• Understanding the three components (or ‘pots’): the vested, savings, and retirement components.

• What regulations allow as a withdrawal per tax year.

• What additional conditions do you need to be aware of to be able to withdraw?

• The tax consequences if you withdraw funds.

• The long-term negative impact of insufficient funds left to make up the shortfall before retirement.

• What to use the funds for if you need to withdraw due to cash constraints.

• Audit managers
  

• Audit partners
  

• Auditors
  

• Bookkeepers
  

• Financial accountants

• 
  All levels SAICA trainees

• Investment managers
  

• Financial managers
  

• Engagement quality control reviewers
  

• Compliance officers
  Tax practitioners