A higher retirement income
that lasts longer
The 10X Living Annuity
Allows you to take charge of your retirement savings
The flexibility to set your annual income
Control your investment strategy
Retain your capital for your estate
Superior long-term growth
Our fees are always less than 1% exc. VAT
A well-diversified portfolio
A team of retirement experts to assist you
* The 10X Living Annuity is underwritten by Guardrisk Life, a subsidiary of one of SA’s largest insurers Momentum.
We make your retirement income last longer
A living annuity is a great way to reinvest your retirement savings. But to make it last your retirement years, you need to minimise fees, maximise returns, and draw a sustainable income.
The 10X Living Annuity works hard to cover all bases for you. Our total fees are less than half the industry average, which means a higher monthly income for longer. Our High Equity portfolio is geared for the best possible growth to ensure your capital lasts. And our calculator tool helps you find the right income to draw from your savings each year. Our award-winning investment strategy will help you live the best life possible in relation to your savings, long after you've stopped working.
Our low fees can give you 20 more years of retirement income
In retirement, fees can impact whether your savings last your retirement years or not. The more you pay in fees, the sooner your savings will run out. At 10X, we never charge you more than 1% excl. VAT. This is 2% less than the industry average of 3%. Saving 2% might not sound like a big difference, but as you can see in the graph, it can add years of income to your retirement – regardless of which investment portfolio you choose.
|Investment Value||Fee pa incl VAT as % of Investments*|
|First R5 million||0.86%|
|Next R5 million||0.57%|
|Above R10 million||0.40%|
Your Personalised Plan
Calculate a sustainable income that will last your retirement years.
Getting you more out of every rand
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
*Alexander Forbes Large Manager Fund Watch Survey
Download Fact Sheet 230KB
Returns are based on R100 lump sum invested on 31 December 2007 to 30 November
Source: 10X Investments, Alexander Forbes Large Manager Watch.
Here’s how 10X gets you more money
No matter who you are or how much money you invest with us, we use one, simple investment strategy. No confusing choices, no extra costs. Just four core principles proven to get you more:
Trying to pick winning stocks usually fails. By tracking the market index, we deliver a higher return than most fund managers.
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.
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.
Your Living Annuity questions, answered.
Among the living annuity risks and benefits include that in exchange for the flexibility benefit a l...
You have the flexibility to choose the annual income your living annuity will pay, between 2.5% and...
Any residual investment value is distributed among your beneficiary(ies). Other than any retirement...
10X Investments manages over R8bn in assets for industry-leading clients
10X have impressed me with their efficiency and personal touch. In all my dealings with them, they have been friendly and approachable, knowledgeable and quick to respond and go the extra mile as it were.– Gavin Ball, 10X Client