Grow your pension & provident savings in a 10X Preservation Fund
Your Retirement Income Masterclass: Making the most of a Living Annuity
When to choose a preservation fund
A preservation fund lets you keep your retirement savings when you change jobs. Keep your money growing tax-efficiently and avoid the temptation to cash out.
Changing jobs
Resigned or retrenched? Keep your retirement savings invested.
Left your pension behind?
Move your pension into your own name instead of leaving it with an old employer.
Consolidate pensions
Bring multiple pension or preservation funds together into one place.
Switch and save
Still paying 1%+? Lower fees make a real difference over time.
Why our clients choose us
A Preservation fund is a tax-efficient investment product designed to help you save for retirement.
Fees that work for you
Fees can impact whether your savings last your retirement years or not. At 10X, we aim to keep fees as low as possible.
Investing for growth
We offer a range of index-based funds, including multi-asset and offshore funds.
View funds
No advisorsRetirement without the middleman
Invest directly with us, using simple tools and clear guidance that keep you in control.
Service that puts you first
Our friendly, expert team cares about your future. We're here to help you make confident, informed choices and support you into retirement.
Get our Preservation Fund investment report
Download the Regulation 28 investment report to learn how 10X delivers superior long-term returns at a fraction of the cost for your Preservation Fund.
Fees that work for you
Our fees are simple and transparent, so you know exactly what you're getting in your investment.
Apply between 16 March and 31 May 2026 and lock in a total annual investment cost of less than 0.70%. This pricing is locked in for as long as you remain invested in your 10X Preservation Fund.
| Cost breakdown | Amount |
|---|---|
| Product fee (fixed, permanently) | 0.49% per year |
| Fund trading costs* | 0.20% or less per year |
| Total annual investment cost | Less than 0.70% |
* Historical range of trading costs has been 0.10% – 0.20% annually. Your product fee will not change. Fund transaction costs may vary over time.
There are no additional administration fees, platform fees, or hidden charges. The fee is calculated daily and deducted monthly in arrears from your investment.
Promotional pricing applies to new Preservation Fund applications received between 16 March and 31 May 2026. Ts&Cs apply.Speak to an investment consultant
Real assistance by real people
No chatbots, call centres or weeks waiting for a response. Our team is here to help via email or phone.Easy switching
We'll fully manage the switch from your old provider.Clear product information
We help you understand which product and fund best suits your needs.
Can't wait to talk to us? Call us on +27 21 412 1010. Please press option 3 for Investment Consultants.
Our consultants
How can we help you?
Choose the best 10X fund for you
The following funds are available with a preservation fund. Need help choosing a fund? Use our Fund selection tool
Need help finding the right fund?
Use our fund selection tool to see what fund is best for your needs
9 out of 10 people do better with 10X
Low returns and high fees can significantly reduce your retirement savings. At 10X, we keep your fees low and our 10X Your Future Fund consistently outperforms benchmarks.
Validate whether you could do better with 10X. Our free comparison report breaks down historical performance and fees, so you can make an informed decision.
10X Your Future with superior returns
This fund consistently outperforms other leading fund managers, so it's not surprising that most 10X investors choose this fund to help them reach their long-term goals.
Benefits of the 10X Future Fund
Local and international investment
Diversified
Low fees
Ready to start investing in a 10X preservation fund?
Begin your journey to a secure future with 10X Investments. Explore our range of retirement products designed to help you grow your wealth and achieve financial success.
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