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Pension Fund Rules vs the Law: What Overrides What
Every retirement fund runs on three layers of rules: the Pension Funds Act, the regulations made under it (including Regulation 28), and the fund's own registered rules. Trustees then apply those rules with some discretion. When the layers disagree, one wins. This...
Retrenched? What to Do With Your Retirement Fund
Losing your job is stressful, and your retirement fund is often the only large sum of money in reach. Before you touch it, you need to know three things: how the way you leave changes the tax, what the two-pot system lets you take, and what a quick cash-out costs you...
Retirement Fund Death Benefits: How Section 37C Decides Who Gets Your Money
When a member of a pension, provident, preservation or retirement annuity fund dies, the money does not go where the member's will says. It is allocated by the fund's trustees under Section 37C of the Pension Funds Act. Two recent court rulings have changed how that...
Compulsory Annuitisation and the R360,000 Small-Balance Rule
Most retirement savings in South Africa cannot all be taken as cash. When you retire, part of the money must buy an annuity, which pays you an income instead. There is one exception for small balances, and it was raised in 2026. The rule is easy to get wrong, because...