The smart choice
for a successful retirement

The 10X Preservation Fund

General Benefits

Your retirement savings can keep on growing - tax-free!

You’ll get a tax-free lump sum when you retire

10X Benefits

A proven track record of superior returns

Our fees are always less than 1% exc. VAT

A highly diversified portfolio

Clear and transparent reporting

The smart way to maximise your money

Changing jobs? Cashing in your pension even once can set you back years. So if you’ve decided to preserve your retirement savings, you’ve made a smart choice. We believe that smart choices deserve rewards, and what better reward than more money when it matter most? That’s exactly what we give you thanks to our award-winning investment solution, which, combined with our low fees, can get you up to 60% more money at retirement.

Build My Plan
Low Fees

High fees can cost you 40% of your retirement

All 10X funds are index funds. And because index funds don’t need expensive fund managers or the structures needed to support them, we can charge you less than 1% in total fees excl. VAT. The industry average is 3%. Paying that higher fee, compounded over time, means you could end up with 40% less money at retirement.

The after-inflation value of R3,000 contribution per month for 40 years, earning 6.5% real return pa.

Source: 10X Investments

Investment Value 10X Fee pa (ex VAT)
First R500 000 0.90%
Next R500 000 0.80%
Next R4 million 0.70%
Next R5 million 0.50%
Above R10 million 0.35%

How will preserving maximise my money?

Show me how much more I can get by investing with 10X

I am years old and have retirement savings of that I would like to invest.

Returns are based on R100 lump sum invested on 31 Dec 2007 to 31 December 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 234KB

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

Trying to pick winning stocks usually fails. By tracking the market index, we deliver a higher return than most fund managers.

Low fees

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.

Diversified Portfolio

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.

Investment Myth

Costs don’t matter.

Bust the myth

10X Investments manages over R8bn in assets for industry-leading clients


Your Preservation Fund questions, answered.

Who should consider using a preservation fund?

You should consider a preservation fund if you are withdrawing from a pension or provident fund (due...

When can you access your preservation fund?

You can make one partial (or full) cash withdrawal at any time before you retire. On retirement from...

How do you join a 10X Preservation Fund?

When you withdraw from your current retirement fund (either a company fund or another preservation f...

I am confident that 10X's model of a low fee passive investment is the best way to invest for my retirement.

– Gideon Granville, 10X Client

Decided to Preserve?