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Why net returns after fees matter?

Returns after all fees

Most investors don’t fully understand this & that returns have a significant impact on your retirement savings (e.g. Living Annuity, Preservation Fund, etc)

It can be difficult to determine true returns, but the good news is that we can help identify your returns after all fees, completely for free. We believe it’s important for you to know exactly where you stand with your retirement savings.

The Importance of Understanding Net Returns

Underperformance reduces overall returns
Many investors unaware of their returns
Low returns erode your retirement pot

At Investonline, we’ll show you your returns after all fees and help you see how much more you could save with a more optimised strategy.

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Comparison: How it works

At Investonline, we offer a free comparison to give you clear insight into your product rules, fee structure and actual fund performance.

We help you make informed decisions to improve your financial outcomes.

Benefits of a Free Comparison:

Know Your Returns: See real performance clearly
Risk Assessment: Understand your investment strategy
Fee Structure: Review and compare actual costs

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Discovery

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Maximise Your Returns

Maximise pre- and post-retirement returns with Living Annuities, Preservation Funds, Retirement Annuities or diversify with local Unit Trusts and Offshore.

Our portfolios blend active and index strategies for flexible investing.

Key Investment Benefits

Diversify: Blend of active and index
Growth: Time spend in the markets
Cost: Keep overall cost low fees
Risk: Balanced with active and index
Flexibility: Tailored to your goals

Reach your goals with proven strategies.

Browse Product Returns

	Investonline (IO) Portfolios	1yr	3yr	5yr	10yr	15yr
Equities	IO High Growth	17.4%	12.8%	19.5%	9.6%	12.0%

	IO Balanced	15.0%	10.5%	13.6%	8.4%	10.2%
	IO Cautious	16.6%	11.1%	10.8%	8.2%	8.6%
Regulation 28	IO Income	11.4%	9.1%	8.5%	7.9%	8.3%

	IO Offshore High Growth	4.3%	16.0%	16.6%	13.5%	18.1%
	IO Offshore Growth	8.9%	13.8%	11.7%	10.6%	12.4%
Global Focus (ZAR)	IO Offshore Balanced	11.4%	13.3%	12.9%	10.0%	11.4%

Investonline (IO) Performance

Actual 15-year performance annualised from Mar 2010 to Mar 2025

12.0% IO High Growth 15 Yr Annualised

10.2% IO Balanced 15 Yr Annualised

8.6% IO Cautious 15 Yr Annualised

Source: Morningstar

Investonline Investment Strategy

Three core pillars focused on your retirement.

1. Purpose-Built Portfolios

We build portfolios for retirement—focused on growth, stability, and offshore exposure.

2. Evidence-Based Approach

We combine index and active strategies to diversify, focusing on consistency—not hype.

3. Smart, Maximum Efficiency

Our approach is streamlined. Every decision drives value and keeps your money working.

Why returns after all fees are important?

Returns after fees are an important factor

Net returns after fees are critical to your financial success—it’s that simple.

Imagine a 10% baseline return. A 1% underperformance over 25 years reduces wealth by 20%, while 3% underperformance slashes it by 50%, significantly impacting growth.