@heikoinvests: Most South Africans have a retirement annuity but can’t tell you what it’s actually invested in or what they’re paying in fees. 😳 Here’s how to check in 5 minutes: 1️⃣ Ask your financial adviser directly, OR 2️⃣ Log in to your RA provider’s profile 3️⃣ Go to your portfolio and find your fund names 4️⃣ Google the fund name + “fact sheet” and open the PDF 5️⃣ Look at 3 things: the Total Effective Annual Cost (fees), the fund size, and what it’s invested in + average historical returns Once you see the fees and where your money actually sits, you’ll never look at your retirement the same way again. 💡 Disclaimer: Educational content only. Not financial advice.