A passionate team, committed to getting you more.

Our Purpose

We want to get people more money when they retire.

Yes, every investment company can say this. But their sincerity is questionable. And their failure is visible: only 6% of South Africans can retire comfortably. Sure, that’s partly because of individual behaviour (people not saving enough, or cashing out their savings), but it’s mainly because of the industry’s behaviour. Institutions charge too much for products that deliver too little.

They make a lot of money off their customers, and not enough for them. We aim to change that. But this isn’t just a lofty moral imperative. We have a method, which we have tested, which we know works and would have worked over any and every period in the last 100 years. We know that if you invest with us, you will have more money when it matters most.

Our team of experts

Experienced. Accomplished. Awarded.

Our investment team brings decades of industry experience in driving our investment approach.

Steven Nathan
Founder, Chief Executive (BCom, BAcc, CA (SA), CFA)

As the former Managing Director of Deutsche Bank in Johannesburg and London, Steven spent more than 10 years in equity research and corporate finance. He was consistently the top-rated Banks and Life Insurance analyst in South Africa, and was also voted best overall analyst in SA and EMEA (Emerging Europe, Middle East and Africa). During his time as Head of Research, the Deutsche Bank team was consistently rated number one.

Tracy Jensen
Tracy Jensen, Chief Operating Officer (MSc, FIA)

Prior to joining 10X, Tracy worked at Investec Asset Management in market risk and quantitative analysis, monitoring the performance and market risk of Investec’s hedge funds, fixed income funds, balanced funds, and price fixed income derivatives. 10X’s investment strategy is constructed based on assets-liability models developed by Tracy, which are designed to maximise a member’s chance of success.

Stephan Hartzenberg
Product Architect (B.Bus.Sci, M.Com)

Stephan began his career as an associate at RidgeCape Capital, a boutique multi-asset brokerage where he was responsible for research as well as pricing and trading institutional fixed income, equity and currency derivative flow.

Chris Veegh
Financial Correspondent (Bcom, BAcc, CA (SA), CFA)

As the Financial Correspondent of 10X, Chris comes with a wealth of experience. He has held many prestigious positions throughout his 26 year career, including the Director of Investment Strategy at Deutsche Bank. Chris’s expertise has been well recognised within the industry, where he has been rated Number one in Innovative Research by the Financial Mail, number one in Electronics & IT by Reuters, and number one in Electronics & Information Technology by The Financial Mail in his role as an equity analyst

Christopher Eddy
Senior Investment Analyst (B.Bus.Sci, M.Com)

Prior to joining 10X, Chris worked as an investment analyst for a family office. He was involved in developing and implementing a global asset allocation framework and responsible for monitoring portfolio risk and performance.

Blessing Munyebvu
Investment Implementation Analyst (B.BUS.SCI, M.COM)

Prior to joining 10X, Blessing worked as an analyst in institutional operations at Allan Gray where he was responsible for monitoring portfolio risk and performance of Allan Gray’s Institutional funds. He had previously held positions within Product Development and Investment Consultancy.

Our Management Team
Emma Heap
Head of Retail

Emma has over 7 years’ experience working on the executive teams of leading technology companies. She held management positions across the UK, Germany and South Africa at Groupon, before becoming the Managing Director at Foodpanda Singapore, Singapore's largest food delivery marketplace.

Declan Hollywood
Head of Digital and Marketing

Declan has over 8 years’ experience working on the executive teams of leading technology companies and start-ups. He was previously an industry manager at Google South Africa, before becoming the Chief Marketing Officer at takealot.com - South Africa’s largest online retailer.

Manti Motsoari
Financial Manager

Manti has 5 years professional experience. After completing her articles at PWC South Africa, she worked as a senior associate at PWC Belgium and then as a Financial Manager at RMB’s Financial Services division.

Micha Katz
Chief Technology Officer

Micha has more than 17 years local and international experience in information technology. He has worked in a variety of environments including technology start-ups and multi-national companies. In his former job, as head of IT at the Western Cape Clothing Bargaining Council, Micha managed the technology requirements of the Union’s umbrella provident fund (with over 75 000 members).

Sohini Castille
Head of Employee Benefits Consulting

Sohini has ten years’ experience in Employee Benefits Consulting. Prior to joining 10X, she worked at Alexander Forbes in the Umbrella Funds Consulting division. She is a licenced FAIS representative who has completed the RE: 5 regulatory exam. Sohini manages 10X’s team of dedicated employee benefit consultants.

Jayesh Narsai
Head of Employee Benefits

Jayesh has 18 years’ experience spanning all aspects of employee benefits including administration, member engagement and consulting. Before joining 10X, Jayesh was Head of Consulting for NMG Employee Benefits, where he managed 45 Employee Benefits consultants across South Africa.