Money with Carla Money with Carla

RAs Are NOT For Everyone

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Does a retirement annuity’s tax saving automatically make it the best investment? Carla compares RAs with investing directly in global equity ETFs, exploring tax, investment restrictions, fees and how your time to retirement changes the picture.

Using Laura and Nora’s investment scenarios, she explains the trade-offs, flags expensive life insurance RAs, and shares questions to ask before committing.
Chapters
  • 00:00 Why I’m revisiting retirement annuities
  • 00:59 How retirement annuities work
  • 02:15 RA vs ETF: comparing tax and growth
  • 06:36 Tax when you withdraw
  • 09:25 When an RA could make sense
  • 11:58 Fees and choosing an RA provider
  • 14:00 Key takeaways
  • 15:10 Free checklist and next steps
4 Oct English South Africa Investing

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