Registered on all social media platforms. Visit us at 13 Belvedere Street, Durbanville, Cape Town, South Africa. Contact us on WhatsApp at +27 82 759 2318 or +27 21 975 2535 or via the website.
Management team - We have a strong global team of leaders with more than 120 years of combined global experience and a culture of trust and accountability.
Trust checks: Scamadviser gives us a good trust score, noting a valid SSL certificate and no major red flags.
Here's how the process works, easy, step by step:
1. Client appoints Digiwealth as the advisor https://www.digiwealth.co.za/forms/start-investing.
2. Digiwealth opens client account on trade platform.
3. Client approves Digiwealth appointment as advisor on the trade platform.
4. Client deposits funds in platform bank account and notifies Digiwealth.
5. Funds are invested into chosen Digiwealth xAI Investment plan.
6. Client can check SATRIX account values on cell phone or internet
1. Diversification (Spreading Your Risk) South Africa represents only about 0.3–0.4% of the global economy. If most of your savings, home, or retirement fund is invested locally, you're placing a very large bet on one very small and higher-risk economy. By investing a portion offshore, you spread your risk across many countries. This helps protect your money from local challenges like political uncertainty, power or water issues, or slower growth at home.
2. Protection Against the Rand (ZAR) Losing Value The South African Rand has a long history of losing value against major currencies like the US Dollar (on average around 5–6% per year over long periods). When the Rand weakens, your offshore investments are worth more when converted back into Rands. This provides a natural form of protection for your wealth. In Rand terms, you will get wealthier during times of currency weakness.
3. Access to Global Growth and Opportunities Not Available Locally South Africa's market is small and offers limited exposure to exciting, fast-growing areas like technology, artificial intelligence, semiconductors, biotechnology, and top global consumer brands. Offshore investing opens the door to thousands of companies around the world. These companies often have diverse income from many countries, which can support stronger long-term growth. Popular examples include leaders like Nvidia, Microsoft, and Meta.
“I don’t have enough money to invest globally.” Not true! You can start with as little as R500 per month. This gives you access to some of the world’s best companies and industries in one simple investment.
“I don’t know which companies to pick.” You don’t have to pick individual shares. You can invest in broad funds or ETFs that cover whole industries or global markets. It’s like betting on several strong horses in the race, rather than just one
“It seems too complex.” It’s much easier than what you. With our straightforward Digiwealth Investment plans anyone can get started, no matter their experience or the amount they want to invest. https://www.digiwealth.co.za/plans
1. Many investors think they need lots of money to start investing globally. Not true ! You can start from R 500 per month.
2. Thinking that your money is safe in a savings account. Not True ! Savings account often return less than inflation after tax & monthly costs making you poorer after inflation.
Digiwealth’s process helps reduce these risks through: A clear risk profiled plan (Aggressive, Moderate, Conservative) that matches your goals.
Building wealth comes from staying invested and following a consistent strategy.
Yes. It's your money and you are empowered to easily get your money back. You can instruct us or you can do it yourself online or using the app.
Your money usually reaches your South African bank account in 2 to 3 business days. No upfront or exit fees, no lock-ins or maturities, no penalties.
It's your money, you can get it when you want it with no fuss.
One of the big choices South African investors must make is whether a retirement annuity (RA) is a good idea or not. Here are some pros and cons you might want to think about, and the good and bad points of each option.
Pro RA : Contributions are tax-deductible (up to 27.5% of taxable income, subject to an annual cap of R430 000. Growth is free of income tax, dividends tax and capital gains tax.
Con RA : Withdrawals (lump sum and annuity income) are taxable according to the applicable tables/rules.
Pro RA : Encourages long-term disciplined saving. Under the two-pot system, a portion (savings pot) has limited early access.
Con RA : This is our #1 issue to consider. Investors will have a big part of their wealth invested in risky emerging market (South Africa) with a very long-term investment horizon.
