Are you aware of the role of the financial services Ombuds, such as the FAIS Ombud, the Ombudsman for Short-term Insurance and the Ombudsman for Long Term (Life) Insurance?
These are funds that invest in bonds, fixed deposits and other high income earning securities. In order to provide relative capital stability, the average maturity of the underlying assets is limited to a maximum of two years. These funds are less volatile and aim for a regular and high level of income.