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
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.
Check what the latest interest rates are
View terms and conditions
Investec Corporate and Institutional Banking (referred herein as “Investec”) is a division of Investec Bank Limited registration number 1969/004763/06, which is a registered bank, an Authorised Financial Services Provider (11750), a National Credit Provider (NCRCP 9) and a member of the JSE. Investec is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and the Ombudsman's details are available on request or visit www.investec.com.
1Below are the qualifying criteria that the Investec MoneyFund Tracker pricing is derived from:
• South African retail money market funds
• A fund size of R2 billion or more
• Less than 25% invested in corporate debt
Fund selection criteria are subject to change and the number of ranked funds may change from time to time.
Investec accepts no responsibility for changes in the fund or fund rankings.
All rates are indicative, and are subject to vary as rates are calculated on a daily basis. This is not an official confirmation of the term or rate, and any transaction that may be concluded pursuant to this shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties.