Advicement Full Disclosure

General Disclosures

Advicement Investment Services (Pty) Ltd ("us", "we", "our", "Advicement" or “Advicement Investment Services”) operates a website at ("our website") and holds a Category 1 license from South African Financial Service Board (Financial Service Provider #: 47117). does not provide a full suitability analysis nor personalised financial planning to investors such as estate, tax, or retirement planning. Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Financial advisory services are only provided to investors who become Advicement Clients ("Clients").

Past performance is no guarantee of future results, and any expected returns or hypothetical projections may not reflect actual future performance. All investments involve risk and may lose money. There is no guarantee or assurance that an investment mix or any projected or actual performance shown on the website will lead to the expected results shown or perform in any predictable manner.

Advicement Users and Clients are bound by Advicement Terms and Conditions which serve as an agreement between you and us. The Advicement Terms and Conditions are published on the Advicement website.

Advicement Clients are also bound by bound by Easy Equities (a platform managed by First World Trader (Pty) Ltd) trading as, an authorised financial service provider, FSP number 22588) Terms and Conditions and their relevant discretionary investment mandates once they elect to become a Client.

FAIS Disclosures

Advicement Investment Services (Pty) Ltd, a private company registered in the Republic of South Africa under registration number 2013/122231/07, is an authorised financial service provider, FSP number 47117, offers an automated investment service. Advicement Investment Services (Pty) Ltd has its registered business address at 16 Milford Avenue, Dowerglen Ext. 1, Edenvale, Gauteng, South Africa. Advicement Investment Services holds Professional Indemnity Cover. Advicement holds a Category 1 license from the Financial Services Board in Advice and Intermediary Services under Retail Pension Benefits and Participatory interests in Collective Investment Schemes sub-categories.

Advicement’s compliance officer is Mr Clive Le Meme, Key Comply cc (practice no: 6090), who can be contacted directly on 083 469 8166 or by post at PO Box 752415, Gardenview, 2047.

Advicement Investment Services does not directly or indirectly hold more than 10% shares in any product supplier. We endeavour not to pursue transactions where there is a conflict of interest. A copy of our Complaints Resolution Policy is available on request.

In the event that you are dissatisfied with any aspect of our service, please address your complaint to Advicement Investment Services. Please note that before you lodge a complaint with the FAIS Ombud, it is encouraged that you first try to resolve the complaint with our office. The FAIS Ombud physical address is Sussex Office Park, Ground Floor, Block B, 473 Lynnwood Road, Corner Lynnwood Road and Sussex Avenue, Lynnwood, 0081 and their postal address is PO Box 74571, Lynnwood Ridge, 0040. The FAIS Ombud can also be contacted via telephone on 012 470 9080 or via fax on 012 348 3447. For more information please visit the FAIS Ombud website on

All information obtained or acquired about you shall remain confidential unless you provide written or electronic consent, or unless we are required by any law to disclose such information. The Protection of Personal Information (POPI) Act requires us to obtain your consent and inform you on how we use and disclose your personal information. We are committed to protecting your privacy and will ensure that your personal information is used appropriately, transparently and according to applicable law. Advicement Investment Services does have a Protection of Personal Information Manual, which is available on request.

Advicement Investment Services earns a service fee paid by the client through the Easy Equities platform . Advicement Investment Services is not an associated company of an Insurer. Advicement Investment Services does not use the services of a third party collection agency.

Advicement Fee Disclosures

The Client is invested through the Advicement bundles provided on the Easy Equities platform. Advicement earns a service fee paid by the client through the Easy Equities platform. Advisory fees are calculated based upon the amount of assets being managed. Advicement does not charge any initial advisory fees. A schedule of fees earned by Advicement is published and explained on the Advicement low fees page. Please refer to Easy Equities cost profile which explains the full set of fees associated with investing in bundles on the Easy Equities platform.

Advicement does not make any representations regarding the execution quality of orders placed with our brokerage partner.

