Dr Kamunge a medical doctor has just retired from public service is about to receive a pension of sh. 20 million. He is unsure about how to invest the money received. He has approached you for advice and indicated that he is open to alternatives including international options. He has revealed that all his children are now employed and he does not have any medical challenges.

Provide a well itemized write up to advice on the options available to him, the key consideration and the investment process