Your benefit in the UCTRF is referred to as your Accumulated Retirement Savings. 

This is made up of:

Vested Pot – This is all your savings in the UCTRF on 31 August 2024, plus interest.  Your Vested Pot is made up of your Vested Share and Non-Vested Share.  Your Vested Share is all your savings up to 28 February 2021 plus interest and your Non-Vested Share is all your savings in the UCTRF from 1 March 2021 up to 31 August 2024 plus interest.

Savings Pot – This is 1/3rd of your contributions made from 1 September 2024 onwards plus interest.

Retirement Pot - This is 2/3rds of your contributions made from 1 September 2024 onwards plus interest.

Note: If you are a member of the UCTRF who was 55 or older on 1 March 2021 and  you did not elect to participate in the Two Pot System before 1 September 2025 the above does not apply to you.  See https://uctrf.co.za/uctrf/members-over-55-on-1-march-2021.

These include:

These amounts will be deducted proportionately from the Vested Share and the Non-Vested Share of your benefit.