Không phải niên kim (annuity) nào cũng tốt...

Bruce Cameron’s masterclass delivered a powerful reality check on retirement planning. He highlighted the importance of keeping a conservative pension drawdown rate of under 5% from a living annuity to ensure your income lasts for life. It is a simple guideline with lifelong impact. If you draw too much now, you risk running out later. He also shared a sobering statistic. Only 6 percent of South Africans retire well off. The rest face financial strain, not because they did not work hard, but bec