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Two-pot retirement system

As of 1 September 2024, retirement fund members can withdraw a portion of their retirement funds.

Get to know the new system

This system can be very helpful in time of need, but members need to consider the long-term financial impact of withdrawing from their retirement savings. From 1 September 2024, the South African retirement system will consist of 3 pots. For more information on the pots, read below:

  • Read more

Vested pot

Refers to the value of your retirement fund plus growth, before the implementation of the two-pot system.

Savings pot

This is one third of all contributions plus growth. Members can access this before retirement.

Retirement pot

The remaining two thirds, plus growth, will be used to fund the member's income in retirement through an annuity.

What to keep in mind

The two-pot system allows for more flexibility in accessing funds from the savings pot, but saving for the future is crucial.

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).