MyJHB

Stuff from Johannesburg

Now I Understand Why Investing Is Not for the Faint of Heart

Since July 2025 I have been running an investing experiment using the Easy Equities Investing App.

I set out to invest R50.00 per month in two different exchange traded funds using a normal investing account and a Tax Free Savings Account.

The fixed monthly amount started in July 2025 with R50.00 in each account and with a 10% increase every year. Not all of the R55.00 goes into the ETF – around R0.25 goes to costs for the Normal Account and R0.24 for the TFSA.

The instruction to Easy Equites for these ETF’s is; “Immediately re-invest any dividends.”

To benchmark the performance I also track what the same amount invested in a Capitec Savings Account with a 5.75% per annum interest rate would yield.

These are all tracked on graphs here: https://myza.co.za/tfsa-v-taxed-investing-month-on-month-comparison/

Frankly when I look at the return on the ETF’s and Capitec the entrepreneur brain in me says; “If I had to use that as capital in my business then we could get a 4x return.” But, this is for a situation where if the money is needed to help create a pension fund for the future, so we stick it out.

Of all the ETF’s in my TFSA only two show any promise (today) – SATRIX MSCI World and Prescient Income Provider Feeder.

In terms of whether the Capitec investment at 5.75% would have been better – of the 17 months investing it would have been better in: July, August, October and November 2026 only.

Of course the danger is always of when one looks at the performance and when one invests. Last Friday was a bit of a downer for the JSE but many pundits are predicting a slow upward trend peaking in April 2027 so no big concerns yet.

The restraint using a TFSA is that one can only choose ETF’s which, by design, are conservative so are normally the shares that react most negatively to a downturn in the market. Like Unit Trusts of old the mindset of managers of these funds is mired in conservative growth. One can almost hear their masters saying; “Don’t rock the boat, stay invested, don’t speculate.”

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Africa’s Economic Heartbeat and the JSE

Johannesburg is the undisputed financial capital of the African continent. It is classified as an “Alpha Global City,” meaning it plays a primary role in the global economic network. The city generates roughly 16% of South Africa’s GDP and is the headquarters for 74% of the major multinational companies operating in Sub-Saharan Africa.

At the center of this economic power is the Johannesburg Stock Exchange (JSE). Founded in 1887, just one year after the city’s birth, the JSE was initially a way to raise capital for deep-level mining. Today, it is the largest stock exchange in Africa and ranks among the top 20 in the world by market capitalization. The financial district has moved from the historic city center to Sandton, an area often called “Africa’s Richest Square Mile.” This shift reflects Johannesburg’s evolution from a rough-and-tumble mining camp into a sophisticated service-and-finance economy. Despite the decline in actual mining, the city remains the “command and control” center for the continent’s mineral wealth, telecommunications, and banking sectors.