Getting the most from your living annuity
What is a Living Annuity?
A Living Annuity is a flexible retirement income solution that puts you in control. It allows you to invest your retirement savings while drawing a regular income, giving you the freedom to choose an income level that suits your needs.
With a Living Annuity, you can choose how your retirement savings are invested. You also have the flexibility to adjust your income withdrawals between 2.5% and 17.5% of your remaining capital. This allows you to adapt your income to your changing needs throughout retirement.
At 10X, we understand that your retirement is unique. That's why we've designed our living annuities to help you maximise your savings and achieve your ideal retirement lifestyle.
Benefits of a Living Annuity?
Invest up to 100% offshore
Flexibility to choose your annual income
Retain your capital for your estate
Why choose a 10X living annuity?
Low fees
Lower fees mean higher returns. Our Living Annuity fee is just 0.87%, reducing above R5m.
Index tracking
Trying to pick winning stocks usually fails. By tracking an index, we deliver higher returns than most fund managers.
Transparency
Track your investment performance and fees anytime through our client portal. Simple, transparent access to your savings.
Offshore
Diversify your investment by investing up to 100% offshore. Protect your savings against rand depreciation.
Get our Living Annuity investment report
Download the living annuity investment report to learn how 10X delivers superior long-term returns at a fraction of the cost for your Living Annuity.
*Trading costs of 0.12%-0.18% p.a. apply depending on the specific fund you choose. For offshore funds a small additional fee applies.
The more you invest, the lower your fee
High fees can significantly reduce your investment growth over time. With our competitive fee structure, total costs, including trading fees. Our progressive fee model means the more you invest, the lower your effective fees, helping you keep more of your returns.
Use our Effective Annual Cost (EAC) calculator to see how fees could impact your investment growth over time.
Calculate my EACLiving annuity calculator
A living annuity allows you to withdraw an income from your retirement savings. You are able to withdraw between 2.5% and 17.5% of your total investment value annually.
Use our calculator to get an estimate of how much monthly income you could receive.
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.
Additionally, we offer offshore investments to help you diversify your portfolio and protect your retirement income.
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.
Speak to an investment consultant
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'll explain our products and funds so you can make the best choice for you. No advice, just the facts.10X Consultants
Choose the best 10X fund for you
The following funds are available with a living annuity. If you need more information on how to select a fund for your specific needs, you can speak to our consultants.
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 living annuity?
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.
Leading companies invest with 10X