• Benefits

Industry Experience and Innovative Thinking

Member Guide

Your Wealth.
Your Future.
Your Fund.

Comprehensive protection for today and strategic growth for tomorrow. Understanding your full suite of Provident Fund benefits.

Explore Benefits Two-Pot System
New Legislation

The Two-Pot Retirement System

Effective 1 September 2024, your retirement savings are structured to balance immediate access with long-term security.

1. Vested Pot

Past Savings

All your savings accumulated before 1 Sept 2024. These funds follow the old rules. You can access them upon resignation or preserve them until retirement.

Rights Protected
Accessible

2. Savings Pot

1/3 of New Contributions

Designed for emergencies. You can withdraw from this pot once per tax year (minimum R2,000) without resigning.

Taxed at Marginal Rate

3. Retirement Pot

2/3 of New Contributions

Strictly preserved for your old age. This money cannot be accessed until you retire (age 55+), ensuring you have a monthly income.

Compulsory Preservation

Your Investment Engine

We don't just save your money; we grow it. The Fund employs a sophisticated One Size Fits All Model or similar growth strategies designed to beat inflation over the long term.

  • Target: CPI + 4-5% (Long Term Growth)
  • Compound Interest (Earning interest on interest)
  • Professional Asset Management

Where does the contribution go?

Retirement Savings (Invested)Primary Portion
Risk Benefits (Death/Disability/Funeral)Premiums

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