Start a new investment with 10X in January and you won’t pay our fees until 1 October.

It's our birthday and we're celebrating!  Open a new investment with 10X in January and you won't pay 10X fees until 1 October. This offer applies to the 10X Retirement Annuity, Living Annuity and Preservation Fund.

Contact one of our retirement experts on (021) 412 1010, email, or apply online.

Terms and Conditions:


• Fee-Free Birthday Promotion: Pay no 10X investment management fee between 1 January 2019 and 30 September 2019 on new retail applications received during January 2019.


• The Promoter is 10X Investments (Pty) Ltd (“the Promoter”)

Who can participate

• This promotion is open to all South African Residents who are in possession of a valid identity document as well as foreign nationals who can present their passport.

• Any participant under the age of 18 years must be fully assisted by his/her legal guardian, who approves of, and consents to, the participant’s possession/receipt of the promotional offering.

• Employees at 10X Investments, partner agencies/affiliated companies and members of their immediate family are allowed to participate in this promotion.

Which products qualify

• The following are “promotional products” for purposes of this promotion:

- 10X Retirement Annuity
- 10X Living Annuity – no 10X investment management fee will be charged for the duration of the promotional period. However, a 0.075% fee (per annum) will be charged by the life insurer.
- 10X Pension Preservation
- 10X Provident Preservation

• The promotion is only open to individual retail product applications. The 10X Umbrella Funds and Group Retirement Annuity applications do not apply.

• This promotion does not apply to clients’ existing products with 10X investments.

• The promotion does apply to members of the 10X Umbrella Funds who apply to transfer their benefits to a new 10X retail product during the promotional period.

Promotion period

• This promotion is open from 1 January 2019 and ends at midnight on 31 January 2019. Any applications received after 31 January 2019 will not be considered for the promotion.

How does the promotion work

• Participants must submit a completed application for a 10X promotional product during the promotion period.

• Participants must submit their application via the online application portal: No manual applications will be accepted for purposes of this promotion.

• All new applicants who apply for a 10X Investments promotional product during the promotion period will pay no 10X investment management fees from the date on which their first investment is received by 10X Investments, until 30 September 2019.

• All Participants will start paying 10X investment management fees from 1 October 2019, as per usual fee structures for 10X Investments products. Note that 10X cannot control how long a transfer from another fund provider will take.

• If an existing client applies for a new 10X product during January 2019, the new product must be different to the client’s existing product, in order to qualify for this promotion. For example: a client with an existing retirement annuity cannot take out an additional retirement annuity product. This client can, however, take out a 10X preservation fund product or a living annuity product and benefit from the promotion.

Fine print

• The specifications of the promotion, including but not limited to duration and value, are at the discretion of the Promoter and are not negotiable. 

• The Promoter reserve the right to alter or cancel the promotion at their own discretion. In the event of such cancellation or alteration, all participants shall waive and abandon any rights they may have against the Promoter, its affiliates or associated companies.

• Participation in the promotion constitutes acceptance of the promotion’s Terms and Conditions.

• No applications from agents, third parties, organised groups or applications automatically generated by computer will be accepted. No incomplete or corrupted application forms will be accepted. Applications will only be accepted if it is accompanied by all supporting documentation required. 

• The Promoter reserves the right to disqualify any application if fraud or cheating is suspected, including but without limitation, through the manipulation of withdrawing from an existing 10X product to re-apply for the same product to benefit from the fee-free promotion. If it is found that a 10X client withdraws from a 10X product in order to gain from the fee-free promotion, 10X reserves the right to withhold the client’s 10X fund withdrawal until the investigation is complete.

• The Promotor is not responsible for applications lost, damaged or delayed as a result of any network, computer hardware or software failure of any kind. Proof of sending will not be accepted as proof of receipt. 

• In the event of any dispute, the decision of the Promoter is final. No correspondence will be entered into.

• Neither the Promoter, its agents, its associated companies, nor any directors, officers or employees of such, shall be liable for any loss or damage, whether direct, indirect, consequential or otherwise arising from any cause whatsoever, which may be suffered by a participant, as a result of participating in this promotion.

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