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Introducing instant top-ups, a new feature that allows you to replenish your Shyft wallet in seconds. No more waiting days for funds to land! Plus, enjoy 0% transaction fees on all ZAR wallet top-ups from 1-14 March 2025. Whether planning your next adventure, making a last-minute purchase, or seizing an investment opportunity, Shyft’s instant top-ups ensure you’re always ready.

The wait is over. Instant wallet top-ups are here!

Financial mistakes are often predictable due to the brain’s cognitive biases. Behavioural economics pioneer Richard Thaler reveals key biases, such as the Endowment Effect and Sunk Cost Fallacy, and offers strategies to avoid these traps. By understanding these common pitfalls, you can improve your financial decisions and make smarter choices in 2025.

Avoid predictable financial mistakes – here’s how

Discover why investing in the US stock market, particularly through S&P 500 index funds, can grow your wealth significantly over the long term. Lockstep CEO and seasoned investor Paul Farah explains the benefits of long-term investing, how to choose index-tracking funds, and the strategies for lump sum vs. monthly contributions.

Seeking to boost your long-term wealth? Try stocks

COMPETITION DETAILS HEREIN!
When plans to travel with friends finally make it out of the group chat, the real work starts. Booking flights, scheduling activities and buying forex can truly feel like a full-time job. We followed the adventures of a group of Shyft newbies to see how the global money app and its slew of nifty features make travelling, shopping and buying forex painless!

Shyft travel diaries: part 2

Discover how to make this festive season extra special with Shyft. From unique gifts sourced globally to unforgettable experiences and meaningful acts of giving back, Shyft empowers you to spread joy effortlessly. Learn how Shyft cards, affordable forex, and seamless payments can help you navigate the festive season while embodying the true spirit of the holidays: joy, generosity, and connection.

Celebrate the season with Shyft! 

Discover how Shyft and Apple Pay simplify holiday spending with safe, cashless transactions. Learn how to link your Shyft card to your Apple Wallet and enjoy the benefits of secure shopping, real-time spending updates, and stress-free payment methods. Embrace a new era of digital convenience and redefine your festive shopping experience with Shyft.

The future of festive: Shyft x Apple Pay 

Discover how to balance logic and emotion in personal finance. Learn about phantastic objects, emotional finance, and how Shyft helps you find harmony in managing wealth.

Balance is best: combining finance with “phantasy”

As Shyft prepares to welcome the Johannesburg Stock Exchange, we explore the stories of our lesser-known heroes. From pioneering fuel technology to contributions to NASA, and our rousing success in the music industry, South Africans have made remarkable strides in technology, culture, and sports. So let’s celebrate ’em!

Celebrating local innovation: SA's unsung victories

Dr Leila Fourie held several high-profile positions at Australia’s top financial institutions (the Commonwealth Bank of Australia, the Australian Payments Network), but in 2019 she returned to South Africa excited to take over the reins of Africa’s largest stock exchange. Being the CEO of the Johannesburg Stock Exchange allows her to work with the vibrant South Africans she loves while growing the country’s economy. 

JSE CEO Dr Leila Fourie shares her investment advice

Discover how limit orders, Shyft’s latest feature, can help you navigate the stock market and achieve your investment goals. Learn how to set limit orders, understand the benefits, and avoid common pitfalls.

Introducing limit orders: trading’s hidden gem

Discover how to experience the magic of Paris without breaking the bank. From tracking foreign exchange rates and locking your currency in, to local living advantages and purchase planning, there are so many ways to gift yourself the joys of travel with Shyft by your side.

#ShyftMath in Paris: winning gold in travel savings

COMPETITION DETAILS HEREIN!
When plans to travel with friends finally make it out of the group chat, the real work starts. Booking flights, scheduling activities and buying forex can truly feel like a full-time job. We followed the adventures of a group of Shyft newbies to see how Mzansi’s #1 global money app makes travelling, shopping and buying forex painless!

