A typical investment plan’s building blocks are a complex variety of unit trusts, bonds and money market instruments, sometimes too complex for the layman to understand and often very costly. We believe in keeping things simple and easy to understand, hence we recommend unit trust based investments, dealing direct with the Unit Trust and Exchange Traded fund managers, hence cutting out additional layers of costs and fees to the investor. Typical investments can be Retirement Annuities, which allows for seriously good tax breaks, Unit Trusts and Endowment plans which can be done on a monthly or once off basis. We can recommend a variety of quality unit trust funds for these investments and the investor has live access to his investments. These investments along with Annuities can provide for an income by selling units monthly in exchange for the income, whilst still having the investment exposed to various asset classes in different parts of the world if so desired. Unit trusts can be found in many forms, 100% local or offshore shares, lower % of shares and % of cash and money market instruments, listed property, local and offshore, hedged and rand hedged shares. There is a fund for every type of investor.