The Two-Pot
Retirement SystemA useful resource for employers, HR practioners and
intermediaries to understand the new system and their role.

The way South Africans save for retirement has changed

The Two-Pot Retirement System came into effect on 1 September 2024 where retirement fund contributions are split into a Savings Pot and Retirement Pot (with the existing savings up until 31 August 2024 being kept in a Vested Pot and to which the old retirement fund rules apply) . This new system allows members to access some of the retirement savings (via the Savings Pot) in times of financial emergencies while the majority (Retirement Pot) is preserved and only accessible upon retirement.

If you’re an employer with a group retirement fund for your staff, a broker or a member of a retirement fund, these articles, videos and flashcards will help to explain what to expect from the retirement industry’s soon-to-be new normal.
Catch-Up on the latest Two-Pot WebinarsThe three biggest advice risks for intermediaries

Intermediaries will play a critical role in guiding clients through the Two-Pot Retirement System. These are the areas of advice to be aware, and wary, of.

How to calculate your Two-Pot tax

With our WhatsApp calculator, you can see if you qualify for a Savings Pot withdrawal, calculate the tax you’ll pay, and more.

A woman smiling to convey she understands something better now.What will the role of intermediaries be?

This downloadable presentation pack has all the important information on the Two-Pot system that intermediaries need to know and share with clients.

An image of Blessing Utete and Michelle Acton who will discuss the Two-Pot Retirement SystemA guide for employers, HR practitioners and intermediaries

This guide highlights the most important elements that you should be aware of, and how you and your business need to prepare, especially if you’re a decision-maker in the corporate space.

What to expect from the new system

More information on the regulatory changes, what to expect and how it will work, with videos, infographics, practical examples and more.

Find out more

Watch these videos for some insights on the Two-Pot system and early access to retirement funds.

From the archive

Take a look back at our content published when the new regulations were first proposed.