Ms_EasyVestor 🦋

Investing 🦋 Butterfly & STEM 👩‍💻👩‍🔬 Girlie | Investing & Earning Passive Income 🔁 | Tweets not Financial Advice | Motivating U 2 Start 🇳🇦

[Ms_EasyVestor 🦋 @Ms_jaco]

Before you invest in ETFs you need to know how to read A Fund Factsheet/Minimum Disclosure Document (MDD)

[A thread]

Use images for reference

[Ms_EasyVestor 🦋 @Ms_jaco]

@nata_ngwe Forward we go, we all started there 👌🙏 keep pushing

[Shay Boloor @StockSavvyShay]

$JOBY COMPLETES FIRST-EVER PILOTED EVTOL FLIGHT BETWEEN TWO U.S. AIRPORTS

[Ms_EasyVestor 🦋 @Ms_jaco]

@Fancyfoodmart True thought it uses air to fry 😂

[MR. HiMSELF @pushinM15]

This person woke up to R14,251 in dividend payments.

No salary. No client. No hustle. Just shares doing what shares do.

Here is the breakdown:

Calgro M3 Holdings paid an annual dividend of 8.64 cents per share on June 22, 2026. To collect R4,723 at that rate, you need roughly 54,700 shares. At Calgro's current price around R5.20, that position is worth close to R285,000. Not a lottery win. A position built slowly.

4Sight Holdings declared a final dividend of 3.0 cents per share for their financial year ended February 2026, after posting a 16.3% increase in revenue to R1.16 billion and a 45.8% jump in operating profit. To collect R9,528 at 3 cents per share, you need over 317,000 shares. At 72 cents per share, that position costs around R228,000.

Combined capital deployed: roughly R513,000.
Dividend income collected: R14,251 in one day.
Annual yield on capital: about 2.8%.

Small yield percentage. Big rand number.

That is the lesson most people miss. Yield percentage is meaningless without share volume. R10,000 invested at 5% yield returns R500. R500,000 invested at the same yield returns R25,000.

The person in this screenshot is not lucky. They accumulated shares in two JSE small-caps that most retail investors scroll past. Calgro M3, founded in 1995, builds large-scale integrated residential properties across South Africa. 4Sight provides AI-driven Industry 4.0 technology solutions to enterprises across multiple continents.

One builds houses. One builds the future.

Both paid real rand into a real account.

The lesson is not which stocks to buy. The lesson is that dividends reward holders, not browsers.

You have to stay.

[Ms_EasyVestor 🦋 @Ms_jaco]

@AndyMpungose We are eating together mate 🤑💰💸💵💲

[Ms_EasyVestor 🦋 @Ms_jaco]

Hunger just hunger 🥹

[Ann ❤️ @Annie_Modiba]

People that eat in restaurants alone or drink at the bar solo, what’s your secret to social confidence?

[Kalenga @Hamnjela]

Seeing siblings and friends buying property together has to become normal among us, because it might just be the smartest way for young people to get onto the property ladder in this economy.

Think about it. Property prices keep climbing and interest rates are high, which makes buying alone harder every year. But when two or three friends or siblings pool their incomes and buy one property together, everything changes. You combine your incomes, so the bank qualifies you for more. You split the deposit, the bond repayments, the rates, the transfer costs, and the maintenance. Suddenly a property that was impossible alone becomes very affordable when the load is shared. Banks have actually noticed this. In South Africa, collective home loan applications have been rising sharply, with many of these deals involving four or five people buying together, precisely because it is easier for several people to carry one bond than for one person to carry it alone.

Because the repayment is shared, you can pay that property off years faster than a single buyer ever could, which means you escape a huge chunk of the compound interest the bank would otherwise collect. Later, if you no longer want to live in it, you do not have to sell. You can turn it into a rental or an Airbnb and let it earn an income for all of you. You have turned a shared expense into a shared asset that pays you.

So how does it actually work? You and your co-buyers find a property you are all interested in or approach the bank for pre-approval so you know exactly what you qualify for as a group. But ... when the bank tells you the maximum you qualify for, do not take the maximum. Take something in the middle, comfortably below the ceiling, so that the repayments stay light and you can throw extra money at the bond and clear it in a few years instead of twenty.

Get a lawyer involved before you sign anything. This is where most people go wrong. They buy with people they trust and assume nothing will go wrong, so they skip the paperwork. Do not make that mistake. Have a conveyancing attorney draw up a proper co-ownership agreement that clearly sets out each person's share, who pays what, how decisions are made, and exactly what happens if one person wants out, loses their job, or passes away. Allocate the shares in writing, whether equal or based on what each person contributes.

