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FAQs - Products and services

What shares can be traded on the Share Saver product option?

With Share Saver, you don't have to choose any shares. With a single monthly investment, Share Saver gives you access to the Top 100 companies on the JSE, which consist of the RMB Top40 and RMB MidCap Exchange Traded Funds (ETFs).

What is an ETF?

An Exchange Traded Fund (ETF) is an investment fund that is traded on the stock exchange. It holds assets such as stocks, commodities, or bonds and trades close to its net asset value over the course of the trading day. Most ETFs track an index such as a stock index or bond index. ETFs are attractive as investments because of their low costs, tax efficiency, and stock-like features.

What is the RMB Top40 ETF?

The RMB Top40 ETF aims to provide returns linked to the performance of the FTSE/JSE Top40 Index. The ETF tracks the component equities of this index in proportion to the Index weightings. The FTSE/JSE Top 40 index contains the 40 largest shares in terms of market capitalisation listed on the JSE. The RMB Top40 ETF pays a quarterly distribution, made up of any dividends or interest earned from the underlying shares.

What is the RMB MidCap ETF?

The aim of the RMB MidCap ETF is to provide returns linked to the performance of the FTSE/JSE MidCap Index. The ETF tracks the component equities of the Index in proportion to the Index weightings. The FTSE/JSE MidCap index contains the largest 60 companies listed on the JSE that are not included in the FTSE/JSE Top40 Index in terms of market capitalisation. The ETF thus holds the 41st to the 100th largest companies on the JSE in terms of market capitalisation. The RMB MidCap ETF pays a quarterly distribution to investors, made up of any dividends or interest earned from the underlying shares.

When I invest, how many RMB Top40 shares do I get and how many RMB MidCap shares do I get?

For every instruction to buy, you receive one RMB Top40 share, and one RMB MidCap share.

What's the main difference between investing in an ETF and a share?

ETFs are attractive as investments because of their low costs, tax efficiency, and stock-like features. It is suited to customers who have a low risk appetite, as it is structured towards a more long-term investment strategy. You don't need to select the individual shares but still get exposure to the top 100 companies listed on the JSE, in a single investment.

What if I want to choose my own shares?

The Share Builder or Share Investor product may be better to suit your needs.

What shares can be traded on the Share Builder product option?

You can choose from a limited basket of JSE shares and exchange traded funds. Visit our Product Finder and choose Share Builder to learn more about these shares.

What happens if I want to buy shares that are not included in this list?

If you are already a Share Builder customer, you can upgrade to a Share Investor account online, by selecting 'Upgrade' from your Share Builder portfolio on FNB Online Banking. Alternatively, you can contact us on 0860 SHARES (742 737) during office hours or email us at shareinvesting@fnb.co.za.

What shares can be traded on the Share Investor product option?

The full range of JSE listed equity instruments are available for trade.

Can I bring shares that I own and load them onto my account?

Yes you may, depending on which shares these are and which account option you hold. For instance, if you are interested in a Share Builder account but would like to include shares that are not part of the Share Builder basket, we would recommend that you either sell those shares first or rather open a Share Investor account which allows you to add any JSE shares to your account.

How do I access education or information on the share market?

For more information, visit our Share Investing Education Centre on the FNB website. You'll find these educational articles under Share Investing in the Personal Banking section.

What are the online share investing charges?

Share Saver customers are charged a monthly account fee, which is based on the market value of your portfolio. It is calculated per annum but charged monthly. Values from R0 to R250 000 are charged 0.50% per annum (plus VAT); values from R250 001 to R1 000 000 are charged 0.45% (minimum R20) per annum (plus VAT), and values greater than R1 000 001, 0.35% per annum plus VAT.

The following charges apply per trade:

  • Brokerage of 0.6% (excl. VAT) or a minimum of R40 (excl. VAT) for trades on the day at 3pm
  • Brokerage of 0.10% (excl. VAT) for trades delayed until the first trading day of the month
  • Investor protection levy (IPL)* of 0.0002% (excl. VAT) of capital investment, which is not applicable for trades delayed until the first trading day of the month
  • STRATE fee* of 0.005623% with a minimum of R10.95 and a maximum of R54.59 (all excl. VAT)

*These fees only apply to trades on the day.

Share Builder account holders are charged an account fee of R35 per month and an all inclusive brokerage or trading fee of 0.8% (excl. VAT) per trade, calculated on the capital investment amount with a minimum of R80 per trade (excl. VAT).

Share Investor customers are charged an account fee of R65 per month with the following charges per trade:

  • Brokerage of 0.6% (excl. VAT) or a minimum of R80 (excl. VAT)
  • Investor protection levy (IPL) of 0.0002% (excl. VAT) of capital investment
  • STRATE fee of 0.005459% with a minimum of R10.95 and a maximum of R54.59 (all excl. VAT)
  • Securities Transfer Tax (STT) of 0.25% on the capital investment. This charge applies only to BUY transactions.

What other services do you offer?

We are able to assist with all matters relating to the administration of shares. Contact us if you have any queries and we will be glad to assist.

Can I buy Krugerrands through FNB Share Investing?

Yes you can, by opening either a Share Builder or Share Investor account! Read more about our Krugerrand offering

Share Investing
Apply Now Call me back 0860 SHARES (742737)