Why Living Annuities are good

Allow you to take charge of your retirement savings

The flexibility to set your annual income

Control your investment strategy

Retain your capital for your estate

Why 10X Living Annuities are better

Our fees are always less than 1% exc. VAT

Superior long-term growth

Highly diversified portfolios

A team of retirement experts to help you

Access to local and offshore investment choices

The 10X Living Annuity

The best life possible, long after you stop working

A living annuity is an excellent way to reinvest your retirement savings. But to make it last your retirement years, you need to minimise fees, maximise returns, and draw a sustainable income. The 10X Living Annuity works hard to cover all bases for you.

Our total fees are less than half the industry average, which means a higher monthly income for longer. The 10X Your Future is geared for the best possible growth to ensure your capital lasts. And our calculator tool helps you find the right income to draw from your savings each month. The 10X Living Annuity is underwritten by Guardrisk Life Limited, a licensed life insurer in terms of the Insurance Act and an authorised financial services provider (FSP No. 76).

Build your personalised retirement plan

Calculate a sustainable income that will last your retirement years.

How old are you?

What are your current retirement savings?

10X Insight

Even as a retiree you are still a long-term investor if investing for longer than 5 years.

Based on an annual drawdown of 5%.
Source: 10X Investments

Low Fees

Our low fees can give you 26 more years of retirement income

In retirement, fees can impact whether your savings last your retirement years or not. The more you pay in fees, the sooner your savings will run out. As you can see in the graph, lowering your fees by 2% can add years of income to your retirement - regardless of which investment portfolio you choose.

Investment Value 10X fee pa (No VAT levied on LAs)
First R5 million 0.86%
Next R5 million 0.57%
Next R10 million 0.40%

*Additional fee may apply to international investment choices


The more you invest, the lower your fee will become.

Find out what your effective annual cost (EAC) will be here.

Calculate my EAC
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 Your Future Portfolio has consistently outperformed the average return of large fund managers.*


The 10X Living Annuity offers six different investment portfolios.

Diversified asset allocation

Global exposure

Lasting income

Book a free no-obligation consultation with one
of our retirement experts.

10X Investments manages over R19bn in assets for industry-leading clients

What our clients say


I retired my old retirement provider- Richard Ball


A modern traditionalist, Lindela Thswete

Watch more client stories

Your Living Annuity questions, answered.

What are the living annuity risks and benefits?

Among the living annuity risks and benefits include that in exchange for the flexibility benefit a l...

How much income will my living annuity pay?

You have the flexibility to choose the annual income your living annuity will pay, between 2.5% and...

What happens to my living annuity when I die?

Any residual investment value is distributed among your beneficiary(ies). Other than any retirement...