Your best retirement with a 10X Living Annuity
Retire your way with a 10X Living Annuity. Enjoy superior returns, low fees, exceptional service, and up to 100% offshore exposure.
Why choose a living annuity?
A living annuity helps you stay financially independent in retirement. You choose how your money is invested, how much income you withdraw each year, and how to adapt your plan as life changes.
Flexible income
Adjust your drawdown annually to match your needs.
Stay invested for growth
Your money remains invested, with the potential to grow over time.
Leave a legacy for your family
Any remaining balance goes to your chosen beneficiaries.
Invest locally or offshore
No Regulation 28 restrictions, invest up to 100% offshore.
Why our clients choose us
A living annuity gives you flexible income in retirement, drawn from your invested savings.
Estimated annual fee:
0.86%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
Funds100% Offshore
Investing offshore doesn't have to be complicated. With 10X, you can allocate up to 100% offshore.
Retirement without the middleman
Invest directly with us, using simple tools and clear guidance that keep you in control.
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
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 living annuity. 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
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