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What are the differences between a provident and a pension fund?
Historically, pension and provident funds had significant differences in how you could access your money at retirement.
Read moreHow will my provident fund pay-out be taxed?
The tax treatment of your provident fund depends on which portion you're accessing and when you're accessing it.
Read moreGeneral
What is the difference between a provident, pension, RA and preservation fund?
While all these options are retirement funds governed by the Pension Funds Act, each serves a different purpose in your retirement planning journey.
Read morePreservation fund
Can I make a withdrawal from my preservation fund before retirement?
The earliest retirement date is usually 55, although this is subject to the fund rules. These issues are important because they determine if you can a) make another withdrawal and b) the tax thereon.
Read moreWhat happens to my retirement fund after I resign?
When you resign from your job, your options depend on whether you have a provident/pension fund or a Retirement Annuity (RA).
Read moreCan I access the balance of my preservation fund before age 55?
Yes, but access rules depend on when you started your preservation fund, thanks to the two-pot system introduced in September 2024.
Read moreRetirement annuity
Will I be penalised for a Liberty RA withdrawal?
If you have a Liberty Retirement Annuity (RA), your withdrawal options and any potential penalties are governed by both Liberty's specific terms and South Africa's retirement regulations.
Read moreCan I get my money back if I cancel my retirement annuity?
While you can't "cancel" an RA to get all your money back, there are specific circumstances under which you can access some of your funds.
Read moreWhat are the consequences of canceling my retirement annuity?
Many investors ask about "cancelling" their retirement annuity (RA), often during financial pressure or career changes.
Read moreWhat is the annual growth that can be expected on the10X Retirement Annuity?
The annual growth of your 10X Retirement Annuity (RA) depends on several factors, particularly the fund you choose.
Read moreWhat happens to my retirement annuity when I resign?
Irrespective whether you belonged to a Group RA scheme or took out the retirement annuity yourself, the retirement annuity is a savings product for individuals, registered in your name.
Read moreWhat are the consequences of canceling my retirement annuity?
If you cancel the policy before maturity date (normally in the year you turn 55), the policy will be made "paid-up".
Read moreTwo-pot
I tried doing a withdrawal and something went wrong. Will I pay an administration fee if the withdrawal isn't successful?
No, the administration fee will only be charged on a successful submission.
Read moreIs the administration fee applied before or after tax?
The administration fee is deducted before applying for tax.
Read moreIf you terminate your fund membership and have already made a withdrawal within the tax year, can you make another withdrawal at resignation?
You can make an additional withdrawal in the same tax year only if the balance in the savings component is less than R2 000.
Read moreHow can we 10X Your Future?
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