Hope you don't mind a quick critique, this went out as a tip on a newsletter last year. You have some purchases which were for +- R10000 worth, which means you overpaid by about R80 each. Not a huge difference, but over time if could add up. That's the reason you're 0.5% down rather than 0.4%:
Monthly tip:
As trading accounts generally have a minimum fee, in this case R120 (the same as one of the larger on-line traders), buying anything under R30 000's worth of shares will mean your fees will be higher than normal. To show you how that affects you, imagine buying just 10 shares of Netcare at R19.80 each. Your purchase cost would be
10 x R19.80 per share = R198
+ R120 fee = R318
Divided by 10 shares = R31.80 per share.
So in this case you would have overpaid by 60.6% for this share, compared to the usual 0.4% when dealing with R30 000 or more. This means that even if this share gains 60% (highly unlikely in a short period of time) you'll barely break even. This may have been an extreme example, but it does show how important minimising your fees are in an investment strategy.
