Now while I'm not a licensed financial advisor, so I'm not allowed to tell you what to do, I can tell you what I do. I think unit trusts are too expensive, I wrote a blog about it actually. Instead I have an account with easy equities, and I use that to buy the satrix indi. It's done very very well over it's lifetime, and I expect it to keep doing better than the general South African market. Perhaps start a post in the shares forum and people will offer more advice.