The two-pot system
How the two-pot system affects retirement funds
Explained by our expert
About me
Isabella holds a BCom Honours in Actuarial Science from the University of Cape Town and works at the intersection of investments, quantitative analysis and product development at Sygnia Asset Management. She began her career as a Junior Quantitative Analyst at Sygnia in February 2024 before being appointed Investment Product Specialist in January 2025. Her actuarial background gives her a strong analytical foundation, which she applies to developing investment solutions and helping make complex investment concepts easier for members to understand.
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Video Transcript
Under the two-pot retirement system introduced in September 2024, your retirement savings are divided into different pots with different rules. A portion goes into your savings pot, which can be accessed before retirement, subject to the withdrawal rules. The rest goes into your retirement pot, which must remain invested until you retire. The aim is to provide some flexibility today while helping you preserve your savings for the future.
