Isebe lezemali liceba ukubamba iingxoxo ezingokuvumela abemi boMzantsi Afrika ukuba bafikelele kwinxalenye yemali yomhlalaphantsi wabo ekungavumelekanga ngokomthetho ukuba bayiphathe, de bathathe umhlalaphantsi. Esisigaba sesibini kwinkqubo yomhlalaphantsi entlantlu-mbini (two-pot retirement system) esiphononongwayo, silandela iinguqu zango2024 ezakhokhelela ekubeni abasebenzi bakwazi ukufumana isabelo esiyi one third yomhlalaphantsi wabo kwangoku besaphangela, esifakwe kwingxowa yokonga,  ze esinye isabelo esiyi two thirds basifumane xa bethatha umhlalaphantsi. Kungokunje, esisicwangciso singathetha ukuba abasebenzi bangafikelela nakwingxowa yesibini yomhlalaphantsi wabo, kodwa phantsi kwemiqathango engqingqwa yoxinizelelo lwemali.