12 November 2025
What is a glidepath?
Think of a glidepath as a travel plan for your retirement savings. It’s the strategy your retirement fund follows to shift your investments gradually over time, from growth-focused to more stable options as you get closer to retirement.
The aim of the 10X Glidepath - to reduce risk as you age, while still giving your money a chance to grow early on.
Why a does a glidepath matter
The Glidepath is a trustee approved which means that the Trustee Board has the skills and knowledge to create a product curated for the needs of the customer.
When you're younger, your investments are usually more aggressive (like shares or equities). These can grow faster but come at a much higher risk.
As you approach retirement, the glidepath automatically “glides” you into safer investments like bonds or cash, so you’re not hit hard by market dips just before you need your money. It’s all about protecting your nest egg at the right time.
The 10X Glidepath is a smart and safe default option for most members.
How it works
| Age range | Investment focus | Why? |
|---|---|---|
20s - 30s | Mostly growth assets | Long time to retirement = more risk okay |
40s - 50s | Balanced mix | Start adding protection as retirement nears |
60+ | Mostly conservative assets | Less time to recover from losses |
This change happens automatically in many retirement funds. No action is needed from you, unless you want to opt out or adjust it.
Glidepath vs. Do-It-Yourself
| Option | What it means | Best for... |
|---|---|---|
Default Glidepath | The Fund manages your risk over time | Most people—simple and low stress |
DIY/Opt-Out | You choose your own mix | Confident investors who stay active |
Can you change it?
Yes! If you prefer to be more hands-on or your goals have changed (e.g. early retirement), most funds let you opt out of the glidepath and choose your own investment strategy but remember that with more control comes more responsibility. While we do not charge a fee for members to opt-out of the glidepath, we do recommend that you speak to a financial adviser before opting out.
Should you stay on the Glidepath?
Staying on the glidepath is usually a good choice if:
- You want a low-maintenance, well-designed investment plan
- You prefer experts to manage the risk on your behalf
- You’re unsure how to adjust investments as you age
Time to act
- Check your current investment choice.
- See where you are on your fund’s glidepath.
- Talk to your fund or adviser if you’re unsure.
- Consider opting out only if you're comfortable managing your own strategy.
Final thoughts...
A glidepath is the Fund’s way of keeping you on track and automatically adjusts your investments to suit your age and risk level. It’s a smart, set-and-forget strategy that helps you land smoothly in retirement.
How can we 10X Your Future?
Begin your journey to a secure future with 10X Investments. Explore our range of retirement products designed to help you grow your wealth and achieve financial success.