Pro RA : Tax-free compounding over long periods can significantly boost retirement savings.
Con RA : This is #2 issue to consider. Investments are subject to Regulation 28 limits which means that you must invest at least 55% in South African assets. This severely limits the potential for offshore growth and reduces diversification benefits.
Pro RA : At retirement you may take up to one-third as a lump sum (subject to tax tables); the balance must purchase an annuity that provides ongoing income.
Con RA : This is our #3 issue to consider. Two-thirds MUST be used to buy an annuity which may not keep pace with inflation or could carry investment and longevity risk.
Pro RA : Generally protected from creditors. Does not form part of the deceased estate (no estate duty). Benefits can go directly to nominated beneficiaries.
Con RA : Very limited control once money is committed; less flexibility than a discretionary investment or tax-free savings account (TFSA).
Pro RA : Modern low-cost RA platforms are available. Contributions can often be flexible (monthly or lumpsum).
Con RA : Although RA can be tax efficient for high income earners the total (higher fees, commissions or complex structures) costs are significant and reduce the net returns.
Retirement Annuities can be a good investment under certain circumstances. Digiwealth offers a retirement annuity for new investors as well as those people that want to switch their existing RA's.
A simple online questionnaire that identifies your comfort with risk and returns.
What it helps us understand:
1. How much you would like to make.
2. How much risk you are willing to accept.
3. How you react when markets go down.
Start completing the questionnaire found here.
1.1 Step 1: Prepare Your Club Internally
Draft and sign a constitution (founding document) that includes: Club name, List of all members,Membership rules, Objectives (e.g., collective investing inETFs/unit trusts), Contribution rules, meeting schedule, exitprocedures, etc.
Open a dedicated club bank account in the club'sname.
Digiwealth will complete the online Entity Application Form and the authorised person (one nominated representative) will need to sign off. Digiwealth will download and complete the FATCA/ CRS declaration form and the authorised person (one nominated representative)will need to sign off.
The following documents are Emailed to info@digiwealth.co.za
- Completed online application form. Digiwealth to complete, authorised person sign
- Completed FATCA / CRS declaration. Digiwealth to complete, authorised person sign)
- Signed constitution or founding document. Authorised person sign
- Members resolution / authority to act. Signed by all members, nominating the authorised signatory/representative). Use Digiwealth template if possible
- Proof of the club's operating / registered address (utility bill, bank statement, lease, etc. — less than 3 months old)
- Proof of the club's bank account (bank statement <3 months old or official bank letter on letterhead)
1.4 For the authorised person(s) and key members
Proof of ID (SA ID/smart card front & back), Proof of address, Investment Advisor Appointment.
No minimum investment— great for clubs starting small. All deposits / withdrawals must come from / go tothe club’s own bank account (not personal accounts). The club can invest into any of the following plans: - xAI Global Safety Plan (Conservative), o xAI Global Balanced Plan (Moderate) or xAI Global Growth Plan (Aggressive)
You can begin investing globally from R500 per month or a invest a lump sum amount of R 1 500. You can even setup a monthly recurring investment debit order or EFT (Electronic fund transfer).
There is NO maturity on the investment plans. Clients can easily sell their investments on the trade platform at any time and money can be paid back into the clients account after 48 hours.
No, anyone can start investing today but the sooner the better the long term benefits.
We guide you through:
A three minute online questionnaire to find the best investment plan fo you.
We manage and rebalance the investment plans tailored to your goals.
You focus on the outcome. We handle the complexity of investing.
We are not a day trading CFD, FX or Crypto platform, we are long term investment advisors using fintech to offer a better product at cheaper fees to everyone.
- We are approved by the local regulator (FSCA) so we are legit.
- We match your investment goals with the right investment plan.
- We are 100% independent and owner managed.
- Daily valuations and liquidity at significantly lower fees.
- We offer globally diversified risk profiled plans with no region, industry or product bias.
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.
