S3E35: How R500 a Month Became R36,903

Send us Fan Mail R500 a month. R200 into a savings account, R300 into the JSE split across two ETFs. Five years later, here's exactly what you'd have and why the bank's guaranteed 16% is the number that should worry you most. I break down every rand: what the savings account paid, what each ETF returned, what the fees actually cost, and what inflation quietly took back while you waited.