RA top up or tax-free savings account?

RA top up or tax-free savings account?
I am currently 54 years old and contributing to a pension fund and RA. I am also contributing towards a tax-free fund of R33 000 per year. I am however not using the full 27.5% contribution towards the pension/RA funds on my total remuneration as per Sars.
RA top up or tax-free savings account?