Dinamika

What Dinamika does

Dinamika Financial Services (Pty) Ltd is a South African licensed Financial Services Provider (FSP license 46494) operating a one-stop financial advisory and intermediary business. The firm serves primarily Afrikaans-speaking individual clients across two provinces, with its headquarters in Benoni (Gauteng) and additional offices in Cape Town and Stellenbosch (Western Cape). Its product set spans managed investments (Dinamika BCI Conservative Fund of Funds and Dinamika BCI Worldwide Flexible Fund, with R10,000 lump sum or R500 monthly minimums), life insurance, retirement planning, short-term insurance (via referral to Tempo), investment planning, estate planning, estate administration, and a Will preparation service priced at R950 for new clients.

The company monetizes through advisory fees, intermediary commissions from FSB/FSCA-approved product providers (Sanlam via Glacier, BCI, ABSA Investment Management Services, Momentum, Investec, Hollard, Franklin Templeton, FMI), executor fees, and will preparation fees. A wholly-owned subsidiary, Dinamika Fund Managers (Pty) Ltd, operates the in-house managed investment offerings. Distribution is sales-led and relationship-driven, delivered through a tiered network of senior financial advisors, financial advisors, and a supervised junior advisor. Marketing channels span Afrikaans-language earned media (Maroela Media, kykNET's Ontbytsakes, Pretoria FM, VIA), an active Facebook presence, a published educational workbook by Chairman Willem Smit, and a WhatsApp contact channel.

The firm follows a conservative, risk-averse investment philosophy, only distributing products from FSB/FSCA-approved providers and not investing client funds in its own balance sheet. Client tenure exceeds 25 years for some relationships, indicating high retention within a stable, mature, and geographically bounded retail advisory book.

Name

Dinamika

Legal name

Dinamika Financial Services (Pty) Ltd

Website

https://dinamika.co.za

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Dinamika Financial Services is a South African FSP-licensed advisory and intermediary firm offering managed investments, life insurance, retirement, estate, and Will services primarily to Afrikaans-speaking individual clients across Gauteng and the Western Cape.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Trusts, Estates, and Agency Accounts (52592)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Portfolio Management–Led RIAs (Discretionary/Model-Based) (FSAAACAC), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Financial advisory services
• Retirement planning
• Estate administration
• Investment management
• Life insurance products

Headquarters

HQ city

Benoni

HQ country

South Africa

HQ region

Africa

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Services: Revenue is generated through advisory fees and intermediary commissions from various Financial Services Board (FSB) approved and registered Product Providers. The company also earns executor fees for estate administration and fees for will preparation services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Dinamika Financial Services (Pty) Ltd is an FSB/FSCA-approved Financial Services Provider (FSP license 46494) that delivers face-to-face financial advisory and intermediary services to individual South African clients. Its offering is a one-stop financial service covering managed investments (via Dinamika BCI Conservative Funds of Funds and Dinamika BCI Worldwide Flexible Fund), life insurance, retirement planning, short-term insurance (via referral), estate planning, estate administration (executorships), and will preparation, distributed through an in-house advisor network and approved partner product providers.

Product overview

Dinamika Financial Services is a single, integrated financial services offering centered on comprehensive financial advisory and intermediary services. The core product is a one-stop financial service that encompasses managed investments through Dinamika BCI funds (Conservative and Worldwide Flexible), life insurance, retirement planning, estate planning, and estate administration. They also provide a Will preparation service (R950 for new clients, free for existing) and a Client Zone online portal. The company works with approved partner platforms including Glacier from Sanlam, ABSA Investment Management Services, Momentum, and Investec for investment execution, and refers short-term insurance to Tempo. Their investment approach is conservative, distributing across multiple fund types including income funds, money-market funds, unit trusts, and foreign investments.

