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Comparing Retirement Options

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There are different ways to save for retirement in my country: pension funds, provident funds, and Botswana Life’s annuity plans. For someone starting work now, which would you recommend and why? How do you balance risk, growth, and security?
 
I have a job and our employer auto deduct the salaries of the employees for retirement. Since future pension might be not enough, so I am also investing. I chose a long - term plan. Apart from that, I also have a passive income from the rent of my property.
 
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