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.

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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?

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.