I've lost almost all good faith in those smooth talking, two faced liars called financial advisors or investment brokers. And this only my first year investing.
It's no coincidence that an "independent" advisor who just happens to work for a subsidiary of Sanlam by a different name advised me...
In any case it would be crazy to change from AG to Discovery given their past performance. The bonuses are just gimics to make you feel like it's actually a benefit when it's just them giving you back part of the exorbitant fees they sucked out.
Important point. The bells and whistles are meant to distract you from the punishing fees. Essentially they're just giving you back the money they schemed you out of but without adding anything for inflation, which is a ton over four decades. Anyone who believes this crap is unknowingly bending o