35 years of good fees vs 35 years of bad fees

Most South Africans believe they are “on track” for retirement simply because they contribute to a pension, provident fund, or retirement annuity every month. It feels responsible. It feels automatic. It feels sorted. But for many people, that feeling is an illusion . Because contributing money is not the same  as knowing: Where your money is invested How much it is costing you Whether it is actually growing If it aligns with your goals Or if it will be enough when you need i

Most people assume that if they’ve been “saving for retirement,” they’re on track for a secure future. But what if the product you’re investing in is quietly draining your returns? What if 20, 30, or even 40% of your total retirement value is lost  — not because of poor market performance, but because of fees ? This isn’t a theoretical risk. It’s happening every day in South Africa. And the worst part? Most investors have no idea it’s happening to them. The Truth the Industry