They charged me to borrow my money

Their fees are so exorbitant that to make growth you need miracles to happen. Effective;y lost R15k with them over 5 years. it would have been better to have the money in a bank account or under a pillow. Their 5 Year products could only realistically make money for you after 10 years ... and when I say money I mean a positive return. The compounding loss suffered due to the fees can never be recovered.