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What's Inside the Modern
Money Masterclass?

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Modern Money video: step-by-step S&P 500 tax-free setup with Munya Shumba
How to invest in the Nasdaq-100 video cover with Munya Shumba
The best retirement annuity in SA video cover with Munya Shumba
How to start with R200pm video cover with Munya Shumba
Which app do I use? video cover with Munya Shumba
Explore Masterclass
SA's Money System book by Munya Shumba

What Corporate SA Doesn’t Want You To Know About Money

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What's Inside

Frequently Asked Questions

With 12 years’ experience as a registered financial advisor, I’ve created this platform to assist South Africans gain world-class access to financial literacy and develop an in-depth knowledge on how financial services products work in South Africa. It explores which products are designed to leave you trapped and which will help you achieve investment success, as well as no matter what you earn, how you should aim to create a portfolio to give you financial security in the short, medium and long term.

The content on this website, including my book and my course, is for educational purposes only. My goal is to empower you with the knowledge and answers to questions that are difficult to find in the marketplace, so you can make your own informed decisions and set up your own investments with success.

There are nearly 17 million employed South Africans, and there are just under 12,000 registered financial advisors. There is a complete mismatch between access to information and those who need help and can’t find it. This website aims to be a voice for those who haven’t been heard and want to be listened to.

If this is overwhelming, start with my book. It’s enough to get an understanding. If you’re ready to take action, deepen your understanding, open and review investments, then the Modern Money course will give you a roadmap never seen before in South African history. It demonstrates where you need to start and why, and most importantly, once you’ve digested and understood the course, step by step guides showing you how to do it.

I’ve posted on social media since January 2024 and made hundreds of videos across Instagram, TikTok, Facebook and YouTube for free. Every 90-second video takes 5-10 hours to create, and all that information is open to the public, videos where tens of thousands of people have acted. I’ve been offered life-changing money to promote and partner with institutions you know very well and said no. My intention is to use 12 years of experience to remove the bias from what you have or haven’t been told for years and deliver unfiltered truth from the inside that will actually let you win with investing. To support this vision and build the website to give South Africans the experience they deserve has cost money, including the developers, the copywriters, and the team that supports this.
Currently, I’m not taking on new customers. My goal is to support all the course members understand the material and open their eyes to the true mechanics of specifically retirement and tax-free investments in SA for now. That is my number one priority.

Currently, the Tax-Free Savings course is available. You can find out more details on the next page.

Modern Money video: step-by-step S&P 500 tax-free setup with Munya Shumba
Step by step guide S&P500 Tax Free Setup
  • How to set up a tax-free account for your children.
  • Which is the best company in SA for a tax-free account?
  • Why every South African needs the right tax-free account.
  • Why a tax-free account at the bank is a wealth destroyer and a missed opportunity.
  • How to transfer your tax-free at the bank to a tax-free investment and earn millions long term, step by step.
  • Why a tax-free account is not a rainy-day fund.
  • Course will show a wide range of investment options, not just the S&P500.
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How to invest in the Nasdaq-100 video cover with Munya Shumba
How to Invest into the
Nasdaq-100
  • What is the Nasdaq-100?
  • Is the Nasdaq-100 safe?
  • Will I lose money investing here?
  • How to use this engine long term to grow wealth.
  • How to use the Nasdaq-100 with your tax-free account and step by step process.
  • Why you’ve never heard of this fund and why it’s hidden from you.
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The best retirement annuity in SA video cover with Munya Shumba
The Best Retirement Annuity in SA
  • Which RAs you must AVOID AT ALL COSTS.
  • My 5 top Retirement Annuity picks and why.
  • Are retirement annuities still worth it in 2026?
  • Why RAs failed South Africans previously, and why that’s changed.
  • Can you transfer a poor-performing RA and how?
  • Should you cancel your RA for a tax-free?
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How to start with R200pm video cover with Munya Shumba
How to start with R200pm
  • Why you don’t need to earn a lot of money to invest.
  • How you can get rich long term by starting small.
  • How to invest in the biggest companies in the world with R200.
  • How to grow R200pm to R1M with patience.
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Which app do I use? video cover with Munya Shumba
Which App/Platform do you use?
  • Discover the most user-friendly apps.
  • Learn which are the best companies for the certain products and why.
  • Demonstrate how to set yourself up with screen recording.
  • Why investing with certain companies is a recipe for disaster.
  • Should you have all your eggs in one basket?
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Preview
SA’s Money System Is Meant To Keep You Broke by Munya Shumba
What Corporate SA Doesn’t Want You To Know About Money
  • Insider insights from years in the financial services trenches.
  • The real reason you’re not taught about money.
  • Why the system will never change to help you succeed.
  • Why you must educate yourself AT ALL COSTS.
  • Why so many South Africans failed before. But it’s different now if you understand the game.
  • How to avoid the mistakes your parents made.
  • Why this generation of South Africans will be the wealthiest ever: because of education.
  • HODL – “Hold On for Dear Life”.
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