Hello

We are Fractal Capital,
a fiercely independent,
holistic financial services provider.

Committed to a personal, paperless and informative approach that simplifies achieving your goals and growing your financial acumen along the way.

Whether saving for education, protecting your assets or investing locally or offshore we can guide you with information, comparisons, tools, hassle-free onboarding and human support.

Let us do advice & admin - you do life.

Astute

Advice

Always

Pinky Promise

Fractal Capital believes in transparent and ethical business practices.

We believe that trust is the foundation of a successful partnership. Our fiduciary responsibility ensures that your best interests are at the forefront of every decision we make. We always act in a manner consistent with your goals and aspirations, aligning our strategies with your long-term financial success.

We are committed to treating you fairly.

  • The only way to make sense out of change is to plunge into it, move with it, and join the dance

    Alan Watts

  • Great things are done by a small series of small things brought together

    Vincent Van Gogh

  • The best thing a human being can do is help another human being to know more

    Charlie Munger

  • Wealth is not about having a lot of money; it's about having a lot of options

    Chris Rock

  • The stock market is a device for transferring money from the impatient to the patient.

    Warren Buffett

  • The art is not in the making of money, but in the keeping of it

    Proverb

SERVICES

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WHAT OUR CLIENTS SAY

  • Fractal Capital has the unique ability to tailor its offerings to the layperson, making financial planning easy for anyone to understand and gain value from.

    -BD

  • Fractal Capital has been outstanding with helping me to find the correct financial products that suits my needs. Victor is very knowledgeable about all the services he offers and uses that knowledge, to provide unbiased advice applicable to my financial situation, taking his time to carefully explain all the available options to me. It’s been an absolute breeze dealing with Fractal Capital and I can highly recommend to anyone looking for highly personalised financial services that has your best interest at heart.

    - JP

  • It's great having someone trustworthy to talk to about my financial matters. As a freelance artist, sometimes the world of personal finance can seem like a jungle. Dealing with someone who doesn't see the need for unnecessary financial jargon is a godsend.

    -MLB

  • I have a few words to describe my experience of Paul. Professional, Knowledgeable, Patient and Kind…Here was a person that actually knew what he was talking about and knew he had to tailor the info to someone who literally doesn't have a clue about the market…Paul is a genuine human being with a true passion for what he does and a compassion and kindness for is refreshing!

    - OT

  • Thanks for the years of great advice and personalised service. Highly recommended.

    -MB

  • Paul has been advising me since 2018, and has been an absolute lifeline in making better choices in how to both manage my money, and in investing. Paul takes the fear out of investing and budgeting and through his insights and guidance, I am confidently building a secure financial future for myself.

    - DH

  • Victor Barnard, Fractal Capital is a truly caring financial broker, always looking out for the best ways to save you costs and help you grow your funds. He is on top of current affairs within finance and shares willingly. He is always efficient and willing to accommodate his clients. Victor also has a great way of explaining the jargon that often scares those not so finance savvy. I would gladly recommend Fractal Capital to anyone.

    -MD

  • I had just turned 40 and was looking for investment advice for my future retirement plans as well as a safety net for my wife should something happen to me. Paul came highly recommended by a friend and I can definitely say I was not disappointed. He was honest with his review of my situation and gave me fantastic investment advice. I feel that my future plans are safe in his capable hands.

    - RD

NEWS

News and Articles
Two Pot System - An Explainer
Fractal Capital
Two Pot System - An Explainer
Fractal Capital

An explainer article on the Two Pot system

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Fractal Capital
Understanding Compound Interest
Fractal Capital
Understanding Compound Interest
Fractal Capital

Crunching the numbers

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Fractal Capital
Careful who you ask
Fractal Capital
Careful who you ask
Fractal Capital

Thoughts on seeking advice

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Fractal Capital
Debt Smashing Strategies
Fractal Capital
Debt Smashing Strategies
Fractal Capital

Some strategies to help you fight the debt monster.

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Fractal Capital
Mind the GAP
Fractal Capital
Mind the GAP
Fractal Capital

Some information on GAP cover and some of it’s applications.

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Fractal Capital
Disability Cover and why you need it.
Fractal Capital
Disability Cover and why you need it.
Fractal Capital

Some information on insuring your most important asset.

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Fractal Capital
How to Retire Early - F.I.R.E Movement
Fractal Capital
How to Retire Early - F.I.R.E Movement
Fractal Capital

Information about a new movement…the FIRE movement.

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Fractal Capital
Budgeting - Where your money goes…(wrong)
Fractal Capital
Budgeting - Where your money goes…(wrong)
Fractal Capital

The ins and outs of budgeting,. The cornerstone to financial planning.

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Fractal Capital
Horrible truth about saving in South Africa
Fractal Capital
Horrible truth about saving in South Africa
Fractal Capital

Us South Africans are great at many things, but savings, not so much. Lets take a look how and why.

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Fractal Capital

MEET THE ADVICE TEAM

Victor is the Founder of Fractal Capital, and has been in the industry since 2009. Holds a Qualification in Wealth Management, RE1 & RE5 and is also the Key Individual.

Connect on LinkedIN here

Paul is a Senior Advisor at Fractal Capital, and has been in the industry since 2009. He holds a CFP Qualification, RE1 & RE5.

Connect on LinkedIN here

Get in touch if you want to be part of a future-forward, advisor built FSP with a strong client value focus.

We have an inclusive hiring & partner policy.

Click here to enquire

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CONNECT

To discuss your specific financial goals, we invite you to connect...

We understand the significance of personal interactions, and we are ready to engage with you in a manner that suits your preferences and schedule.