if you had R400 000 from a previous propery would you

invest the whole amount into your new property to keep the repayment low or invest the the whole amount in a investment and use the monthly interest
to pay some of your new bond...or just invest the whole amount in a long term equity for 15 to 20 years. alternatively

buy a small bachlor flat cash and use the monthly income to put into your new bond or sell it later for a profit or buy a small business.

any suggestions ?