The truth is that 9

10 investors could do better.

In support of

As proud sponsor of Daily Maverick’s The Gathering, 10X also wants to expose the truth about your fees.

The pensions of most South Africans have been captured by an industry that charges high fees for under-performing products. 10X Investments offers a simple, low-cost alternative that gives savers the best possible chance of retiring with dignity. All we need to expose the truth is your benefit statement and a few minutes of your time.

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Fees Matter

Fees are the single biggest predictor of your investment’s performance.

You might have heard of the “power of compound interest”. What’s less talked about is the “tyranny of compounding costs”: over time, paying 2% more in fees can mean 40% less for you when you retire. We know that this may be hard to believe at face value. Which is why we’d like you to put us to the test.

The impact of fees on your investment over 40 years


Based on R100,000 investment at 6% return over 40 years.

Get the Facts

Most people don’t know what fees they’re paying.

The industry likes to hide and complicate their various fees, which are seldom disclosed simply or transparently, if at all. The result is that 93% of investors either don’t know what they’re paying, or think they’re paying less than 1%. In reality, most pay around 3%.

When you ask us for a comparison, we’ll help you find out what your investment is costing you, now and in the long run.

Get a free comparison

The impact of paying 3% in fees on your investment


Based on a lump sum investment of R100 000 earning 6% pa over 40 years.

Getting More Out

Compare what you’re paying, and what you’re likely to get out.

We’ll establish what fees you’re paying, compared with what you’d pay with 10X. Based on those fees, we’ll also forecast what your investment will be worth when you retire if you stick with your current investment, compared with if you move to 10X.

In the rare case that it’s better for you not to move, we’re transparent enough to tell you, and we’ll thank you for giving us a chance.

Get a free comparison

Examples of real customers' comparisons

Comparison 1 With current provider With 10X
Current investment value R38 500 R38 500
Fees (incl. VAT) 3.18% 0.98%
Years until retirement 38 38
Assumed annual growth * 8% 8%
Value at retirement R230 324 R507 296
Difference (54% less)
Comparison 2 With current provider With 10X
Current investment value R462 702 R462 702
Fees (incl. VAT) 2.49% 0.89%
Years until retirement 25 25
Assumed annual growth * 8% 8%
Value at retirement R1 807 077 R2 577 549
Difference (29% less)

* after inflation, before fees

“Finally the consumer has somewhere to go where they won’t feel ripped off every time they make an investment in their retirement.”

– Mike Smith
Read more client stories

“I feel a bit lost when it comes to all the small print. That’s why I liked 10X’s sales pitch, it was simple and easy to understand.”

– Vivian Deetlefs
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“When I saw the 10X comparison report I nearly died! Without having to commit a crime, I could have nearly R2million more for my retirement!”

– Liezel Nicholas
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Secure a better retirement today!

Secure a better retirement today!