Hi again

Thanks for your replies.
My research so far has left me still unsure as my account still seems to be the best up to now and that is a flexi fixed deposit account
which gives me 5.60%, I can make 2 withdrawals a month, add to it as much or whenever i need too. it is renewed every 3months and
or you can cancel it, no broker fees.

Capitec are reluctant to give me details regarding:- A 60month investment giving me 9.27% (i think) interest paid to a default account I must open (with charges) If i have to draw from my investment say after 2 years they will charge me to unlock it but they are reluctant to tell me what the charges would be ....still waiting for their phone call. You can only do transfers via internet or at the bank, (no ATMs)

I left the money market as my option paid higher dividends, Unit trusts are really not my cup of tea,

My broker is pushing me to go with him for obvious reasons but I think I will stay where I am for now.

Thanks everyone and should there be an improvement or I find a better deal I will let you know

Regards
Rozzer