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document.write("<h5>Simple Answer</h5>");
document.write("If you considering continuing with the RA, don't drop payments. I looked into it and found that on an RA over 5 years old, I lost 10% of the current value just by reducing the payments, and even more if I stopped it totally, then was told sorry, it's an 'old style' RA. As far as I'm concerned they are a rip off! Not worth the tax benefits, I'm seriously considering Canceling all RA's, and buying monthly shares through some of the low cost option available nowadays. You pay tax when you collect anyway (except for the 1/3'rd initial amount. The extra tax you pay is more then covered by the savings on rip off brokers and thieving companies. At least then then I can stop or buy as I want, without being charged RIDICULOUS penalties! . L_M");
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