Two-pot plunder shows up struggle

So far, the amount of money withdrawn by South Africans under the provisions of the two-pot retirement system has shot past R21 billion and expectations are that the final figure could well be double that, or more. This shows that South Africans - those fortunate enough to have accumulated some retirement funding, whether or not they are still in employment - are struggling to keep their heads above water financially.

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If they were comfortable, they would not have to "rob Peter to pay Paul" by removing a portion of their retirement funds to use in the here and now.

That means, no matter the spin put on it, there will be less money left to cater for the hoped-for "golden years" at the end of a working career.