Spreadsheet Ranger 35 Posted November 27, 2018 In the spirit of diversification, I am contemplating if I should put some money into an RSA retail savings bond? I have R20 000 which I want to invest for the short term (14 - 24 months) I don't think I will easily be able to match 5 - 7% growth in EasyEquities with share picking and I don't feel like putting this into an ETF either. I would preferably want the interest earned to be re-invested into the account. Any ideas where best to put this money, it's far too tempting to keep it in my Capitec Account (too easy to access for stupid stuff like Sushi.) Quote Join the official JSE Discord Channel Share this post Link to post Share on other sites
backstreetboy 0 Posted December 4, 2018 In a Tyme Bank GoalSave https://www.tymebank.co.za/banking/personal/goal-save/ Quote Share this post Link to post Share on other sites
Spreadsheet Ranger 35 Posted December 13, 2018 The bond market does not look like a bad option if I invest for 2 years. Alternatively, I am thinking of maybe putting it in a PTXTEN ETF (Should get quarterly dividends) - Any idea how to work out what that will be? Quote Join the official JSE Discord Channel Share this post Link to post Share on other sites
SaurusDNA 85 Posted December 13, 2018 PTXTEN is looking extremely attractive at the moment. With an 8.61% dividend yield for the past year (probably will be over 10% next year now that the price per units has dropped so much this year), this means you'll be scoring at least a 10% return on this ETF even if the price stays flat. If the market recovers and we get double digit growth again next year, it's possible we might even be getting a 25% - 30% return on this ETF next year. I've bought quite a bit of PTXTEN in the past two months. Also look at bond ETFs, which give you more flexibility than a two year fixed bond. The NFGOVI bond ETF in particular has done well this year with a 7.61% growth so far. But as long as PTXTEN doesn't drop further, its dividends are still better. Of course, there's also the chance it will continue to drop, whereas bonds or bond ETFs are a safe bet. 1 Quote Share this post Link to post Share on other sites