I want to be very honest with you about the risks too, because this is not all upside. When you take a joint bond, everyone is what the banks call jointly and severally liable. In plain terms, that means if one person stops paying, the others are legally responsible for the full repayment, and everyone's credit record takes the hit, not just the one who defaulted. Removing someone from the bond later is not simple either. And if there is no clear exit plan, a disagreement can end up in court forcing a sale, which is expensive and ugly. This is exactly why the lawyer and the written agreement are not optional; they are what protect the friendship and the investment at the same time.

This is not financial advice, just something to think about.

[Tina @mstinan]

Never in a million years did I think I’d ever become a minimalist. I used to be such a shopaholic and would spend all my money at the mall. Now, sales can pass me by and I won’t even flinch one bit. I budget my purchases months in advance and I ask myself repeatedly if I really need something before I buy it. Cheers to growth. 🥂

[Oyinkansola @oyinkanbadejo]

I really really hope every young person getting into stocks has a solid or atleast, almost solid emergency fund

[David (TalkingCents) @talkcentss]

𝗙𝘂𝘁𝘂𝗿𝗲 𝗕𝗿𝗲𝗮𝗱 𝗣𝗿𝗶𝗰𝗲

South Africans, bread will cost you an estimated R50,00 in 2040.

🍞2024 = 𝗥𝟮𝟬
🍞2025 = 𝗥𝟮𝟭.𝟭𝟬
🍞2026 = 𝗥𝟮𝟮.𝟮𝟲
🍞2027 = 𝗥𝟮𝟯.𝟰𝟴
🍞2028 = 𝗥𝟮𝟰.𝟳𝟳
🍞2029 = 𝗥𝟮𝟲.𝟭𝟯
🍞2030 = 𝗥𝟮𝟳.𝟱𝟳
🍞2031 = 𝗥𝟮𝟵.𝟬𝟵
🍞2032 = 𝗥𝟯𝟬.𝟲𝟵
🍞2033 = 𝗥𝟯𝟮.𝟯𝟴
🍞2034 = 𝗥𝟯𝟰.𝟭𝟲
🍞2035 = 𝗥𝟯𝟲.𝟬𝟰
🍞2036 = 𝗥𝟯𝟴.𝟬𝟮
🍞2037 = 𝗥𝟰𝟬.𝟭𝟬
🍞2038 = 𝗥𝟰𝟮.𝟯𝟮
🍞2039 = 𝗥𝟰𝟰.𝟲𝟰
🍞2040 = 𝗥𝟰𝟳.𝟭𝟬

This is why you need to invest in these bread ETFs, so that your money continues to keep up with rising prices.

[Ms_EasyVestor 🦋 @Ms_jaco]

@Hamnjela Oh 😭 we can only SBWL, enjoy the cute sun ☀️

[Kalenga @Hamnjela]

We need to teach and instill good financial habits in the younger generation, so that they will not grow up financially blind, fall for every product sold to them, live beyond their means, and sink into debt the way so many of us did.

[Money Matters with LihleM @Lihlee_mm]

A year later 📈

[Trophy Boyfriend @Khaze10]

People don't give themselves enough credit for overcoming things and getting better…you made it this far, celebrate yourself!

[SM.Mashilo 🇨🇩🇿🇦 @mashoto_]

Think of these ETFs like different brands of brown bread. One may be from Sasko, another from Blue Ribbon, and another from Sunbake. They have different packaging and branding, but at the end of the day, they are all brown bread with very similar ingredients and nutritional value.

The same applies to these Top 40 ETFs. They have different fund managers and branding, but they track the same Top 40 index and hold largely the same underlying companies. While there may be small differences in fees and fund structure, their overall purpose and performance are generally very similar.

In many cases, you’re simply buying the same bread with a different label.

[books 📖 @bookpoets]

save yourself

[Ms_EasyVestor 🦋 @Ms_jaco]

@Khaze10 Another unexplained kinda peace 🥹

[@theprobabilitytheory @theprobtheory]

@YoungMabopane Zero Judgement here! 🤘🏼

[Charles H Savage @CharlesHSavage]

I came across a data insight worth sharing.

EasyEquities reached its first R1 billion in cumulative deposits 934 days after launch.

This month, we added R1 billion in deposits in just 11 days.

What took over 2.5 years in the early days now takes less than 2 weeks.

That's an acceleration of almost 85x.

It's a reminder that compounding doesn't just happen in investment portfolios. It happens in businesses, brands, communities and trust. Progress often feels slow while you're living through it. Then one day you look back and realise just how much momentum has been built.

@EasyEquities

[Ms_EasyVestor 🦋 @Ms_jaco]

@mommy_moneyza @AstronEnergySA Congrats mumy 👏🏽👏🏽👏🏽👏🏽🥹🥹🥹