Who inherits your savings

Beneficiary laws explained

Your retirement fund isn’t bound by your will when you die – it follows the Pension Funds Act, so the fund’s trustees decide who gets your money. In this series of videos, Mase Ramalosa explains how beneficiary nominations work, why keeping them up to date matters and how taking a few minutes to complete a form could save your family months of financial struggle at a difficult time.

Explained by our expert

About me

Mase has over a decade of experience in employee benefits and retirement fund consulting, having worked with leading financial services firms including Alexander Forbes, Investec Asset Management, NMG Benefits and 27four Investment Managers before joining Sygnia. She has worked closely with both employers and fund members, helping them navigate retirement planning, benefit structures and fund management. Her expertise spans member presentations, annual benefit reviews and retirement fund strategy — translating complex retirement concepts into practical, accessible guidance.

Watch next

0:22

Simple steps

0:24

Keep these current

0:21

Managing multiple funds

0:19

Divorce settlements

0:20

Two-pot withdrawals

0:14

Fraud protection