Shyft travel diaries: conquering the Eurotrip in one app

This Women’s Month, we honour three inspiring South African women who are making waves in the finance and investing sectors. From Jeannie D’s strategic investments in quality assets to Thandi Ngwane’s early retirement planning, and Nivedna Maharaj’s focus on financial well-being, their stories highlight the power of determination and financial literacy in achieving success.

She-quity: investing insights from SA’s leading ladies

In this final edition of Investing chronicles, Lockstep CEO Paul Farah explains why focusing solely on the share price can be misleading. He emphasises the importance of assessing a company’s actual value, similar to evaluating a house beyond its asking price.

Don’t let share prices dictate your investment strategy

Have you ever thought about turning your spare time into extra cash?  While the stock market can be intimidating for beginners, this article will break down the key takeaways from a recent webinar by financial expert Simon Brown to show you how you can start investing with confidence.

Time is money: investing as a side hustle

Unlock the secrets to long-term investment success with this comprehensive article. Learn how to navigate market volatility, identify promising companies, and make informed decisions. From understanding the correlation between earnings and share price to the importance of long-term perspective, this article covers essential investing principles and strategies. Discover how to build a solid investment portfolio and achieve your financial goals.

Investing chronicles: everything we’ve learnt so far 

This article explores how to take advantage of spin-offs using the independent listing of Grail as an example. Paul Farah of Lockstep explains what spin-offs are, and why it can be worth investing in a new, independent company after a parent company separates a portion of its business or a subsidiary into it.

Taking advantage of spin-offs

Forget short-term bets! This week, Lockstep’s Paul Farah explores why a long-term investment strategy is crucial for success in the stock market. Discover how focusing on long-term growth helps you weather market volatility, leverage the power of compounding, and invest in exceptional companies. 

Long-term investing and the power of patience

This article explores both the updated mobile app and web app platform, empowering you to manage your forex and offshore investments anywhere. Discover how using multiple platforms unlocks unmatched convenience, comprehensive control, and a seamless investment experience.

How to master Shyft on every device – wherever you are

Investor legend Peter Lynch claims a company's earnings dictate its stock price. This article explores the correlation between earnings and share price using Microsoft and the top 6 S&P 500 companies as examples. Lockstep’s Paul Farah delves into correlation coefficients and discovering a strong positive relationship, suggesting focusing on a company's fundamentals is key for long-term investing success.

Earnings and share price: a perfect match?

This article explains how you can get a R100 Shyft wallet top-up each if you refer a friend and they transact on the app using your referral code. You can share your referral code with as many people as you like and earn up to R10 000 in referrals.


Everything you need to know about Shyft referrals  

Feeling lost in a sea of stock charts? You’re not alone! This beginner’s guide cuts through the confusion and equips you to interpret charts with confidence. Learn about the three main chart types (line, bar, and candlestick) and what valuable insights they reveal. Discover how to identify trends, assess volatility, and make informed investment decisions.

Demystifying stock charts: A beginner’s guide

This week’s Investing chronicles unveils a key investing strategy: valuing businesses for their future potential, not just current earnings. Lockstep’s Paul Farah uses Innoviva (INVA) as a case study, showing you how to identify hidden value by considering a company's entire portfolio, future earnings potential, and strategic direction.

How to value a business for future growth

Feeling nervous about a stock market downturn? Discover how understanding a company’s liquidation value can be your safety net. This article explores what liquidation value is and how to calculate it. Learn how liquidation value provides a worst-case scenario for your investment, giving you peace of mind and potential buying opportunities.

How liquidation value can save your investments

Don’t let emotions sabotage your investment journey! Lockstep’s Paul Farah explores why managing your expectations is crucial for success. Learn from investing legends like Buffett and Pabrai. Discover five key strategies to manage emotions, from setting realistic expectations to accepting that mistakes are inevitable. By taking control of your emotions, you’ll be well on your way to becoming a more rational and successful investor.

