TWO-POT
The Two-Pot system, explained
From 1 September 2024, one-third of new contributions go into a savings pot you can access once a year. Two-thirds stay locked for retirement.
Read the guide →For employees
Your benefits, made clear.
Straight answers about the Two-Pot system, your retirement fund, group risk cover and what to do when life happens — plus a real person to call.
Start here
The three things employees ask us most.
YOUR FUND
How your retirement fund works
Contributions, vested rights, beneficiary nominations, group risk cover — the things on your payslip, in plain language.
Browse insights →CLAIMS
Death, disability & dread disease claims
If something happens, we walk you and your family through the paperwork so claims actually get paid.
Talk to an advisor →Decision tool
What will a Two-Pot withdrawal really cost you?
Before you withdraw, see the tax taken now and the income you'd give up at retirement.
Decision tool
What will a withdrawal really cost me?
In your pocket today
R14 200
After tax and admin fees
What that money could become
R93 219
Or roughly / month at retirement
R388
Estimate only. Assumes ~8% growth a year and a 5% drawdown at retirement. Real numbers depend on your fund — chat to us before you decide.
Quick answers
What employees actually want to know.
Can I withdraw from my savings pot?
Yes — once per tax year, with a minimum of R2,000. SARS taxes the withdrawal at your marginal rate, so you'll usually take home less than you expect. Use the calculator below first.
What happens to my old retirement savings?
Everything saved before 1 September 2024 sits in a vested pot under the old rules. A small seed amount was moved into your savings pot when Two-Pot started.
When can I touch the retirement pot?
Not until you retire. That's the point — it's the money that pays you an income when you stop working.
Who do I call if I have a question?
Every employee at an Ember-advised employer gets a real advisor by name. No call centre, no 0800 queue.
Stuck on a decision? Talk to a human.
If your employer works with Ember, you already have an advisor in your corner. Reach out — no script, no queue.
Get in touch