Homepage - Sygnia SURF

Your step-by-step guide to a confident retirement.

Lettie Seloana

Client Servicing Consultant

Retirement, made easy.

0:25

The two-pot system

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What changed

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The pots explained

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Rules for withdrawal

0:20

How it works for you

0:25

The two-pot system

0:19

What changed

0:21

The pots explained

0:23

Rules for withdrawal

0:20

How it works for you

Savings pot

0:18

Savings pot explained

0:21

Initial seeding

0:22

Savings pot withdrawals

0:24

Withdrawal costs

0:23

Leaving the fund

0:23

Think carefully

Retirement pot

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Retirement pot explained

0:24

Retirement pot rules

0:26

Why it stays locked

Vested pot

0:22

Vested pot explained

0:27

Vested pot rules

0:27

Vested pot withdrawals

Common mistakes

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Don’t raid your savings pot

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Don’t resign for access

0:28

Withdrawals and tax

0:20

Accessible ≠ spend it

0:25

Don’t cash out at exit

0:18

Preserve when you leave

0:32

Withdrawal rules

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Minimum withdrawal

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Withdrawal timing

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Maximise tax deductions

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Plan for your annuity

0:32

Savings pot withdrawals

0:30

How seeding worked

0:30

Changing jobs

0:26

When you can’t withdraw

0:24

Tax on withdrawals

0:27

Vested pot explained

0:34

Withdrawal frequency

0:20

Retirement pot rules

0:17

Near retirement

0:21

Employer contributions

0:26

Managing multiple funds

0:22

Replacement ratio

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75% rule

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Higher needs

0:24

Lower needs

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Calculate your target

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Replacement ratio

0:27

75% rule

0:21

Higher needs

0:24

Lower needs

0:19

Calculate your target

0:25

Ratio shortcomings

0:26

Flexible planning

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Approved risk benefits

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Tax advantages

0:23

Unapproved risk benefits

0:22

Tax disadvantages for employers

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Tax disadvantages for employees

Approved vs Unapproved Risk Benefits

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Approved risk benefits

0:01

Tax advantages

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Unapproved risk benefits

0:22

Tax disadvantages for employers

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Tax disadvantages for employees

Free Cover Limit for Risk Benefits

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Free cover limits

0:29

Typical amounts

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How it works

0:16

Medical underwriting

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Pre-existing conditions

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Timing

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Maximise your free cover

Distribution Differences: Approved vs Unapproved Benefits

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Approved benefits

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Distribution

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Dependants

0:37

How long payouts take

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Tax implications

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Unapproved benefits

0:38

Distribution

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Tax implications

0:35

Pros and cons

0:24

Beneficiary laws explained

0:18

Nominations speed up payment

0:18

Dependants first

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Beneficiary planning

0:22

Beneficiary rules

0:24

Beneficiary laws explained

0:18

Nominations speed up payment

0:18

Dependants first

0:25

Beneficiary planning

0:22

Beneficiary rules

0:24

Update your beneficiaries

0:20

How trustees decide

0:25

Beneficiary search process

0:17

Common mistakes

0:31

Protect your loved ones

Separate nominated beneficiaries

0:17

Fund vs estate

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Will vs fund

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Who’s in control

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Dependants

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Faster payouts

0:19

Protection against creditors

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Estate duty

0:23

Privacy

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Modern families

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Easy to update

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Different purposes

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Multiple funds

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What trustees consider

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Conflict between will and fund

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Why nominate separately

Update your details

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Keep details current

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Finding beneficiaries

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Tax certificates

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Unclaimed benefits

0:21

Stay informed

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Banking details

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Marital status

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ID changes

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Disability benefits

0:21

Emigration

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Fraud protection

0:20

Two-pot withdrawals

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Divorce settlements

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Managing multiple funds

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Keep these current

0:22

Simple steps

Reading your statement

Reading your statement

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How much?

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Additional contributions

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Setting these up

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Home loans

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Income replacement

How much

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How much?

