| Category | Typical benchmark | Typical TER |
|---|---|---|
| Broad local equity | Capped SWIX All Share | 0.10% to 0.35% |
| Top 40 | Top 40 or Top 40 SWIX | 0.10% to 0.30% |
| Global equity | MSCI World or All Country World | 0.25% to 0.60% |
| US equity | S&P 500 | 0.20% to 0.45% |
| Emerging markets | MSCI Emerging Markets | 0.40% to 0.75% |
| Local bonds | All Bond Index | 0.15% to 0.40% |
| Listed property | SA Listed Property | 0.25% to 0.50% |
| Commodity | Physical gold or platinum | 0.30% to 0.70% |
| Investment | At 0.15% TER | At 0.40% | At 0.70% | Over 20 years at 0.70% vs 0.15% |
|---|---|---|---|---|
| R100,000 | R150 a year | R400 | R700 | About R25,000 forgone |
| R500,000 | R750 a year | R2,000 | R3,500 | About R125,000 forgone |
| R1,000,000 | R1,500 a year | R4,000 | R7,000 | About R250,000 forgone |
| Item | Outside a wrapper | Inside a TFSA |
|---|---|---|
| Local dividends | 20% withheld | Exempt |
| Foreign dividends | Taxed with partial exemption | Foreign withholding still applies |
| Interest distributions | Taxed at your marginal rate | Exempt |
| Capital gain on sale | CGT applies | Exempt |
| Securities transfer tax on purchase | 0.25% | 0.25%, still applies |
Data maintained by TradeAnswers · updated as the figures change