A passionate team, committed to getting you more.

Why we started 10X

To give you more money when it matters most

10X Investments was founded by Steven Nathan with a simple goal: to give South Africans as much money as possible when they retire.

Currently, investing is scary, overwhelming and expensive. There are hundreds of complex and competing investment choices, supported by an army of middle men to “help” people navigate this complexity. The result? Expensive, poorly performing investments that cause people to retire poor. Our simple approach eliminates the need for advisors and removes the need for you to make any investment decisions that can penalise you in the long run. The result? More money for you 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, Head Institutional Business Development (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 CIO 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 Investec and 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.

Our Management Team
Mark Young
Chief Operating Officer

Mark has over 25 years’ experience in financial services. He was recently the Deputy CEO of Bayport Financial Services, running all aspects of the South African lending business and prior to that was the Chief Risk Officer for Old Mutual Finance in South Africa.
He has served as a Trustee and Chairman of the Fairbairn Capital Retirement Funds and a non-executive director of a range of financial services companies.

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.

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.