Financialsmiles re-invests all initial commission on investments transacted on-line, this enhances your investment by substantially reducing the initial charge!

Most investments have an initial 5% bid offer spread, thereby using Financialsmiles this is reduced to 2% or less.

For regular premium contracts bought online, substantial discounts have been applied to reduce the premiums.

All single investments and regular premium contracts pay renewal commission from nil to a maximum of .05% of fund value.