Cryptocurrencies still excluded from the investment mix.

Markets may be slightly overreacting.

You need to consider the interest rate environment compared with the return you can expect from your investment portfolio.

Imagine going to a doctor who charges a fee according to your net worth: DoshGuide founder Rory Brachner explains the investment analogy.

Because of the tax benefits you get from government in return for saving for your own retirement – but you will have the option of taking up to a third out in cash at age 55.

It depends on your age – you may only make one withdrawal from your preservation fund prior to the age of 55.

Gerhard Kotzé – Managing Director, RealNet

And will it be treated as a withdrawal benefit or a retirement benefit?

The only time you can access these funds before reaching age 55 is in the case of ill-health or financial emigration.

If so, how much? We were married in community of property.

Two advisors answer this reader's question.

A look at what needs to happen to change this.

Many hope the finance minister will announce the next moves to unlock pension funds in his budget speech.

Easing into retirement and looking closely at expenses can reduce financial worries.