Fixed-Rate vs Variable-Rate Plans
Fixed plans offer predictable bills that shield you from market spikes. Variable plans may dip lower during certain periods, but they can also jump unexpectedly. Compare your risk tolerance and cash‑flow needs before choosing either path.
Fixed-Rate vs Variable-Rate Plans
Many subscriptions increase the rate annually by a small percentage. That escalator compounds over time, quietly raising your all‑in price. Request a no‑escalator option or a capped escalator and model the impact over ten years.