We are using cookies to give you the best experience on our site. To find out more see our Cookies Policy. By continuing to use our website without changing the settings, you are agreeing to our use of cookies.
Stay on top of the market and secure competitive daily rates
The Top5 Optimiser does all the work for you as it tracks the qualifying¹ South African money market funds ensuring you always get a competitive market related rate, without incurring fees.
How the product works
You get a great money market related interest rate that approximates the average of the top 5 qualifying¹ money market funds’ published daily rates
Benefits
Choose from a 45 or 90 day notice term with 10% instant access to your funds
With Top5 Optimiser 90 day notice product you will enjoy an additional premium of 0.15% on the 45 day Optimiser rate
There are no monthly fees* to erode your capital
Minimum and maximum deposit
Clients who do not have an Investec Private Banking account will need a minimum opening deposit of R250,000 to invest in a Top5 Optimiser account
Clients who have an Investec Private Banking account will need a minimum opening deposit of R100,000 to invest in a Top5 Optimiser account
The aggregate balance of all your accounts which are linked to money market funds cannot exceed R500 million including balances in any other Money Fund linked products per client. All deposits in excess of this limit, excluding capitalisation of compound interest, are restricted
See what your returns could be:
Future value calculator
Apply for a savings account or contact your private banker
Choose your notice period and access required, and earn a personalised interest rate. And if you do not place notice for 30 days, you will earn additional interest.
Private Select Fund
Private Select Fund
This exclusive savings solution offers you a market-leading interest rate on a minimum deposit of R1 million.