Janette accepts a job at an international school in China.

She’s thrilled by the school’s retirement package. They match what she invests, up to an amount equaling 10 percent of her annual salary. In other words, if she were paid $50,000 per year and invested $5000, the school would pitch in an additional $5000.

That’s a 100 percent annual gain.

Most international schools don’t offer savings incentives for faculty. Among those that do, few are generous enough to match contributions up to 10 percent of a teacher’s salary. But for Janette to earn the bonus, she has to use the financial firm selected by the school.

There lies the problem.

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