A higher retirement income
that lasts longer

The 10X Living Annuity


General Benefits

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


10X Benefits

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.

Build My Plan
Low Fees

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.

Based on an annual drawdown of 5%.
Source: 10X Investments. Dimson, Staunton & Marsh

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.

Step 1 of 4

How old are you?

10X Insight

Even as a retiree you are still a long-term investor if investing for longer than 5 years.

Step 2 of 4

What are your current retirement savings?

10X Insight

No matter your savings, the most reliable way to maximise them is with low fees.

Step 3 of 4

What is your desired monthly retirement income?

10X Insight

By law you are obliged to draw an income of between 2.5% and 17.5% of your investment balance per year.

Step 4 of 4

Until what age do you require a monthly retirement income?

10X Insight

The latest global data predicts that a 60 year old today can on average expect to live for a further 20 to 25 years!

Returns are based on R100 lump sum invested on 31 December 2007 to 30 November 2016.

Source: 10X Investments, Alexander Forbes Large Manager Watch.

Superior Returns

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 managers.*

*Alexander Forbes Large Manager Fund Watch Survey

Our Performance

Download Fact Sheet 348KB


Returns are based on R100 lump sum invested on 31 December 2007 to 30 November 2016.

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:

Index Tracking

It’s impossible to reliably predict the market. Instead of trying to pick winning stocks, we deliver the returns of the market as a whole, at a fraction of the cost.

Low fees

Our total fees are less than half the industry average – and the difference is invested on your behalf to compound over time.

Diversified Portfolio

Don’t put all your eggs in one basket. We invest your money locally and offshore, in a diversified portfolio of shares, property, bonds and cash.

Life Stage Investing

We automatically adjust your portfolio based on your retirement date. The result? Maximised returns and minimized risk. No difficult or costly decisions.

Investment Myth


Bigger institutions perform better.

Bust the myth
FAQ

Your Living Annuity questions, answered.

What are the living annuity risks and benefits?

Among the living annuity risks and benefits include that in exchange for the flexibility benefit a l...

How much income will my living annuity pay?

You have the flexibility to choose the annual income your living annuity will pay, between 2.5% and...

What happens to my living annuity when I die?

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

Secure a better retirement today!