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Dreamer

Every fund, open to everyone

No gatekeeping, no exclusive tiers — every fund we offer is open to you from day one. Dreamer groups them by how long you have. You choose.
9 fundsFees shown before you chooseNothing recommended
9funds · 8 managers
Ninety OneCoronationSatrixSygnia ItrixFNB / Ashburton1nvest10XAbsa (NewGold)

You choose. Dreamer categorises.

Dreamer is execution-only. It may group funds by horizon and show you what each holds; it never picks one, defaults one or badges one as better.

Every fee, before you choose.

Each fund carries its own cost. It is on the tile before you tap it, and it is in your weekly report after.

Held in your name.

Your investments are held with a regulated custodian in your name. Dreamer never holds your money.

Horizon 1 of 4

Under 3 years

Money you will need soon. Income and cash, built to hold its value.

1 fund

  • Ninety One

    Low risk

    Ninety One Global Income

    Conservative global income — bonds and cash, 99.6% offshore

    Under 3 yearsfee 0.45%

    4.33%current yield · as at Mar 2026

    no return published yet — under 12 months old

Horizon 2 of 4

3–5 years

A few years away. Mixed assets that can move, with time to recover.

1 fund

  • Coronation

    Medium risk

    Coronation Optimum

    Global multi-asset, equity-biased, actively managed

    3–5 yearsTER 1.08%

    9.0%a year since Aug 2024 · as at Apr 2026

    latest 12 months −1.3%

Horizon 3 of 4

5 years +

The long dreams. Equity funds that fall in bad years and have historically grown over long ones.

5 funds

  • Satrix

    High risk

    Satrix S&P 500

    The 500 largest US companies, in rand

    5 years +TER 0.25%

    17.5%a year, 5-year annualised · as at May 2026

    lowest rolling 12 months 8.4%

  • Sygnia Itrix

    High risk

    Sygnia Itrix World

    23 developed markets, 72% US, since 2008

    5 years +TER — see the fact sheet

    11.7%a year, 10-year annualised · as at May 2026

    2022 was a negative year — see the sheet

  • FNB / Ashburton

    High risk

    FNB Global 1200

    S&P Global 1200 — seven regions, a fund of ETFs

    5 years +TER 0.45%

    15.7%a year, 5-year annualised · as at May 2026

    2022 was −12.0%

  • 1nvest

    High risk

    1nvest Top 40

    South African large-cap equity

    5 years +TER 0.32%

    16.3%a year, 5-year annualised · as at Oct 2025

    max drawdown −25.4% over 5 years

  • 10X

    High risk

    10X Asia-Pacific ex Japan

    Asia-Pacific ex Japan equity

    5 years +TER 0.58%

    17.2%a year since Jul 2023 · as at May 2026

    max drawdown −9.9%

Horizon 4 of 4

Diversifier only

Gold. A hedge beside a dream's fund, never the fund a dream is built on.

2 funds

  • Absa (NewGold)

    High risk

    NewGold

    Physical gold — a diversifier, never a dream's fund

    Diversifier only0.30% p.a.

    16.8%a year since 2004 · as at Mar 2026

    max drawdown −30.8%; worst year −20.3%

  • 1nvest

    High risk

    1nvest Gold

    Physical gold — a diversifier, never a dream's fund

    Diversifier only0.25% p.a.

    36.4%the last 12 months · as at Mar 2026

    one month −5.9%; no long-term annualised figure on the sheet

Return figures are the managers' published figures as at the month shown, each with the period it covers and the worst stretch on the same sheet. They are history, not a forecast. Costs are the total expense ratio or fee the manager publishes; where a sheet does not state one, the tile says so.

Dreamer is an authorised financial services provider. Your capital is at risk.

Funds are chosen per dream. How dreams work

Chooseyour funds.

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.