Open a Money Market Fund account Open a regulated money market fund account through the official Money-Wise agency links: Etica, Sanlam, CIC and Old Mutual. Same fees, extra support.

Open your first investment account

A money market fund is the classic first step: your money earns daily interest, stays accessible, and is held by a regulated fund manager. Pick one below and apply on the provider's own official site, it takes about 10 to 15 minutes.

@if (session('investment_updated'))
Your progress has been updated.
@endif @if ($partners->isEmpty())

Partner details are being verified

We will publish provider requirements and official agency links after compliance review. You can still learn how compounding works today.

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@else {{-- How it works, three steps so nobody gets lost --}}
@foreach ([ ['n' => '1', 'icon' => 'file-text', 'title' => 'Get your documents ready', 'desc' => 'Every fund asks for the same five things. Tick them off below.'], ['n' => '2', 'icon' => 'search', 'title' => 'Pick your fund', 'desc' => 'Compare the four options. There is no wrong choice, all are regulated.'], ['n' => '3', 'icon' => 'shield-check', 'title' => 'Apply on their official site', 'desc' => 'Our link takes you to the provider. Your money goes to them, never to us.'], ] as $step)
{{ $step['n'] }}

{{ $step['title'] }}

{{ $step['desc'] }}

@endforeach
{{-- Interactive document checklist, shared by every fund --}} @php $mmfs = $partners->where('category', 'mmf'); $special = $partners->firstWhere('category', 'special'); $docs = $mmfs->first()->requirements ?? []; @endphp

Step 1 · Have these five things ready

The same documents work for every fund on this page, gather them once.

@foreach ($docs as $i => $doc) @endforeach
{{-- The funds --}}

Step 2 · Pick your fund

All four are regulated money market funds. Choose the name you trust or the sign-up experience you prefer.

@foreach ($mmfs as $partner) @php $application = $applications->get($partner->id); $links = collect($partner->links ?? []); @endphp
isNotEmpty()) x-data="{ account: '{{ $links->first()['key'] }}', urls: {{ json_encode($links->pluck('url', 'key')) }} }" @endif>

Money market fund

{{ $partner->name }}

{{ $partner->description }}

@if ($links->isNotEmpty())

Which account do you need?

@foreach ($links as $link) @endforeach
@endif
@auth @if (! $application)
@csrf @if ($links->isNotEmpty()) @endif
@else
@csrf @method('PATCH')
@endif @else @if ($links->isNotEmpty()) Open my account @else Open my account @endif

Sign in first if you want Money-Wise to track and support your application.

@endauth

Opens {{ $partner->name }}'s official secure application

@if ($partner->website_url)

Learn about this fund first

@endif
@endforeach
{{-- Oak Special Fund: a different product for a different stage --}} @if ($special) @php $specialApp = $applications->get($special->id); $facts = collect($special->facts ?? [])->keyBy(fn ($f) => $f['key'] ?? $f['label']); $termRows = $facts->except(['target', 'minimum', 'topup']); @endphp
{{-- Oak rings: a tree grows one patient ring at a time --}}
{{-- The story --}}

Ready for the next step?

{{ $special->name }}

By Faida Investment Bank · Regulated by the CMA

{{ $special->description }}

Who it suits: money you can genuinely lock away for six months or more. A target is not a promise, returns move with global markets and can be lower in any period. Still building your first cushion? Start with a money market fund above.

@auth @if (! $specialApp)
@csrf
@else
@csrf @method('PATCH')
@endif @else
Open my Oak account

Sign in first if you want Money-Wise to track and support your application.

@endauth

Opens Faida Investment Bank's official secure portal. Have the same KYC documents ready in one folder before you start, the portal times out on slow uploads.

{{-- The term sheet --}}

The fund at a glance

CMA regulated
@if ($target = $facts->get('target'))

{{ $target['label'] }}

{{ str_replace(' per year', '', $target['value']) }}per year

A target, not a promise. Returns move with global markets.

@endif
@foreach (['minimum', 'topup'] as $key) @if ($fact = $facts->get($key))

{{ $fact['label'] }}

{{ $fact['value'] }}

@endif @endforeach
@foreach ($termRows as $fact)
{{ $fact['label'] }}
{{ $fact['value'] }}
@endforeach

{{ $special->disclosure }}

@endif {{-- Why these links --}}

Why apply through these links?

These are the official Money-Wise (RH Group) agency links. You get exactly the same product, rates and fees as walking in yourself, the difference is that our team can see your application went through and help you if anything gets stuck. Your money never passes through Money-Wise: you pay the fund provider directly, and only the regulated provider holds your investment.

{{ $mmfs->first()->disclosure }}

{{-- Not sure where to start --}}
Not sure? Find your risk profile first See what consistent saving becomes
@endif