• If you are single, how do you best save, protect your assets, protect your income against retrenchment, disability, etc, and secure your own retirement funding?

• What happens to your assets, your children and those you are supporting if you die, particularly if you were married and your husband remarries?

• What happens if your marriage ends in divorce?

• What happens if your partner dies?

• What happens if both you and your partner die simultaneously?

• What happens to your assets if your partner becomes disabled, loses a job, is sequestrated or his business fails?

"A trust is often used to protect assets in all the scenarios mentioned above," notes Deyzel. "If a trust has been set up properly, you will never have to worry about any of your loved ones, including yourself, being left destitute by divorce, death, retrenchment or a business failing, whether yours or your partner?s.

"In terms of retirement planning, it is never too late to start. It may be too late or financially impossible to make big enough contributions to a traditional pension or provident fund to secure a comfortable retirement. However, there is a more effective alternative: property investment, which if structured correctly, is a far more effective way to provide for retirement. No matter how late you start or how little you have to invest, with property investment, you can secure a reliable, monthly income for your retirement that will keep pace with inflation and continue to provide for you, your children and those you support, all through your life and long after your passing. If you are a woman, take action today ? don?t be another statistic!"