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Dreamer

Built in South Africa,for South Africa

Most people never invest because the first step is the whole problem. Dreamer removes the step. You spend the way you spend, and the change goes where you said it should.
What we believe

Doing nothing should bethe productive option.

Example week: R38.60 collected and invested every Friday. Decisions needed from you: none.

The enemy is inertia

Not fear, not ignorance: the way last month went. Investing apps ask you to open them, decide something, and then keep deciding. Most people, quite reasonably, do not. Dreamer is built so that doing nothing is the productive option. Link a bank account, name a dream, choose a fund, and every Friday your spare change is collected and invested without you lifting a finger. Then compounding does what willpower never could.

It is not a trading app. There is nothing to watch and nothing to time. It is a habit with a bar under it and a date at the end.

  • Nothing to trade, nothing to time
  • A name, a number and a date for every rand

The product is the equality

Every fund Dreamer offers is open to every member from day one. There is no higher tier that unlocks better funds and no minimum that keeps anyone out. The membership is R99 a month, and once a balance passes R150 000 it falls away entirely: the people who have built the most pay the least.
  • Every fund open from day one
  • Membership falls away past R150 000

All of them

Funds open to you

  • Horizon 1 of 3

    Under 3 years

  • Horizon 2 of 3

    3–5 years

  • Horizon 3 of 3

    5 years +

Grouped by how long you have. Never recommended.

Principles

Four things Dreamerwill not bend on

  • The member chooses every fund

    Dreamer categorises. It never recommends, defaults or badges one fund over another. A choice made for you is not your choice.

  • Every fee, in the open

    A 0.5% platform fee, the fund's own fee, the monthly membership. All shown before you pay, all under 1% a year.

  • Your money is always yours

    Held with a regulated custodian in your name. Withdraw anytime, free. Dreamer never holds it.

  • Numbers tell the truth

    Every return carries its period, its manager and its worst stretch. Every projection carries the line that says it is not a promise.

The numbers

What it costs,in plain numbers

0.5%Platform fee a year, on what you invest
0.89%The most you pay all-in, a year. Always under 1%.
R150 000Past this, the monthly membership falls away.
How Dreamer works

Every tap buildsyour dream.Be first in.

Join the waitlist and be first in when Dreamer opens. Your change, invested every Friday and left to compound. R99 a month, all-in fees under 1% a year.

We will only use this to tell you when Dreamer opens. See the privacy policy.