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About the Two Pot System

What is the Two Pot Retirement System?

Starting in 2024, South Africa’s retirement funds will be split into two "pots":

1. Savings Pot – A portion you can access before retirement (limited withdrawals allowed).
2. Retirement Pot – The remaining amount, preserved until retirement.

Key Benefits:

1. Emergency access – Withdraw from your Savings Pot in financial emergencies.
2. Tax efficiency – Lower tax on early withdrawals compared to full retirement fund access.
3. Future security – The majority of your savings stay invested for retirement.

Learn how much you can withdraw today while safeguarding your future!