10X Investments

Financial Education

How much money do I need to preserve my standard of living in retirement? Am I saving enough? Am I on track? Am I saving the right way?

Most of us confront these questions in our retirement planning. In this section, we answer these questions, to enable you to make informed investment decisions and build realistic expectations.

These elements underlie a successful retirement investment:

  1. Target a 60% replacement ratio
  2. Save 15% of your salary for 40 years
  3. Choose a retirement fund for significant tax advantages
  4. Follow a sensible investment strategy that targets at least a 3% net real return:
    • Adapt your asset mix to your age
    • Use index funds as they outperform most actively managed funds
    • Minimise your costs

See main assumptions.