The two-pot system
South Africa’s two-pot retirement system changed the rules of retirement saving when it launched in September 2024. Mase Ramalosa and Willie Jonker explain how it works: from understanding your savings pot, retirement pot and vested pot to the tax implications of withdrawals, what happens when you change jobs and why preserving your retirement savings is such an important financial decision.
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.