The key to smart investing? Tame your emotions.

This guide shows South Africans how to enjoy long weekends without breaking the bank with budgeting tips, Shyft app tricks, and even some staycation inspiration.

Local travel tips: break free without breaking the bank

We reveal the five key principles Lockstep CEO Paul Farah uses to find high-quality, undervalued businesses. Discover how to invest within your circle of competence, identify healthy businesses with strong financials, and ensure honest management. Farah breaks down quantitative and qualitative measures to assess a company’s potential and outlines the importance of buying at the right price.

Five stock-selection principles to bolster your gains

South Africa’s leading global money app, Shyft, is now integrated with Apple Pay. Enjoy secure, one-tap payments using your iPhone or Apple Watch. Ditch the bulky wallet and experience ultimate convenience! Learn more and unlock a world of seamless payments today.

Meet fintech’s latest power couple: Shyft and Apple Pay

This article explores why individual investors can outperform professional money managers in the long run. It reveals the disadvantages of institutional investors, including short-term focus, restrictive mandates, and vulnerability to client behaviour. These constraints force institutional investors to mimic the market, hindering their ability to outperform it. In contrast, retail investors have more flexibility and can invest in smaller companies and hold cash without pressure.

Beat the pros: why individual investors can win big

Few things will help you build wealth like investing wisely; that’s why starting to invest early is so important – among other reasons we outline for you. 

Three reasons why you should invest

This article explores the concept of a “moat” in investing, referring to a company’s sustainable competitive advantage. It explains why moats are important for long-term success and dives into various types of moats, including low-cost producer, network effect, high barrier to entry, switching costs, and monopoly. Examples are provided for each type (Costco, Facebook, semiconductors, Microsoft, power distributors, Apple).

Hands held in a circle on a blue background 

Investing like Buffett: Finding the “moat” around a company

There are a few things to think about when choosing stocks to invest in. Rather than making it a guessing game, here’s what you should keep in mind.

How to choose companies to invest in

You recently bought a few shares on Shyft but now you’re wondering, what next? Here’s what you need to know

Making money through investing (& NB tax stuff)

We’re here to help you make the most of your investing activities by bringing you some of the most common investment terms to know.

9 investment terms you need to know

Ready to unlock a world of investment possibilities, but running a little low on funds? We’ve got you! We’re giving one lucky user a R25 000 wallet top-up to boost their investment portfolio. 

Win R25 000 to kickstart your investment journey*

This article outlines a five-step checklist for conducting a thorough fundamental analysis of companies before investing. It covers finding new investment ideas, researching a company’s history and financials, analysing competitors, understanding ownership and management, and ultimately making an informed investment decision. 

Master smarter investing: A guide to company analysis

Win R25 000 to kickstart your investment journey today*

Shyft has just made it easy to invest in companies listed on the Frankfurt Stock Exchange, creating a great opportunity to invest in different types of companies in different sectors and geographies to diversify your investment portfolio.

Welcome to Börse Frankfurt!

In this edition of Investing chronicles, Lockstep’s Paul Farah challenges traditional views on risk in investing. He argues that share price volatility is emotional and not a true measure of risk. Instead, risk is the chance of losing money by being forced to sell at a loss. He focuses on intrinsic value, estimating a company’s future cash flow to determine true worth. By buying when the share price is lower than the intrinsic value, investors can increase their margin of safety, reducing risk.

Reduce risk and invest smarter with this nifty strategy

Being able to invest in UK companies via Shyft offers greater choice, greater diversification for your investments, and more convenience. 


You can now invest on the London Stock Exchange with Shyft

In the first edition of Investing chronicles, Lockstep CEO Paul Farah shares the importance of having a clear investment thesis – your rationale for buying a stock. He also tackles one of the most challenging aspects of investing – knowing when to sell a stock

The secret to knowing when to hold (or fold) your stocks

Women are not only entering the investment landscape in droves, but they are also actively reshaping it with their unique perspectives and approaches. This International Women’s Day, we celebrate their achievements and explore how women are leading the charge towards a more inclusive, equitable and successful future for investing.

