Share Saver Share Builder Share Investor Share Investing ... investing Tax-Free Shares Imagine a world where you could invest in shares and pay no tax on the capital gain or dividends received. Well, imagine

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  • Share Investing made easy

    Share investingShare Saver

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    Krugerrands

    Tax-Free Shares

    Share Investor

    Share Builder

  • Share investing

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    Share SaverEver wanted to invest in shares, but dont know which shares to choose? Now you can invest monthly in the top 100 JSE listed companies in South Africa, which means you dont have to choose. Weve done all the legwork.

    Why choose Share Saver?

    Invest from as little as R300 per month, in the top 100 JSE listed companies You can invest a lump sum if you want to You dont have to choose any shares Its quick and easy to get started This is the most affordable way to invest directly on the JSE Begin to build your wealth online Your portfolio risk is spread across top 100 companies

    What makes it different?

    Share Saver allows you to purchase shares in the top 100 companies on the JSE, by investing in the Ashburton Top40 and Ashburton MidCap Exchange Traded Funds (ETFs)

    This means, you receive returns linked to the 40 largest listed companies, in terms of market capitalisation (Top40 Index), and the next 60 largest listed companies, in terms of market capitalisation (MidCap Index).

    Whats more, compared to a unitised product, ETFs are not actively managed on a day-to-day basis but rather passively managed, which means it comes at a lower cost to you

    Any fine print? You need to be a South African Citizen You need to invest a minimum of R300 per month You must have a qualifying FNB account

    Share Saver

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    Krugerrands

    Tax-Free Shares

    Share Investor

    Share Builder

  • 001 R1 000

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    Share Saver (continued)

    Monthly Account Fees (based on portfolio value)

    What does it cost?

    Monthly account fees are based on your portfolio value

    Account fees are calculated on a daily basis and charged monthly

    Subscription to Online, Cellphone and Telephone Banking and FNB Banking App is free

    Trading fees are dependent on the trade option you choose

    Trade option Delayed trades (Today at 15:00)1st trading day of the month

    Brokerage Fee0.6% (min R40) plus Vat

    0.10% plus VAT

    Investor Protection Levy

    Included above Included above

    STRATE Settlement charge

    Included above Included above

    Securities Transfer Tax (on share purchase)

    Not applicable

    R0 - R250 000 *0.50% per annum plus VAT

    R250 001 R1 000 000 0.45% per annum plus VAT

    >R1 000 001 0.35% per annum plus VAT

    Note: Two trade orders will be placed per instruction - one for the Ashburton Top40 ETF, one for the Ashburton MidCap ETF.

    Open your account online at

    All sell instructions shall be considered a delayed trade for the purpose of calculating fees on a sell instruction. This is applicable even if a sell instruction is placed on the 1st trading day of the month.

    Share Saver

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    Krugerrands

    Tax-Free Shares

    Share Investor

    Share Builder

    *The monthly account fee for Share Saver account is 0.5% per annum charged monthly with a minimum of R20 per month.

  • Share investing

    Share BuilderTo help you choose your own shares weve put together a basket consisting of top performing diversified shares that have gone through a strict selection process which includes analysing both the company and the market in which it operates.In addition, you can also choose to buy selected Exchange Traded Funds (ETFs) as well as Krugerrands.

    Why choose Share Builder?

    Invest in a basket of pre selected JSE blue chip shares and Exchange Traded Funds (ETFs) to get you started. To view the basket go to

    You can also invest directly in Krugerrands Its quick and easy to get started Learn how to select shares, what companies

    to look for and how to manage your portfolio

    What makes it different?

    Access user-friendly market information to make trade decisions

    Buy, sell and hold shares via our secure Online Banking platform

    View your portfolio, cash balance and transaction history Online or via Cellphone Banking

    Learn the basics of investing on our informative site

    Build your knowledge while you grow your wealth

    Any fine print?

    You need to be a SA citizen You need to be 18 years or older There is no minimum investment or trading

    amount. All you need is a minimum of R100 in your account to activate and maintain your account.

    What does it cost?

