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Two-Pot Retirement: A Practical Guide for South Africans
South Africa's two-pot retirement system changed the rules for everyone saving into a pension fund, provident fund, or retirement annuity from 1 September 2024. New contributions split into a savings pot you can access once a year, and a retirement pot you cannot touch until retirement.
The new system creates real planning opportunities and real risks. Drawing the savings pot every year sounds attractive, but compounded over thirty years it can cost you several hundred thousand rand in lost growth. The articles below explain how the rules work in practice and how to think about each decision.
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