In this Smart Money interview, van Tonder summarises how the new two-pot retirement system works. He then explains why the two-pot system was instituted and why it is unwise to withdraw money from your savings pot. Van Tonder also discusses whether Ninety One has seen a rush from its clients to claim from their savings pot. He concludes the interview by providing insight into how he thinks the two-pot retirement system will impact the South African financial markets in the short and long term.