Grow your pension & provident savings in a 10X Preservation Fund
Protect and grow your pension or provident fund savings with a 10X Preservation Fund. Enjoy the benefits of our proven superior returns, low fees, and transparent approach.
Retirement investment expectations in a riskier world: your money and the market right now
When to consider a preservation fund
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
Bring multiple pension or preservation funds together into one place.
Switch and save
Still paying 1%+? Lower fees make a real difference over time.
Limited offer
Reduced fees if you apply before 31 May 2026. Locked in for as long as you stay invested.
Speak to a consultantTs&Cs applyWhat is a Preservation Fund?
A Preservation Fund is a retirement savings vehicle designed to help you maintain and grow your accumulated pension or provident fund savings when you change employers before retirement. Unlike a Retirement Annuity, a Preservation Fund is a lump sum investment rather than a monthly contribution. Choosing to preserve your savings is a smart decision, and with 10X, that choice pays off even more.
We're dedicated to helping you make the most of your retirement savings so you can retire comfortably.
Benefits of a Preservation Fund
Retain the tax advantages associated with your retirement savings
Keep your money invested and growing until you retire
Access a portion of your savings in case of emergencies
Maintain control of your pension fund savings
See how your retirement savings could grow over time
Whether you're transferring your pension while changing jobs or consolidating funds from previous employers, our calculator shows what your retirement savings could be worth over time.
Choose between calculating future value or understanding how fees affect your outcome.
Why choose a 10X preservation fund?
Fees below 0.7% (all-in)
Lower fees means more of your money stays invested. Pay a single all-in fee below 0.7% with no platform fees, no adviser fees, and no exit fees.
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.
Diversification
We invest your money locally and internationally in a high performing mix of shares, property, bonds and cash.
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.
Our fees are simple and transparent
Our fees are simple and transparent, so you know exactly what you're getting in your investment. Sign up before 31 May 2026 and pay a single all-in fee below 0.7%, depending on which fund you choose.
No platform fees
No broker or adviser fees
No exit or penalties for changing your investment strategy
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.
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.
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
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.
Leading companies invest with 10X