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Fee-first personal finance for South Africans. Compound Karel.
The retirement annuity I was sold at 21: what the 'wealth bonus' was really buying me
A fee-first post-mortem of a Sanlam Cumulus Echo retirement annuity — what I paid in, what the fees actually cost, why the advisor steered me 'safe', and the options to fix it. Math and charts included.
Welcome to NotFinancialAdvice
Why this blog exists, who is writing it, and the one number that should keep every South African investor up at night: the fee.