Differentiator

Problem solved

Functional benefit

Products and services

• Investments Managed investment products offered via approved partner companies, including distribution of Dinamika BCI Conservative Funds of Funds and Dinamika BCI Worldwide Flexible Fund, with client funds held by regulated providers rather than invested in Dinamika itself.
• Life Insurance Separate life cover products identified to match individual client needs, with the savings element structured through interest-bearing instruments, sourced from Dinamika's FSB-approved product providers.
• Retirement Planning Retirement planning service that includes structuring and restructuring of retirement annuities to allow clients aged 55+ greater access to capital (up to one-third) at maturity, alongside broader retirement income and annuity planning.
• Short Term Insurance Short-term insurance cover sourced and referred through specialist partner Tempo, complementing Dinamika's life insurance and investment offerings.
• Investment Planning Multi-asset investment planning service that recommends combinations of income funds, money-market funds, interest-bearing foreign investments, foreign investments, life annuities, unit trusts, and collective investments to diversify client portfolios.
• Estate Planning Estate planning service integrated with Dinamika's investment planning to provide comprehensive wealth management, including structuring of assets for transfer at death.
• Estate Administration Estate administration service using a unique cash-flow statement system for clients' life expectancy and a proprietary reversionary system, providing executor services at a 0.5% discount (plus an additional 0.5% discount for Dinamika Fund Managers shareholders).
• Will Application Will preparation service for new and existing Dinamika clients, with single will and joint will options, priced at R950 for new customers and free for existing customers.
• Dinamika BCI Conservative Funds of Funds Conservative investment fund managed by Dinamika via BCI, suited to risk-averse investors, with a minimum lump sum of R10,000 or monthly contribution of R500.
• Dinamika BCI Worldwide Flexible Fund Aggressive worldwide flexible investment fund managed by Dinamika via BCI, with a minimum lump sum of R10,000 or monthly contribution of R500.
• Client Zone Online client portal where clients sign in to access their portfolios, documentation, and Dinamika services.

Quantifiable outcome

• Executor fees discounted by 0.5% for all clients, with additional 0.5% discount for Dinamika Fund Managers shareholders
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Sanlam and Sanlam Personal PortfolioscoreTechnology or IntegrationProduct provider partnership for investment products and platform services through Glacier from Sanlam. Dinamika distributes Sanlam investment products and uses the Glacier platform for client investments.
• Boutique Collective Investments (BCI)coreTechnology or IntegrationBCI manages the Dinamika BCI Conservative Funds of Funds and Dinamika BCI Worldwide Flexible Fund. This is a core partnership for Dinamika's managed investment offerings.
• TempominorChannel Partner/ Reseller/ DistributorSpecialized short-term insurance partner. Dinamika refers clients to Tempo for short-term insurance services.

Scale indicators3 records

Expansion highlights5 records

Broad incumbents

• Liberty (Standard Bank Group): South African long-term insurance and investment provider with advisor-driven wealth offerings, overlapping with Dinamika's life insurance and retirement planning focus.
• Hollard: South African insurance and investment group serving individuals via financial advisors; comparable short-term and life insurance distribution relationship to Dinamika's Hollard partnership.
• Sanlam: Pan-African financial services group; both a core product platform for Dinamika (via Glacier) and a direct competitor through its Sanlam Personal Portfolios advice-led wealth franchise.
• Momentum Metropolitan Holdings: Large South African financial services group providing advice-led wealth management, investments, and insurance products; overlaps with Dinamika as both a product provider and an advice competitor.
• Discovery Wealth: South African financial services group with advisor-led wealth, retirement, and insurance products serving middle-income individuals — directly comparable client segment and product mix.
• Old Mutual Wealth: Established South African wealth and investment manager offering advisory and portfolio management services to individuals, comparable in customer segment and service mix.

Direct peers

• PSG Wealth: South African wealth and financial advisory group offering personalized financial planning, investments, and retirement solutions to individuals — directly comparable mid-market RIA-style offering to Dinamika.
• Alexander Forbes: South African advisory-led wealth and retirement specialist serving individuals and institutions, similar in providing integrated investment and retirement advice through personal advisors.

Regional players

• Investec Wealth & Investment: South African private wealth arm of Investec offering discretionary and advisory portfolio management to individuals; comparable as a high-touch advisor-led wealth manager serving similar South African client profiles.

Emerging players

• Boutique Collective Investments (BCI): Manages the Dinamika BCI Conservative Fund of Funds and Worldwide Flexible Fund; comparable as a South African fund/portfolio management platform for advisor-distributed retail investment products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/dinamikamakelaars
• LinkedInlinkedin.com/company/dinamikamakelaars

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dinamika