my opinion on this deal is max you going to get without messing with capital is like 7 to 8% inclusive of dividends so take what you need a year and add inflation factor on top of that then gross it up after tax ,now go back see how much you short and then work out how much capital you are going to chow annually ,to work out how many years you got to go if you are a male then go 3 scores and ten and add 8 years for safety if your BMI is below 30 and you do not smoke or drink to much if you are a lady add 15 years basically what I am saying the earlier we learn how to profit on speculating the ups and downs the longer we are going to have a good life cause basically its impossible to make it unless you own like 5% of aspen ( just your medical aid , DSTV ,and rates and taxes are going to wipe you out, imagine you an old duck in Knysna for 20 years living in a old house paying 300 bucks rates now your property valued at 2 million and rates are 3000 bucks now you must move to the caravan park )