jo soap -> sorry, i was quite busy in the week and didnt have much time to read some posts on the forum, i missed your question. I invest offshore (USA), I have some shares in JPMorgan, Citigroup and a few others, but this isnt designed for income generating but rather was started when i saw some good opportunities in the US banking sector last year after the biggest falls were over. I have an account at TD Ameritrade that is really nice online platform where one can buy CD's, Bonds, Equities, etc. and really would recommend them to anyone, but if you are looking for income investments and a very solid portfolio one would have to select certain shares oneself - there is some regulatory issues one needs to overcome before getting the cash into such an account, this is basically at SARS. Offshore unit trusts would be easier and simpler to arrange and if one doesnt know the international market a managed fund like this could be a safer bet, so this depends on how much time one is wiling to spend on the portfolio management side of things. There are really awesome companies in USA that provide solid dividend incomes such as AT&T, Consolidated Edison (electricity distributor) and some others which if one builds a income portfolio could result in some good solid/stable income - but remember these would be taxed in SA.