    Monthly fee of R35 Subscription to Online, Cellphone and Telephone

    Banking and FNB Banking App is free Trade fees charged per transaction

    Trade option Delayed trades (Today at 15:00)

    Brokerage Fee 0.8% (min R80) plus VAT

    Investor Protection Levy Included above

    STRATE Settlement charge Included above

    Securities Transfer Tax (on share purchase)

    Included above

    Share Saver

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    Krugerrands

    Tax-Free Shares

    Share Investor

    Share Builder

  • Share investing

    Share InvestorUse your experience in the share market to invest in the full range of JSE listed shares and Krugerrands in real time.

    Why choose Share Investor?

    Take control of your financial destiny and build your own wealth

    Its a competitively priced way of investing directly in the full range of JSE shares and Krugerrands

    Its quick and easy to invest with us on our user friendly platform

    What makes it different?

    Trade in the full range of JSE listed shares in real-time (prices 15 minute delayed)

    Buy, sell and hold via our secure online banking platform

    View your portfolio, cash balance and transaction history Online or via Cellphone Banking

    Corporate actions dealt with at your discretion

    Access easy to understand market information

    Any fine print?

    You can be a SA citizen or Non-resident citizen, although the fees are different for Non-residents

    You need to be 18 years or older There is no minimum investment

    or trading amount. All you need is a minimum of R200 in your account to activate and maintain your account.

    What does it cost?

    Monthly fee of R65 Subscription to Online, Cellphone and Telephone Banking

    and FNB Banking App is free Trade fees are dependent on when you choose to trade Non-resident and Emigrant Blocked accounts are charged

    a monthly account fee of R75 and no VAT is payable on Non-resident accounts

    Trade option Delayed trades (Today at 15:00) Now Trades

    Brokerage Fee0.8% (min R80) plus VAT

    0.6% (min R80) plus VAT

    Investor Protection Levy Not applicable 0.0002% plus VAT

    STRATE Settlement charge

    Not applicable0.005787% (min R10.71 max R70.02) plus VAT

    Securities Transfer Tax (only on share purchase)

    Not applicable 0.25%

    Share Saver

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    Krugerrands

    Tax-Free Shares

    Share Investor

    Share Builder

  • Share investing

    Tax-Free SharesImagine a world where you could invest in shares and pay no tax on the capital gain or dividends received. Well, imagine no more. With the FNB Tax Free Shares Account you can invest in the Top 100 companies on the JSE monthly and pay ZERO tax on your earnings.

    Why choose Tax-Free Shares?

    Investment is in the Top 100 companies on the JSE, and all capital gains and dividends received are tax free Provides you with a diversified portfolio meaning that your risk is spread Investments from as little as R300 per month or a minimum R1 000 once off lump sum You dont have to choose any shares, we do that for you Its quick and easy to get started. Buy and sell your shares easily through Online Banking or the FNB Banking app

    What makes it different?

    You can have the benefit of exceptional growth potential through investing in shares along with it being tax free Tax Free Shares allows you to purchase shares in the top 100 companies on the JSE, by investing

    in the Ashburton Top40 and Ashburton MidCap Exchange Traded Funds (ETFs) You will receive returns linked to the 40 largest listed companies (Top40 Index, by market capitalisation)

    and the next 60 largest listed companies (MidCap Index, by market capitalisation) Compared to a unitised product, ETFs are not actively managed on a day-to-day basis but rather passively

    managed, which means they come at a lower cost to you

    Any fine print?

    You must have a qualifying FNB account You may not hold more than one Tax-Free Shares account with FNB A tax year contribution limit of R33 000 and lifetime contribution limit of R500 000 apply All withdrawals from the account will not be allowed to be replaced All contributions in excess of the limits will be subject to a SARS penalty of 40% You have to be an SA citizen or SA resident

    Share Saver

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    Krugerrands

    Tax-Free Shares

    Share Investor

    Share Builder

    More on Tax-Free Shares

  • Share investing

    Tax-Free Shares (continued)

    001 R1 000

    Monthly Account Fees (based on portfolio value)

    What does it cost?

    Monthly account fees are based on your portfolio value

    Account fees are calculated on a daily basis and charged monthly

    Subscription to Online, Cellphone and Telephone Banking and FNB Banking App is free

    Trading fees are dependent on the trade option you choose

    Trade option Delayed trades (Today at 15:00)1st trading day of the month

    Brokerage Fee 0.6% (min R40) plus Vat 0.10% plus VAT

    Investor Protection Levy

    Included above Included above

    STRATE Settlement charge

    Included above Included above

    Securities Transfer Tax (on share purchase)

    N

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