The retirement you deserve. In your hands.

The 10X Retirement Annuity

General Benefits

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 cash outs

10X Benefits

A proven track record of superior returns

Our fees are always less than 1% exc. VAT

A highly diversified portfolio

Clear & Transparent reporting

More money when it matters most

Contributing to a retirement annuity is a good start, but doesn’t guarantee a successful retirement. Doing these three things will go a long way toward getting you there: save the right amount each month, invest in an appropriate portfolio based on your life stage, and keep your fees as low as possible. Our calculator helps you to understand how much you need to save. That, together with our superior long-term performance, our diversified and age-appropriate portfolio, and our low fees, means you could retire with 60% more money.

Build My Plan
Low Fees

High fees can cost you 40% of your retirement

All 10X funds are index funds. And because index funds don’t need expensive fund managers or the structures needed to support them, we can charge you less than 1% in total fees excl. VAT. The industry average is 3%. Paying that higher fee, compounded over time, means you could end up with 40% less money at retirement.

The after-inflation value of R3,000 contribution per month for 40 years, earning 6.5% real return pa.

Source: 10X Investments

Investment Value 10X Fee pa (ex VAT)
First R1 million 0.90%
Next R4 million 0.70%
Next R5 million 0.50%
Above R10 million 0.35%

Your Personalised Retirement Plan

Unsure of where to start? Or if your current savings have you on track towards your retirement goal? Our calculator has the answers.

Step 1 of 5

How old are you?

10X Insight

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.

Step 2 of 5

Are you male or female?

10X Insight

On average, women live longer than men and therefore require more income to last their retirement years.

Step 3 of 5

What is your pre-tax monthly salary?

10X Insight

Retiring at 65? You will need to have saved 10 times your average annual income.

Step 4 of 5

What percentage of your salary can you save per month?

Percentage of income
OR – Rand amount

10X Insight

We recommend saving at least 15% of your salary for 40 years. Starting late means saving more.

Step 5 of 5

What are your total current retirement savings?

10X Insight

Already have retirement savings? Switching to 10X is win-win. We do all the work –and you end up with more!

Returns are based on R100 lump sum invested on 31 December 2007 to 30 November 2016.

Source: 10X Investments, Alexander Forbes Large Manager Watch.

Superior Returns

Getting you more out of every rand

Our approach delivers superior long-term returns at a fraction of the cost. In fact, since its inception in 2008, the 10X High Equity portfolio has consistently outperformed the average return of large fund managers.*

*Alexander Forbes Large Manager Fund Watch Survey

Our Performance

Download Fact Sheet 234KB

Returns are based on R100 lump sum invested on 31 December 2007 to 30 November 2016.

Source: 10X Investments, Alexander Forbes Large Manager Watch.

Here’s how 10X gets you more money

No matter who you are or how much money you invest with us, we use one, simple investment strategy. No confusing choices, no extra costs. Just four core principles proven to get you more:

Index Tracking

Trying to pick winning stocks usually fails. By tracking the market index, we deliver a higher return than most fund managers.

Low fees

Independent research found that fees are the most reliable predictor of your investment’s performance. At 1% or less before VAT, ours are less than half the industry average.

Diversified Portfolio

With both eyes on long-term growth, we invest your money mainly in local and international shares, as well as a mix of property, bonds and cash.

Life Stage Investing

We automatically adjust your portfolio according to your investing time horizon, maximising growth for as long as possible, then reducing risk as you approach retirement.

Investment Myth

Top fund managers can reliably beat the market.

Bust the myth

10X Investments manages over R8bn in assets for industry-leading clients


Your Retirement Annuity questions, answered.

Who should consider using a retirement annuity?

It’s never too early or too late to start saving for your retirement. A great way to do so is with a...

What is the minimum 10X Retirement Annuity contribution and term?

Your minimum monthly contribution to the 10X Retirement Annuity is R1 000. There is no maximum contr...

How do you transfer to the 10X Retirement Annuity fund?

When you withdraw from your current retirement fund (either a company fund, retirement annuity or pr...

10X provides exceptional service. They made switching over from my old retirement provider easy and seamless, and kept me informed every step of the way.

– Ian Parsons, 10X Client

Secure a better retirement today!