Who runs the world (and the numbers)? Girls.

Whether or not you’re into roller coasters and shark-cage diving, when it comes to investing, you have to embrace a little risk. Here’s how to make sure you’re biting off just as much as you’re comfortable chewing.

Young man with a bicycle checking his investments on his cellphone

Why (some) risk is good for investing

The experts tell us what to consider when buying forex and investing offshore. 

5 things to remember when investing in other countries

The rand may not be the world’s strongest currency right now, but that doesn’t mean international travel is entirely off the table. Here are four destinations where the ZAR can still buy you a memorable vacay. 

4 rand-friendly destinations for South Africans to visit

Becoming an investor means being confronted with a lot of new – and often confusing – terms. We’ve got you. From bear hugs and dividends to market cap and stock splits, we’ve compiled a cheat sheet so you know what’s going on with the companies you’ve invested in. 

Cheat sheet: 16 investment terms to learn now

Your financial plan is ticking over nicely – but is it as potent as it could be? If it doesn't include forex, then probably not. That's because investing in forex could help fast-track your financial goals. Here’s how. 

How investing in forex can help you reach your goals faster

If you’re feeling that mid-year burnout, we suggest starting to plan your summer getaway now. Thanks to Shyft, it won’t be the eye-wateringly expensive exercise you think…

5 tips to help you plan for your holiday (even on a budget)

Timing is everything when buying forex. Here are key phrases to watch out for in the news so you know when the exchange rate could be in your favour.

4 factors that affect forex

Whether your son is heading abroad for a rugby tour, your daughter needs a forex top-up for her gap year, or you’re looking for a way to teach the little one to budget at the tuckshop, Shyft has a solution for your family. 

Mother working on a laptop with her child

4 ways Shyft has your family finances covered

Travelling solo is a liberating and enriching experience, but it can be a little daunting. We’ve got you. Here are 6 tips to help you feel more confident, from booking your trip and exploring safely to paying for your vacay.  

6 tips to help you plan your first solo international trip 

Does your offshore equities investment platform really measure up? Learn to recognise the red flags and find out how to spot the best app for your needs. 

Woman walking through busy city while checking her investments on the Shyft app

5 things most equities apps won’t tell you

You already know you need to diversify your investments. But what about the money you hold in foreign exchange? Here’s why – and how – to diversify your forex.

Divide and conquer: Diversification in the forex market 

Platforms, podcasts and newsletters that provide insight and entertainment in the finance space.  

14 resources to raise your investing game

Stranded in a foreign city with no access to money is pretty much the worst-case travel scenario. By following these five tips, you can ensure it never happens to you. 

5 ways to keep your money safe while travelling 

You may have heard the saying, 'diversification is the only free lunch in investing'. Free lunch is always welcome, but we're here to unpack why diversification is so important.

Lights on sand dunes to represent a cityscape 

Why new investors should diversify (and how to do it)

Whether you’re planning a trip to Europe, shopping at an online store in Asia, or converting your rands to dollars to invest in US stocks, here are five things you need to know about foreign exchange.

5 forex must-knows for the global citizen

Whether you’re saving towards a deposit for a house or investing for your retirement, setting money aside to achieve your goals requires a SMART approach. 

The Art of SMART: Essential investment tactics

Funny stories and bought-it-abroad gadgets or fashion aside, travel can enrich your life in profound ways. Here are our favourites. 

5 ways travelling makes your life better

New to offshore investments? Don't worry – it's easier than you might think (and you don’t have to be a millionaire or a Bond villain to do it). Our beginner's guide will set you up with all the important info you need to get started.

A beginner's guide to offshore investing

Discover how Shyft, the ultimate global money app, meets all your financial needs – whether you're shopping, investing, travelling or sending and receiving money. 

Woman looking at phone while travelling by train 