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Your best
retirement with a
10X Living Annuity

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Zero feesZero fees

for six months

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Sign up for a Living Annuity during June and pay zero fees for 6 months!

Sign up this month and pay zero fees for 6 months for your Living Annuity.

Terms and conditions apply

Your retirement, your way with a 10X 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.

The 10X difference: Superior returns, low fees, and up to 100% offshore

  • Superior returns: Our funds have outperformed benchmarks since inception.

  • Low fees: Our fees are uniquely low and transparent.

  • Exceptional service: Our expert team is dedicated to providing you with industry-leading service.

  • Offshore exposure: Invest up to 100% of your savings offshore.

Take control of your retirement with a 10X Living Annuity. Enjoy the peace of mind that comes with knowing your savings are working hard for you.

Retire your way, with confidence.

Living annuities are good
  • Take charge of your retirement savings

  • Flexibility to choose your annual income

  • Retain your capital for your estate

10X Living annuities are better
  • Invest up to 100% offshore

  • A proven track record of superior returns

  • Low and transparent fees

  • Exceptional service and expertise

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.

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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.

Get more years of retirement income with our 10X Your Future Fund

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Investing in the 10X Your Future fund, based on an annual drawdown of 5%.

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. As you can see in the graph, lowering your fees by 2% can add years of income to your retirement - regardless of which investment portfolio you choose. The data presented are for illustrative purposes only.

Build your retirement income plan

Plan your living annuity and calculate a sustainable income that will last you through retirement.

Desired income: R 0 per month

The more you invest, the lower your fee.

With 10X you pay 0% upfront fees, 0% advice fees 0% exit fees.

Find out what your effective annual cost (EAC) will be here.

Calculate my EAC
Investment value10X fee p.a. (no VAT levied on LAs)
First R5 million0.86%
Next R5 million0.57%
Next R10 million0.40%
*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.

Choose the best 10X fund for your Living Annuity


Annualised returns since inception


Portfolio characteristics

Speak to a dedicated consultant

Our team of certified, experienced consultants are ready to equip you with the essential information you need to make informed choices for your future.
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Benefits of the 10X Your Future Fund

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

Go to Funds
No performance data available