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Contractual RAs cost you more than flexible alternatives

Contractual RAs cost you more than flexible alternatives
WORDS ON WEALTH:
Apart from the obligations that contractual retirement annuities (RAs) impose on you to keep contributing for the full term of the contract, there is a further downside to these products: their costs. Personal Finance found that the costs on a contractual product may be about 2% more a year than on a flexible unit-trust RA.
Last week, Personal Finance covered the case of Mr C, who, at the age of 61 had been sold a Discovery Invest RA that committed him to a 10-year investment term with a 10%-a-year escalation on his R10 000 monthly contribution. Charles McAllister, a Certified Financial Planner and executive director of Centric Wealth Advisory in Cape Town, took up his case (see “A case against contractual retirement annuities”). ....

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'Unsolvable': Forensic sleuth says he's identified a long-dead WWI doughboy, but whose job is it to bring him home? - U.S.

By WYATT OLSON | STARS AND STRIPES Published: December 10, 2020
When Beverly Dillon’s home phone rang on a late summer evening in 2019, she ignored it. She didn’t recognize the number and assumed it was a pesky marketing call to her home in a small Montana town near Glacier National Park.
But as the caller began leaving a message on her old-fashioned answering machine mentioning the surnames Vincent and McAllister Dillon raced to pick up the phone.
“Yes! I was a Vincent before I was a Dillon, and my grandmother s maiden name was McAllister,” the self-described “genealogy nut” recalled saying. “I nearly jumped out of my skin I was so excited.” ....

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