$1.$ On the $1$st of February Eliswa calls you and explains that she has R$36000$ saved up in a bank account. She wants to invest it in a manner that will not attract any taxes. In addition, she also wants to save R$3000$ pm for as long as she can afford it$,$ also without attracting any form of taxation. This investment must enjoy maximum possible growth and she does not want to have to take active investment decisions about it all of the time $$ in fact she just wants to sign the papers and then forget about it$.$