Every week, ffreedom will publish guaranteed investment rates — helping you track real growth and make informed decisions.

In a time of rising inflation and global economic shifts, South African investors are rethinking what it means to truly grow their wealth.

What is real growth?

Nominal return: The raw percentage gain.

Real return: Adjusted for inflation — the true increase in purchasing power.

Example: A 5% return in a year with 4% inflation is only a 1% real return.

• Are we chasing returns that only look good on paper?

• Is your portfolio truly growing — or just keeping up with inflation?

• Have we accepted the big fund narrative of what makes a return ‘acceptable’?

• Are South African investors measuring success by benchmarks that ignore purchasing power?

• What does real wealth creation look like in an era of persistent inflation and global uncertainty?

It’s time to move beyond the illusion of growth. Real wealth is built when your investments outpace inflation, align with global trends, and reflect your values. Are you ready to rethink what growth really means?

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Competitor rates have been sourced from the Masthead website including Momentum at full commission permissible.