Find the best investment with Lantern

Not just any investment.

Most South Africans know they should be investing, but choosing the wrong product costs you money, and paying a broker to choose for you costs you even more.

Kastelo's Automated Investment Adviser, Lantern, gives you a personalised recommendation in minutes, wherever and whenever it suits you. No investment expertise or lengthy appointments required. Answer a few questions about your goals, timeline, and risk appetite and get a personalised recommendation in seconds.

Tax-Free Savings No tax on growth
Retirement Annuity Tax refund on contributions
Direct Investment No limits. No lock-in.

Investing can be confusing. Choosing the wrong product is expensive.

Too many options

Tax-free? Retirement Annuity? Direct Investment? Most people don't know the difference and can't afford to guess wrong.

Advice based on facts

Your recommendation is generated from your financial goals, timeline and risk appetite, using a consistent process that reduces personal bias.

Starting too late

The biggest financial mistake most South Africans make is waiting. Every month without a plan is compounding working against you.

Built for you

Market-leading tech that gives you personalised investment advice.

Two people reviewing a personalised investment plan on a phone

Kastelo's Automated Investment Adviser, Lantern, does what a traditional broker does, but faster, cheaper, and without any traditional adviser biases. It analyses your goals, timeline, and risk appetite completely obligation-free and gives you a personalised product recommendation in seconds. No appointments. No commissions. No waiting.

Once you're matched, open your account directly in the Kastelo app and start investing in just a few simple steps.

Lantern: the automated investment adviser

Personalised advice in three steps.

1

Tell us your goal

Saving for retirement? Building a tax-free nest egg? Want your money growing without restrictions? Answer in plain language — no financial knowledge needed.

2

Set your risk comfort

Low, medium, or high — we'll explain what each means in plain language before you answer. No wrong answers, only honest ones.

3

Get your match

The Automated Adviser recommends one of three Kastelo products and explains exactly why it fits your situation — saving you time and money.

The three investment products

Same Kastelo simplicity. Different purposes.

Tax-Free Savings
Grow your money tax-free
Best for
Short- or long-term goals, easy access to money, first-time investors.
R46,000/year · R500,000 lifetime
Learn more about Tax-Free Savings
Retirement Annuity
Tax-deductible retirement savings
Best for
Building a retirement income, maximising tax deductions, creditor protection.
Tax refund on contributions
Learn more about the Retirement Annuity
Direct Investment
Flexible investing, no lock-ins
Best for
Any goal, full flexibility, withdraw anytime, no restrictions.
Invest as much as you like
Learn more about Direct Investment
Kastelo app showing a personalised investment recommendation
Curated for you

Not sure which product is right for you? Our Automated Adviser knows.

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Skip the broker. Lantern, Kastelo's Automated Investment Adviser, gives you a personalised recommendation in seconds — based on your goals, timeline, and risk appetite. Obligation-free, fast, and completely unbiased. Then open your account in the same app and start investing straight away.

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