Why RA'
are good

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

Why 10X RA
are better

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.

How old are you?

What is your pre-tax monthly salary?

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.

Investment value at retirement

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 and trading costs. 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 2020

Our Performance

Download Fact Sheet 300KB
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 outperformed the average return of large fund managers.*

Our Performance

Download Fact Sheet 300KB

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:


Low fees

Fees are the single most reliable predictor of your investment’s performance. Ours are less than half the industry average.

Index tracking

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 R15bn in assets for industry-leading clients

What our clients say


Chalk and cheese, Carlien Parsons


Whose money is it anyway? Ian Parsons

Watch more client stories

Investment Myth

Top fund managers can reliably beat the market.

Bust the myth

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...