Know where your money stands.
The Blueprint is your personal financial plan, built on your phone in about 30 minutes.
See what your money is really doing, have the plan checked and signed by a licensed financial adviser, then invest on your own, without paying anyone a percentage every year.
Three questions most people can’t answer.
How much is really left over at the end of each month, after the annual bills too?
What your investments cost you each year, in rands, not percentages?
Which of the things you own are actually making you money?
If you don’t measure it, you can’t control it.
The Blueprint takes everything you have, earn, owe and spend, and shows you what each part is actually doing for you, in rands, in plain language. Most people have never seen their money this way.
Thandi, 34, Johannesburg
- Working for her:
- her retirement annuity (a tax-friendly savings plan for retirement), R420 000, growing faster than prices
- Sitting idle:
- R65 000 in a savings account, earning barely more than prices go up
- Costing her:
- about R13 800 a year: R3 800 in interest on an R18 000 credit card balance, and about R10 000 in fees on her retirement annuity (2.4% a year)
- Left over each month:
- R4 300 after annual bills, not the R7 000 she thought
Your real surplus
What’s left each month once the yearly bills are counted.
Your assets, sorted
Which earn, which sit idle, which cost you.
Your debt, in rands
What it actually costs you every year.
“Only 2% a year” is never only 2%.
A percentage fee is taken quietly, every year, from your whole balance, including the growth you’ve already earned. Over twenty years it can become one of the biggest bills you’ll ever pay, and you never see it as one number.
When you invest through a traditional adviser, you usually pay three layers of fees: the adviser, the platform that holds your investments, and the fund itself. Together that’s often around 2–2.5% a year. A simple index fund (one that just follows the market, like the JSE Top 40) can cost as little as 0.1%.
R560 000
What a 2% annual fee could cost someone who invests R250 000 plus R2 000 a month over 20 years, compared with a low-cost route.
Example only, not a forecast or advice. Assumes 9% a year growth before fees, 2% a year in total fees on the traditional route, and 0.5% a year plus a once-off R1 500 Blueprint fee on the low-cost route. Real returns and costs vary.
A real plan, without the meetings.
- 01
See where you stand.
Answer plain questions on your phone about your household, income, spending, and what you own and owe. After each part you see something new about your money. About 30 minutes, at your own pace, and you can stop and come back.
- 02
A licensed adviser checks and signs it.
Your numbers arrive organised and complete, so an independent, licensed financial adviser can review your plan, recommend investments that fit you, and put their name to it.
- 03
Invest in your own name, at low cost.
You open your own account with a regulated, low-cost investment platform (an app or website where you buy funds yourself) and follow your plan. Your money never passes through us.
One clear plan you can actually explain.
- Where you stand:
- net worth, real monthly surplus, and a cash buffer, with honest numbers (what you can sell quickly kept apart from what you can’t).
- How your money works:
- every asset and debt sorted into working, idle or costing you.
- What you’re aiming for:
- your goals with dates and amounts.
- How to get there:
- how much to invest, where, and in what mix, recommended and signed by a licensed adviser.
- Updates when life changes:
- optional small flat fee to refresh your plan, never a percentage.
Built on five promises.
- Fees you can see.
- One flat, upfront fee you agree to. No hidden commissions.
- Software for admin, people for judgment.
- You don’t pay a human for work a machine can do, but a qualified professional signs every plan.
- The plan serves you.
- Recommendations come from licensed advisers, never from us. We don’t sell products.
- Plain language.
- If you can’t explain your plan, we’ve failed.
- You own everything.
- Your data and your investments stay in your name. Leave any time.
Made for two kinds of investor.
Already investing, not sure it’s working.
You already have money invested, perhaps a retirement annuity, unit trusts (pooled investment funds) or a portfolio someone manages for you, but you couldn’t say what it costs you in rands, or whether it’s on track.
Starting out, on your own terms.
You’re in your 20s or 30s, you do everything else on your phone, and you’d rather not book an adviser meeting, but you want a professional to check your plan before you commit.
Not the right fit (yet) if you need complex estate or offshore tax structuring, or if you’re dealing with serious debt. In that case, a dedicated adviser or debt counsellor is the better first step.
R1 500. Once.
Standard
R1 500
Your full plan, reviewed and signed by a licensed adviser.
Founding member (first 100)
R500
For the first 100 people who join the waitlist and confirm their email.
Optional updates later cost a small flat fee, never a percentage. Platform and fund costs are separate and paid directly to the platform, and the plan helps you keep them low.
Launch prices. The founding price applies to the first 100 confirmed sign-ups and to your first Blueprint. You’ll see the final price before you pay anything.
I’ve spent 15 years building investment and payment platforms across several countries. Again and again I met people who couldn’t say where their money stood: what was working, what was idle, what was quietly costing them. Good, low-cost ways to invest exist, but most people either pay a percentage every year for advice they barely see, or go it alone with nobody checking. The Blueprint gives you clarity first, a professional’s signature second, and lets you keep the difference.
Frequently asked questions
What will I actually learn about my money?
Your real monthly surplus, what each asset is doing for you (working, idle or costing you), what your debt and fees cost you each year in rands, and whether your goals are realistic. Then a licensed adviser turns that into a plan.
Is The Blueprint giving me financial advice?
No. The Blueprint organises your information and prepares your plan. Advice and recommendations come only from the independent, licensed financial adviser who reviews and signs it.
Who are the advisers?
Independent financial advisers licensed by the FSCA, South Africa’s financial services regulator. You’ll see your adviser’s name and licence details on your plan. We’re onboarding advisers now.
Are you an adviser? Get in touch: hello@diyinvestments.co.za
Where will my money be invested?
In your own account, in your name, with a regulated South African investment platform. The Blueprint never holds or touches your money.
Why is it so much cheaper?
Most of the cost of traditional advice is the hours spent gathering and checking information. We automate that part, so the adviser’s time goes on judgment, and you pay once instead of every year.
What does it cost exactly?
R1 500, once-off, for your signed plan. The first 100 people on the waitlist pay R500. Platform and fund costs are separate and paid to the platform. No annual percentage fees from us.
Is my information safe?
Right now we only hold your email address. When the product opens, your financial details will be used only to prepare your plan and will be shared only with your adviser, and you’ll see exactly what’s shared before it happens.
When are you launching?
November 2026. Everyone on the list hears first.
Know where you stand. Keep more of what you earn.
Join the waitlist. The first 100 build their Blueprint for R500.