Best RA

[SauRoNZA]

It's still significant https://www.mymoneytree.co.za/calculator/ra/

.

And yet it’s completely irrelevant if there isn’t performance to back it up.

Using it as the single measure to decide which is the “best” is very very silly and loss making.

Your logic is basically saving 0.5% and then making 5% less overall.

Does not compute.

 

[paul5186]

Alan Gray - 9.41% since inception
Coronation - 9.1% since inception
Sygnia - 19.94% since inception

 

[SauRoNZA]

Alan Gray - 9.41% since inception
Coronation - 9.1% since inception
Sygnia - 19.94% since inception

Those are companies, not RA’s.

Without some point of reference your post means nothing.

The much touted cheap cheap Skeleton 70 from Sygnia has only done 8.8% pa since inception.

 

[Pegging]

But international exposure is also increased from 30 to 35%.

It's 45%

 

[paul5186]

Those are companies, not RA’s.

Without some point of reference your post means nothing.

The much touted cheap cheap Skeleton 70 from Sygnia has only done 8.8% pa since inception.

I didn't break down the individual funds, but they are RA policies.

 

[SauRoNZA]

I didn't break down the individual funds, but they are RA policies.

So that’s the combination of all policies then?

Which means differing costs for each, which changes the entire equation.

 

[backstreetboy]

It's 45%

Only if you invest in Africa. No thanks.

 

[supersunbird]

It's 45%

Yeah, I saw that yesterday, I thought the Africa component was still 10%, great news that it's 45% now.

 

[supersunbird]

Only if you invest in Africa. No thanks.

No, apparently 45% wherever. I'll be doing my calcs this weekend an maximizing my Coro RAs international exposure.

 

[zerocool2009]

Looking at my preserved fund... its still capped at 30%! They must update the rules asap

 

[zerocool2009]

Chatting with AllanGray related to the newest change, it EXCLUDES RA's totally !

 

[supersunbird]

Chatting with AllanGray related to the newest change, it EXCLUDES RA's totally !

Well, Coro said they changed theirs. I haven't instituted a switch instruction yet to test if theory meets practice.

 

[zerocool2009]

The funny thing is, when I switch funds (I can get up to 45% exposure oversea) with the RA

 

[Muks]

You're doing creative accounting... the TER already includes the management fee. So it's:
Management Fee : 0.35%
+ Other Cost : 0.02%
+ VAT : 0.05%
= TER : 0.42%
+ TC : 0.1%

Total : 0.52% (TIC)

Mine is at 0.59% because I signed up via the Roboadvisor but it's still well below everyone else and a no brainer.

+1...
Snippet from my investment report for 30-Sept to 31-Dec 2021:

 

[L-Dog]

I need to dig deeper into myne but I think my advisor takes 0.6 and the PPS takes like 0.9% or something

 

[Sideshow Bob]

Those are companies, not RA’s.

Without some point of reference your post means nothing.

The much touted cheap cheap Skeleton 70 from Sygnia has only done 8.8% pa since inception.

Yeah, Sygnia hasn't done well at all compared to other competitor companies. Even in non-RA products, they sucked big time since last year but again, let us see what happens within next 2 years.

 

[Sideshow Bob]

That's not your only cost.

You have a Management Fee and some others on top of that as well.

But I did **** up and add Total Investment Charge to the TER & TC while it's already the combination of both.

So it should be....

Management Fee : 0.35%
Other Cost : 0.02%
VAT : 0.05%
TER : 0.42%
TC : 0.1%

Total : 0.94%.

Sygnia site has EAC for skeleton as 0.62%

https://www.sygnia.co.za/press/which-ra-is-most-cost-effective

 

[koeidels]

Okay, I need some advise from you guys.

Not too long ago I was young and stupid and said yes to the first f*cker financial advisor that approached our graduate class. So below is a breakdown of the %'s of my contributions going to his sidepiece's holiday-in-Mauritius fund. Needless to say I've gotten the process started on a Section 14 transfer (should've done so way earlier I know), but I still don't under stand the last bit how could the EAC on the Advice fees go down if its related to the total fund fee? :

 

[zerocool2009]

Okay, I need some advise from you guys.

Not too long ago I was young and stupid and said yes to the first f*cker financial advisor that approached our graduate class. So below is a breakdown of the %'s of my contributions going to his sidepiece's holiday-in-Mauritius fund. Needless to say I've gotten the process started on a Section 14 transfer (should've done so way earlier I know), but I still don't under stand the last bit how could the EAC on the Advice fees go down if its related to the total fund fee? :

View attachment 1453609
View attachment 1453611

Congrats on moving!

 

[zerocool2009]

My company now got a broker involved. 8% EAC! I almost choked!