0:31

Additional contributions

0:23

Setting these up

0:23

Home loans

0:23

Income replacement

0:31

Save 15%

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Start early

0:25

Adjust over time

0:30

Catching up

0:27

Investment returns

0:27

Diversification

0:25

Personalised planning

Maximum

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Maximum contributions

0:28

Everything counts

0:27

Carrying forward

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Exceeding the limit

0:26

High-income strategy

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Employer limits

Readiness

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Start early

0:33

Preserve your contributions

0:37

Calculate your needs

0:30

Maximise your benefits

0:35

Diversify your savings

0:29

Best retirement age

0:25

Healthcare

0:29

Paying off debt

0:33

Know the rules

0:24

Estate planning

0:32

Inflation

0:25

Review annually

0:27

Get help

0:29

S14 fund transfers

0:36

Process

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Approval

0:31

Finalisation

0:29

S14 fund transfers

0:36

Process

0:25

Approval

0:31

Finalisation

0:19

Financial advice

0:20

Costly investment mistakes

0:19

Personalised advice

0:19

Money emotions

0:19

Keeping up to date

0:19

Financial advice

0:20

Costly investment mistakes

0:19

Personalised advice

0:19

Money emotions

0:19

Keeping up to date

0:19

The laws that protect you

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Pension Funds Act

0:18

Income Tax Act

0:17

Financial Sector Regulation Act

0:18

Regulation 28

0:19

The laws that protect you

0:20

Pension Funds Act

0:18

Income Tax Act

0:17

Financial Sector Regulation Act

0:18

Regulation 28

0:19

POPIA rules

0:20

Financial Sector Conduct Authority

0:21

Pension Funds Adjudicator

0:27

Prudential Authority

Management

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Fund governance

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How?

0:16

Who?

0:16

What?

0:24

Board of trustees

0:18

Administration

0:29

Investment managers

0:24

Employer contributions

0:20

Your role

S13B administrator

0:19

S13B administrator

Retirement benefits counsellors

0:22

Retirement benefits counsellors

0:16

When to use one

0:23

Qualifications

0:28

Access a counsellor

0:28

What is a retirement fund?

0:28

Why join a fund?

0:30

Pension & provident funds

0:28

Rules before 2021

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Alignment after 2021

0:28

What is a retirement fund?

0:28

Why join a fund?

0:30

Pension & provident funds

0:29

Retirement annuities

Pension vs provident fund

0:28

Rules before 2021

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Alignment after 2021

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Vested pot exception

0:28

Why harmonisation matters

RAs vs Pension/provident funds

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Fund vs annuity

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Contribution differences

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Investment choices

0:32

Withdrawal rules

0:25

Preservation tips

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Cashing out

0:22

Tax breaks

0:21

Account fees

0:14

Death benefits

0:22

Choose your strategy

0:25

The two-pot system

0:24

Retiring from a fund

0:22

Withdrawing from a fund

0:26

When you can exit a fund

0:20

Tax at retirement

0:26

Tax on withdrawal

0:24

Tax-free amounts add up

0:19

When you retire

0:26

When you withdraw

0:21

Preserve your savings

0:24

Early withdrawal

Retirement fund vs preservation fund

0:24

Preservation funds

0:21

Retirement vs preservation fund

0:23

Contributions

0:23

When to use

0:24

Access rules

0:32

Withdrawal rules

0:30

Tax deductions

0:24

Tax-free fund transfers

0:14

Rules at retirement

0:22

Which is better?

0:24

The biggest mistake

Preservation funds

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Preservation funds

0:23

When to use

0:19

How they work

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Withdrawal rules

0:13

Different types

0:20

Tax benefits

0:21

Protect your retirement

Retirement fund FAQs

0:19

Contribution guide

0:26

Withdrawal rules

0:17

Changing jobs

0:19

Pension vs provident fund

0:20

Early exit tax rates

0:15

More than one fund

0:19

Tax deductions

0:12

Death benefit

0:21

Preservation funds

0:25

When to retire

0:28

Welcome to SURF!

