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It’s a good time to take a look at ‘3-pots’

The new 2 pots legislation allows investors a withdrawal with certain limitations. But really this should be a time for retirement savers to be reviewing what we call ‘3-pots’ because it can have a huge impact on your retirement saving outcomes. Fees and your choice of funds are what should be reviewed at this stage.

TWO POTS EXPLAINED3 POTS CALCULATOR

FEES AND COSTS: By minimizing the fees and costs associated with managing your retirement savings, you retain more of your funds, which can significantly grow over time. 


FUND CHOICE: By optimising your investment choices, you can achieve higher returns, further boosting the overall value of your retirement savings.

Thus, the third pot is the additional growth and savings you accumulate over time, thanks to reduced fees and improved performance, further enhancing your financial security for retirement.

OUR '3 POTS' CALCULATOR

Calculate the impact of fees and funds on your retirement

Fees and Fund allocation make a huge difference to your retirement savings outcomes. Use the calculator below to illustrate what a single percent reduction in fees and a 1% increase in growth could mean for your retirement at the age of 65.

Current Retirement Annuity

Please add your current retirement annuity details

R
R
%
Industry average on Retirement annuities is 3%
%
Average growth on RA’s is 8%

Current Retirement Annuity

Your current retirement annuity details

R
R
%
Industry average on Retirement annuities is 3%
%
Average growth on RA’s is 8%
Value of funds at retirement
Monthly income at retirement

New Retirement Annuity

1% reduction in fees and a 1% increase in growth

R
R
%
Reduced annual fees
%
Revised growth projection
Value of funds at retirement
Monthly income at retirement
Value of funds at retirement
Monthly income at retirement
Value of funds at retirement
Monthly income at retirement
8

1% less fees and 1% increase in growth could increase your retirement savings by:

Put your retirement back in your own hands

We would like to help you maximise your hard-earned savings to ensure that you make the most of your all retirement investments. By entering your contact details you are giving us the permission to send you our growth strategy document.

The results provided by the 3 Pots Calculator and accompanying report are for illustrative purposes only and are not intended to serve as financial advice or a guarantee of future performance. While we strive to provide accurate and up-to-date information, Kingsley Capital cannot be held responsible for any discrepancies, errors, or assumptions used in the calculations. The actual performance of your investments and financial outcomes will depend on a variety of factors, including market conditions, investment decisions, and individual circumstances. We strongly recommend consulting with a qualified financial advisor before making any financial decisions based on this illustration. This calculator has been verified by an independent actuary
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Kingsley Capital is a division of Yield Capital (PTY) Ltd under FSCA number 30787