10X Investments

Retirement Calculator

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The Calculator is to be used for Illustrative Purposes Only.
Projected Investment Returns are not Guaranteed.

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Monthly Income at Retirement

Your final monthly salary, based on 1% real growth, will be R0. This is what your future salary would be worth today, once inflation has been stripped out. 10X believes that a retirement income of 60% of your final salary is a sound minimum goal.

Monthly Income at Retirement
Assuming Low Market Returns Assuming Average Market Returns Assuming High Market Returns
Source Income at retirement Income at retirement Income at retirement
10X
(1% fees)
R0

  1. High fees ruin your retirement. Each 1% p.a. in fees saved increases your final
    pension by approximately 30% over a working life (40 years).
  2. ** National Treasury estimates average industry RA fees between 2.5% and 3%
    of your investment balance. Source: Charges in South African retirement funds.
    July 2013. 10X's maximum fee is 0.9% plus VAT, but this reduces for amounts
    over R1m.
  3. * All projections are in today's money i.e after inflation.

The Calculator is to be used for Illustrative Purposes Only. Projected Investment Returns are not Guaranteed.

Investment Value at Retirement

10X believes that aiming for an investment value that will be able to generate a monthly income in retirement of at least 60% of your salary is a sound minimum goal.

Investment Value at Retirement
Source Assuming Low Market Returns
Investment Value at retirement
Assuming Average Market Returns
Investment Value at retirement
Assuming High Market Returns
Investment Value at retirement
10X
(1% fees)
R0

  1. High fees ruin your retirement. Each 1% p.a. in fees saved increases your final
    pension by approximately 30% over a working life (40 years).
  2. ** National Treasury estimates average industry RA fees between 2.5% and 3%
    of your investment balance. Source: Charges in South African retirement funds.
    July 2013. 10X's maximum fee is 0.9% plus VAT, but this reduces for amounts
    over R1m.
  3. * All projections are in today's money i.e after inflation.

The Calculator is to be used for Illustrative Purposes Only. Projected Investment Returns are not Guaranteed.