RetireJapan

Thanks all. My wife thinks we should just keep the fund and continue to pay the fees for 5 more years so we can at least keep our fund tax free. That’s our FA’s argument that the whole point of using ITA was to keep it tax free so when we take the money out in years time we will not have to be payin...

So we’ve looked at all the fees and considered about surrender charges etc. we are leaning towards keeping our money in there until for another 5 years until we no longer have to pay the surrender charges. My FP’s argument was that when we initially signed up for the fund, it was set to be conservat...

Thanks guys. We tried to keep the minimum amount to reduce the admin charge but they basically said even if we withdarew the most of the amount and only left the minimum amount in the account, the admin charge will still be based on the original premium for the next 5 years which is a shocker. Is th...

Hi all, I’ve read some of these comments here with horror as we’ve indeed signed up with one of the said advisors on the similar plan. We’ve had a pretty conservative plan and had it for 3 years without much return which I now see why. We have a pretty big chunk of our money in it and my question is...