From a pure income perspective, a voluntary life annuity does appear to be the best option.

Fund rules limit members to a single one-third withdrawal.

It's the risk that your investment capital won't last as long as you do – and mitigating against it is an important part of the retirement planning process.

Three advisors answer this reader's question.

The most important factor is to decide what your long-term objectives are.

Two advisors answer this reader's question.

A unit trust investment may be best as it doesn't limit you on the amount of risk you'd like to take, and it's a liquid investment.

It's the only way that an investment property makes sense. Here's why …

There are certain strategies that can be implemented to pay off debt in a strategic manner.

Start by deciding on the period of your investment, then match it to the correct investment vehicle for your needs.

Discretionary funds cannot be used to purchase a living annuity, but there are other options.

You have the option of investing directly or indirectly depending on your preference and circumstances.

Two advisors answer this reader's question.

A bucket approach where income and growth assets are split into various sections may be an option.

Unfortunately it is not, but it could be wise to make the switch anyway.

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

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?

From a pure income perspective, a voluntary life annuity does appear to be the best option.

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.

A bucket approach where income and growth assets are split into various sections may be an option.