We use cookies to improve your experience, analyse site usage, and support our services. By continuing, you agree to our use of cookies.
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:
You can easily check your money at any times, online or using the phone app, add more or get your money back.
Investing globally gives you protection against long term Rand depreciation and you can invest in great companies and industries not available in South Africa (like Nvidia, TESLA etc).
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.
Planning your retirement with Digiwealth is simple and designed for South Africans.
You can
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).
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.