Advicement Investment Process Disclosures

Advicement investment methodology is based on Robust Portfolio Construction Techniques. However, it is only one possible way to invest. Clients should be aware that the Advicement process is based in part on a careful evaluation of past price performance and volatility in order to evaluate future probabilities. Although Advicement seeks multiple asset classes for its clients in order to diversify portfolios, it is possible that different or unrelated asset classes may all exhibit similar price changes in similar directions. This correlation of price behaviour may adversely affect a client, and may become more acute in times of market upheaval or high volatility.

Exchange Traded Fund Selection Disclosures

The securities employed in Advicement client portfolios are exchange-traded funds (ETFs). Although Advicement believes its selection process identifies ETF’s with high liquidity, low expenses, and low tracking error, Advicement selection process does not guarantee the quality of a particular ETF or that it will 1) be profitable, 2) properly track any comparable index, 3) trade in a liquid fashion, or 4) trade at or above its publicly-posted net asset value.

Advicement reserves the right to change at any time the selection of ETF’s that it has in the Advicement portfolio if, in Advicement sole discretion, any ETF does not meet certain requirements. Clients should be aware that changes in the selection of ETF’s employed by Advicement investment management service may result in the sale of their existing holdings and may subject them to additional tax liability.

ETFs are only one type of securities product and Advicement generally does not make available to Clients other types of securities products that an investor may wish to consider as part of his or her overall financial plan. Other ETF’s or investment products may provide different performance.

ETF Fee and Performance Disclosures

An ETF typically includes embedded expenses that may reduce its net asset value, and therefore directly affect its performance and indirectly affect a Client’s portfolio performance or an index benchmark comparison. These expenses may include management fees, custodian fees, and legal and accounting fees. ETF expenses may change from time to time at the sole discretion of the ETF issuer.

Furthermore, ETF performance may not exactly match the performance of the index or market benchmark that the ETF is designed to track because 1) the ETF incurs expenses and transaction costs not incurred by any applicable index or market benchmark; 2) certain securities comprising the index or market benchmark tracked by the ETF may, from time to time, temporarily be unavailable; and 3) supply and demand in the market for either the ETF and/or for the securities held by the ETF may cause the ETF shares to trade at a premium or discount to the actual net asset value of the securities owned by the ETF.

Certain ETF strategies may from time to time include fixed income, commodities, foreign securities, or other securities for which expenses could be higher than otherwise charged for exchange-traded equity securities, and for which market quotations or valuation may be limited or inaccurate.

Performance Disclosures

Performance information is presented net of all management fees and expenses unless marked otherwise. For all periods the performance information includes the reinvestment of dividends and interest unless otherwise noted.

Any comparison to traditional financial advisors is based on an evaluation of average fees and returns. Actual results may be different for each investor and there can be no guarantee of enhanced returns due to additional diversification, ETF selection, or the use of Advicement website.

Projected and/or hypothetical performance is intended to show only an expected range of possible investment outcomes based on historical average returns and standard deviation of each investment type contained in the investment mix recommended by Advicement, but does not take into consideration the effect of taxes, changing risk profiles, or future investment decisions. Projected and/or hypothetical performance does not represent actual Client accounts or actual trades and may not reflect the effect of material economic and market factors. The actual transaction costs in Client accounts may be different.

Actual investors on Advicement may experience different results from any hypothetical results shown. There is a potential for loss, as well as gain, which is not reflected in the hypothetical information portrayed. The hypothetical performance results shown do not represent the results of actual trading using client assets but were achieved by means of the retroactive application of a model designed with the benefit of hindsight.

Any comparisons to indices are provided for illustrative purposes only. An index is a broadly diversified, unmanaged group of securities, which may include only large capitalization companies or companies of a certain size. Broadly based indices may be shown only as an indication of the general performance of the financial markets during the periods indicated. Because of the differences between the client allocations and any indices shown, Advicement cautions investors that no index is directly comparable to the performance shown since each index has its own unique results and volatility, and such indices, if shown, should not be relied upon as an accurate comparison.

The return, composite and performance information shown on the website uses or includes information compiled from third-party sources, including independent market quotations and index information. Advicement believes the third-party information comes from reliable sources, but Advicement does not guarantee the accuracy of the website and may receive incorrect information from third-party providers. Unless otherwise indicated, the information on the website has been prepared by Advicement and has not been reviewed, compiled or audited by any independent third-party or public accountant.