South African personal finance, minus the commission-speak. TFSAs, retirement annuities and insurance compared in plain numbers, with the math shown and the wit kept.https://notfinancialadvice.pages.dev/https://notfinancialadvice.pages.dev/blog/the-fee-that-ate-my-retirement/https://notfinancialadvice.pages.dev/blog/the-fee-that-ate-my-retirement/What a retirement-annuity fee actually costs in rands, why the EJK is the only number that matters, why my 'wealth bonus' was a handcuff, and the maths to check yours yourself. Tables and charts included.Tue, 06 Oct 2026 22:00:00 GMTCompound Karelhttps://notfinancialadvice.pages.dev/blog/welcome/https://notfinancialadvice.pages.dev/blog/welcome/Why this blog exists, who is writing it, and the one number that should keep every South African investor up at night: the fee.Sun, 04 Oct 2026 22:00:00 GMTCompound Karel