Hi Asylum - Find out what unit trusts,asset classes, instruments make up your RA at present.Then research their performance, costs etc against other unit trusts etc. Equinox.co.za is a valuable source of info re unit trusts.If you need the help of a Financial Adviser get him/her to charge you on a per hour basis NOT on a % commission.Alan Gray and Coronation will deal with investors directly. Some of the larger finance houses will not.Check out costs all the way.Half percent pa for 30 years is a large chunk of your RA!!