A well-diversified portfolio consisting of cash and bonds for income, and property and equities for growth would be an option.

There isn’t an easy answer to your question, but there is a way that could decrease your risk.

Most exchanges require the investor to be over the age of 18, but a parent or guardian can invest in a crypto basket on behalf of minor children if they submit some extra documentation.

Should one consider high dividend-yielding ETFs like the Satrix Divi?

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 would be advisable to invest in equities as well as local income and balanced funds.

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This decision should be led by your view of China’s potential growth.

Where the deceased has nominated a beneficiary on their policy, the proceeds of that policy will be paid out directly to that person.

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

I've met with three, with unsatisfactory outcomes.

I would like to consolidate and invest while reducing fees.

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.

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And where is an appropriate place to store these funds?

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You would need to be able to prove they had breached their fiduciary duties.

It depends on your overall current financial position.

And will the balance fall away when I pass on?

You can borrow funds to buy a property, renovate a property, pay off a housing loan, or to guarantee a housing loan. You cannot use the funds for any other purpose.

After 10 years, the initial amount should still be available.

Personal ownership, a trust, or company: there are certain advantages and disadvantages in how you structure your portfolio.

Of three options on what to do with your RA funds, a life annuity would give you the highest probability of income certainty – but not at the required level.

It depends on your overall current financial position.

In the current environment, the best match with your requirements would be either a ‘variable income’ or a ‘multi-asset income’ unit trust fund.

The scheduled tax legislation change relates specifically to provident preservation funds.

Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.

A major concern when considering an annuity income relates to the growth rate assumptions.

The question of paying off debt or contributing to retirement savings is something many South Africans wonder about.

My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?

If so, are there any tax consequences to consider?

Several things need to be considered; staying focused on your long-term objective – retirement – is important.

I will have R7.2 million in a pension fund when I retire in April 2019.

Settling your other debt could free additional cash flow, which can then go towards your home loan.

Asset allocation will play a big role in your investment/retirement outcome.

I cannot take a lot of risk, as this is all the money I have.

And what other platforms encourage investors to invest in a cheaper way?

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