What is the annual growth that can be expected on the 10X Retirement Annuity?

When it comes to retirement investments, we all want to know what returns we might achieve. While we can't predict the future, we can help you understand what drives growth in your Retirement Annuity (RA) and what you might reasonably expect over the long term.

Our Investment Approach

Our flagship 10X Your Future Fund aims to deliver returns of inflation plus 5% over the long term. This means that if inflation is running at 6%, we're working to achieve around 11% total return. This approach helps ensure your money grows in real terms, protecting your future purchasing power.

Why do we focus on beating inflation? Because R1 million today won't buy the same lifestyle in 20 years. By targeting returns above inflation, we help protect your future retirement lifestyle.

What Influences Your Returns?

Several key factors affect your RA's growth:

First, there's your investment timeline. Typically, the longer you stay invested, the better your chance of achieving steady returns. This is because time helps smooth out the market's ups and downs.

Then there's your chosen fund's investment strategy. The 10X Your Future Fund, for instance, uses a proven mix of shares, bonds, and other assets to balance growth opportunities with risk management. If you're closer to retirement, we also offer more conservative options that prioritise protecting your savings.

Our low-fee approach plays a crucial role too. By keeping fees down, more of your returns stay invested and compound over time – this can make a significant difference to your final retirement savings.

Understanding Past Performance

Looking at historical returns can provide context, though they don't guarantee future results. For example, the 10X Your Future Fund has delivered an annual return of 11% before inflation over the five years to September 2024. However, it's important to understand that returns vary year by year – some years may see higher returns, others lower.

Making It Work for You

The key to successful retirement investing isn't trying to predict exact returns, but rather:

• Staying invested for the long term
• Choosing an appropriate investment strategy for your age
• Consistently contributing to your RA
• Understanding that markets move in cycles

Our investment consultants can help you understand how these factors apply to your specific situation and retirement goals.