pension and accumulitive phase contr., page-11

You can have two accounts in the one fund; one in pension phase and one in accumulation phase.

There is no need to have two funds.

At the end of the year you roll the pension account back to accumulation phase and add it the the monies contirbuted to the accumulation account during the year and then on 1 july the whole amount goes into pension (tax free) and you start a new accumulation account.

The above comments depend on your eleigibilty to have both a pension account and an accumulation account (eg TTR).

I am not a finacial advisor; DYOR

GF