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A great retirement starts with a great RA

More money when it matters most

Retirement annuities (or RAs) get you saving consistently, and they come with tax benefits. But to give yourself the best chance of retiring comfortably, you should also do these three things: save the right amount each month, invest in a portfolio appropriate to your life stage, and keep your fees low.

Retirement annuity contributions are tax-deductible, subject to the legislated limit, which can lower your taxable income and tax bracket. Any investment growth is tax exempt.

Retirement annuities are good

  • A great way to save if you don’t have a company pension fund

  • A tax efficient way to save for your retirement

  • Helps guard against premature cashouts

10X Retirement annuities are better

  • A proven track record of consistent superior returns

  • We keep fees as low as possible

  • A highly diversified portfolio

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Compare fees and returns

Over the long term, high fees significantly erode your investment growth.

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

Compare the fees you are paying today with what you‘d pay with 10X, and project what you‘ll get out.

High fees can cost you 40% of your retirement

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The after inflation value of a R3,000 monthly contribution over 40 years, with a 6.5% real return per year, paying a fee of 3%, has a value of R3.1m. The same investment paying 1% in fees, has a value of R5m. The data presented are for illustrative purposes only.

Retirement Annuity fees that work for you

When you buy a house or a car, you want to know what you’re paying for. It should be no different when you invest your money. Our fees are simple and transparent, so you know exactly what you’re getting.

  • No upfront fees, no advice fees, no exit fees

  • No penalties for changing your investment strategy

  • No hidden costs

We have a progressive fee structure, which means the more you invest, the less you pay. That is all you pay. No surprises at the end of the month or when you retire.

Investment value10X fee p.a. (incl. VAT)
First R1 million
Next R4 million
Next R5 million
Above R10 million
*Trading costs of 0.12%-0.18% p.a. apply depending on the specific fund you choose. All fees are inclusive of VAT.

Getting you more out of every rand

Download the Retirement Annuity Fact Sheet to learn how 10X delivers superior long-term returns at a fraction of the cost.

Build your own free personalised retirement plan

You don’t have to earn a lot to retire comfortably!

All it takes to reach your retirement goal is to start as early as possible and save the right percentage of your income.

Unsure of how much you need to save? Or if your current savings have you on track toward your retirement goal? Our calculator has the answers.

What % of your pre-tax salary can you save towards retirement per month?

1 %

Choose the best 10X fund for your Retirement Annuity


Annualised returns since inception


Portfolio characteristics

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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

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