0:25

Benefits of SURF

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Life-stage investing

0:27

Investment choice

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Switching funds

0:28

Welcome to SURF!

0:25

Benefits of SURF

Lifestage vs member's choice

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Life-stage investing

0:27

Investment choice

0:13

Switching funds

0:24

SURF’s default strategy

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Investment options

Basic life staging

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How life-staging works

0:14

When you retire

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7 years before

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6 years before

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5 years before

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3 years before

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1 year before

Communication

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Member communications

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Book a consult

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Lodge a complaint

Planning for your retirement.

Calculate your estimated contribution rate as a percentage of your salary.

Retirement Annuity Calculator

Current Age

Total Savings (Rands)

Current Salary (Rands per year)

Retirement Assumptions

Retirement Age

Drawdown Rate (% per year)

Inflation Rate (% per year)

Investment Growth Rate (% per year)

Assumptions applied in this calculation

Retirement Age 65 years

Drawdown Rate 6.00%

Inflation Rate 3.50%

Investment Growth 8.50%

Calculations assume annual contributions. Past performance is not an indication of future performance and investment returns are not guaranteed. Projections are based on assumptions and should be used as an indication only. Your actual returns may vary based on market conditions and individual circumstances. Outputs are shown in today’s terms. Contributions to a retirement annuity fund qualify for a tax deduction of up to 27.5% of taxable income, subject to an annual maximum of R430,000. This calculator illustrates the gross contribution rate that may be required to meet your retirement goal and does not account for individual tax deductibility limits. The information provided is not intended to nor does it constitute financial, tax, legal, investment or other advice. Before making any decision regarding your finances, or where the required contribution rate exceeds applicable tax deductibility thresholds, you should consult a qualified financial adviser. Actual investor performance may differ as a result of initial fees, actual investment date and date of reinvestment and dividend withholding tax.

Downloadable Resources

Nomination of beneficiary Withdrawal Claim – Employer Form Divorce Claim – Non-Member Spouse Form Savings Withdrawal Claim Form Retirement Claim Member Form Member Investment Switch Savings withdrawal Poster

Law Navigator – March 2026 Law Navigator – November 2025 Law Navigator – October 2025 Law Navigator – September 2025 Law Navigator – August 2025 Law Navigator – July 2025 Law Navigator – June 2025

Law Navigator – May 2025 Law Navigator – April 2025 Law Navigator – March 2025 Law Navigator – February 2025

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The Two-Pot System

The two-pot system

What changed

The pots explained

Rules for withdrawal

How it works for you

The two-pot system

What changed

The pots explained

Rules for withdrawal

How it works for you

Savings pot

Savings pot explained

Initial seeding

Savings pot withdrawals

Withdrawal costs

Leaving the fund

Think carefully

Retirement pot

Retirement pot explained

Retirement pot rules

Why it stays locked

Vested pot

Vested pot explained

Vested pot rules

Vested pot withdrawals

Common mistakes

Don’t raid your savings pot

Don’t resign for access

Withdrawals and tax

Accessible ≠ spend it

Don’t cash out at exit

Preserve when you leave

Withdrawal rules

Minimum withdrawal

Withdrawal timing

Maximise tax deductions

Plan for your annuity

Savings pot withdrawals

How seeding worked

Changing jobs

When you can’t withdraw

Tax on withdrawals

Vested pot explained

Withdrawal frequency

Retirement pot rules

Near retirement

Employer contributions

Managing multiple funds

Growing your savings

Replacement ratio

75% rule

Higher needs

Lower needs

Calculate your target

Replacement ratio

75% rule

Higher needs

Lower needs

Calculate your target

Ratio shortcomings

Flexible planning

Risk benefits

Approved risk benefits

Tax advantages

Unapproved risk benefits

Tax disadvantages for employers

Tax disadvantages for employees

Approved vs Unapproved Risk Benefits

Approved risk benefits

Tax advantages

Unapproved risk benefits

Tax disadvantages for employers

Tax disadvantages for employees

Free Cover Limit for Risk Benefits

Free cover limits