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
A proven track record of superior returns
Our fees are always less than 1% excl. VAT
A highly diversified portfolio
Clear, transparent reporting
The 10X Retirement Annuity
More money when it matters most
Retirement annuities 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 as low as possible.
Our calculator will show you 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 your personalised retirement plan
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.
Investment value at retirement
The after-inflation value of a R3,000 monthly contribution for 40 years, earning 6.5% real return pa. Paying the industry's average 3% fee, value is R3.1m. Paying 10X's 1% fee, value is R5m.
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.
|Investment Value||10X fee pa (excl. VAT)|
|First R1 million||0.90%|
|Next R4 million||0.70%|
|Next R5 million||0.50%|
|Above R10 million||0.35%|
We can compare the fees you'd pay or are paying with the industry against what you'd pay with 10X, and project what you'll get out in both cases.Get a free comparison
*Alexander Forbes Global Manager Watch Best Investment View, December 2018
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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 outperformed the average return of large fund managers.*
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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:
Fees are the single most reliable predictor of your investment’s performance. Ours are less than half the industry average.
Trying to pick winning stocks usually fails. By tracking an index, we deliver higher returns than most fund managers.
A diversified portfolio
We invest your money locally and internationally, in a high performing mix of shares, property, bonds and cash.
Life stage investing
We automatically adjust your portfolio according to your investing time horizon, maximising growth and minimising risk.
10X Investments manages over R10bn in assets for industry-leading clients
What our clients say
Chalk and cheese, Carlien Parsons
Whose money is it anyway? Ian Parsons
Your Retirement Annuity questions, answered.
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Your minimum monthly contribution to the 10X Retirement Annuity is R1 000. There is no maximum contr...
When you withdraw from your current retirement fund (either a company fund, retirement annuity or pr...