A higher retirement income
that lasts longer

Your 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 with low fees

A well diversified portfolio

Online tools to assess your sustainable income

The income you deserve. The flexibility you need

When you retire, a living annuity allows you to reinvest your retirement savings to provide you with a retirement income, while still growing your investment. It also offers you the flexibility of changing your retirement income annually, and the control to switch your investment strategy if you wish. But it’s only a great choice if you minimise your fees, maximise your returns, and draw a sustainable income. Anything less, and your life’s savings won’t work for you as they should.

The 10X Living Annuity

Making your retirement income last longer

A living annuity is only a great choice if you minimise your fees, maximise your returns, and draw a sustainable income. The 10X Living Annuity works hard to cover all bases for you. 10X’s total fees are less than half the industry average, which means a higher monthly income that lasts longer. Our High Equity portfolio positions your savings towards the best possible long-term growth to ensure your capital lasts and can provide you an income for life. And our calculator will help you determine the right income to draw each year from your retirement savings. Taken together, our award winning fund will allow you to live the best lifestyle possible in relation to your savings, long after you've stopped working.

*The 10X Living Annuity is underwritten by Guardrisk Life, a subsidiary of one of SA’s largest insurers Momentum.

Investment Value Fee pa incl VAT as % of Investments*
First R5 million 0.86%
Next R5 million 0.57%
Above R10 million 0.40%

*If you have more than one living annuity policy with 10X, the fee scale will be applied to the total investment value summed up across all policies.

More about fees

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 177KB


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

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

The 10X Way

At 10X, there are three things that make us who we are. Call them our values, call them our beliefs. For us, it’s our DNA.

Low fees

Our total fees are less than half the industry average.

Simplicity

One simple solution. No confusing choices. No extra costs.

Transparency

Always know what you’ve earned, what you pay, and where you are.

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 manages over R7bn in assets for South Africa’s industry leaders

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!