January 13, 2017

Costs destroy returns

According to Minister of Finance, Pravin Gordhan, less than 10% of South Africans enjoy a “decent retirement”. There are many reasons for this such as starting to save too late, saving too little, not preserving cumulative savings when changing jobs or failing to diversify your portfolio to mention but a few.

The main reason for so few people enjoying a decent retirement are high investment costs.

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Why every % saved is so important

Consider the graphics below

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At Itransact we only offer passively managed low cost index tracking products that don’t try to beat the market, but simply provide the return of the market, no more and no less. And because of their lower costs our index tracking funds beat most actively managed (and expensive) funds that try. In fact only 1 out of 5 actively managed South African general equity funds managed to beat the market over the long term.