There’s stuff the retirement industry doesn’t want to talk about. Well, we’re talking.


There’s stuff the retirement industry doesn’t want to talk about. Well, we’re talking.

“we need to talk about the elephant”
Let's talk

10X Investments manages over R8bn in assets for industry-leading clients

Here’s how we get you more

No matter who you are or how much money you invest with us, we use one, simple investment strategy. Why? Because it works. No confusing choices, no extra costs. Just four core principles proven to get you more:

Index Tracking

Trying to pick winning stocks usually fails. By tracking the market index, we deliver a higher return than most fund managers.

Low fees

Independent research found that fees are the most reliable predictor of your investment’s performance. At 1% or less before VAT, ours are less than half the industry average.

Diversified Portfolio

With both eyes on long-term growth, we invest your money mainly in local and international shares, as well as a mix of property, bonds and cash.

Life Stage Investing

We automatically adjust your portfolio according to your investing time horizon, maximising growth for as long as possible, then reducing risk as you approach retirement.

The after-inflation value of R3,000 contribution per month for 40 years, earning 6.5% real return pa.

Source: 10X Investments

Low Fees

High fees can cost you 40% of your retirement

All 10X funds are index funds. And because index funds don’t need expensive fund managers or the structures needed to support them, we can charge you less than 1% in total fees excl. VAT. The industry average is 3%. Paying that higher fee, compounded over time, means you could end up with 40% less money at retirement.

Show me how fees can impact my retirement

I am years old and I earn per month.

Returns are based on R100 lump sum invested on 31 Dec 2007 to 31 December 2016.

Source: 10X Investments, Alexander Forbes Large Manager Watch.

Superior Returns

If you invested R100 in 2007, would you rather have R202 or R257 today?

Our approach delivers superior long-term returns at a fraction of the cost. In fact, since its inception in 2008, the 10X High Equity portfolio has consistently outperformed the average return of large fund managers.* And over a forty-year working life, that can mean as much as 60% more money at retirement.

*Alexander Forbes Large Manager Fund Watch Survey

Returns are based on R100 lump sum invested on 31 December 2007 to 30 November 2016.

Source: 10X Investments, Alexander Forbes Large Manager Watch.


No hidden fees, no surprises.

At 10X we have one, single, all-inclusive fee, and our reporting is clear and laid out in plain language. You always know what you earn, what you pay, and where you are in relation to your goals.

Our Products

How should I invest?

Retirement Annuity

It’s never too early to start getting more out of your retirement. The 10X RA allows you to save for your retirement in a tax-efficient and cost-effective way. How? We use index tracking to deliver competitive long term returns; and charge less than 1% in total fees excl. VAT, maximising your savings at every turn.

Learn more

How much do I need?

Use our retirement calculator to start planning, or find out if you’re on track.

Crunch my numbers

Who should consider using a retirement annuity?

Retirement annuities are appropriate for: Self-employed people, employees in organisations that do not provide a pension or provident fund, employees who earn a significant amount of passive taxable investment income (from interest, rent, annuities etc,) and wish to increase their retirement savings and employees who wish to claim retirement fund contributions at the maximum permitted rate or amount....

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Investment Myth

Top fund managers can reliably beat the market.

Bust the myth

There’s a lot to be said for the 10X Investment approach. In an overcomplicated investment world, it goes back to basics.

– Financial Mail

Ready to switch to 10X today?