Can I invest 100% of my living annuity offshore?

Yes, it's possible to invest 100% of your living annuity offshore. However, there are important factors to consider:

1. Regulation 28: This rule, which limits offshore exposure to 45%, doesn't apply to personal living annuities. It only applies to living annuities owned by retirement funds. With 10X Investments you can invest up to 100% offshore.
2. Currency risk: While offshore investing can be attractive, it's important to remember that your retirement expenses will likely be in rands. Investing entirely in foreign currency exposes you to significant currency fluctuations.
3. Diversification: A balanced approach, including both local and offshore investments, often provides better risk management.