Build your retirement savings with a 10X Retirement Annuity
With a 10X Retirement Annuity, more of your money goes to work for you. Just imagine the retirement lifestyle you could enjoy with a bigger nest egg - more time for family, travel, or finally taking up that hobby.
Why choose a retirement annuity?
A Retirement Annuity is a tax-efficient way to save for retirement. Make regular contributions, enjoy tax benefits, and invest in a fund that suits your needs and goals.
Reduce your tax contributions
Claim tax deductions on your contributions and pay less tax to SARS. Learn more
Tax-free investment growth
No tax on interest, dividends, or capital gains.
Access from 55
Your savings stay invested until retirement, with limited annual access before then.
Lower tax rates when you retire
After retirement, your withdrawals may be taxed at a lower rate than during your working years.
Why our clients choose us
A Retirement Annuity is a tax-efficient investment product designed to help you save for retirement.
Estimated annual fee:
0.88%Fees that work for you
Fees can impact whether your savings last your retirement years or not. At 10X, we aim to keep fees as low as possible.
Investing for growth
We offer a range of index-based funds, including multi-asset and offshore funds.
View funds
Direct investingRetirement without the middleman
Invest directly with us, using simple tools and clear guidance that keep you in control.
Service that puts you first
Our friendly, expert team cares about your future. We're here to help you make confident, informed choices and support you into retirement.
Get our Retirement Annuity investment report
Download the Regulation 28 investment report to learn how 10X delivers superior long-term returns at a fraction of the cost for your Retirement Annuity.
*Trading costs of 0.12%-0.18% p.a. apply depending on the specific fund you choose.
Retirement annuity fees that work for you
When you buy a house or a car, you want to know what you're paying for. It should be no different when you invest your money. Our fees are simple and transparent, so you know exactly what you’re getting in your investment.
No upfront fees, no advice fees and no exit fees
No penalties for changing your investment strategy
No hidden costs
Build your own free personalised retirement plan
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 contribute the right percentage of your income to your retirement savings.
Unsure of how much you need to save? Or if your current savings have you on track toward your retirement goal? Use our calculator to get an idea of how much you would need and if you are on the right track.
9 out of 10 people do better with 10X
Over the long term, high fees significantly decrease your retirement annuity savings.
Low returns and high fees can significantly reduce your retirement savings. At 10X, we keep your fees low and our 10X Your Future Fund consistently outperforms benchmarks.
Validate whether you could do better with 10X. Our free comparison report breaks down historical performance and fees, so you can make an informed decision.
Tax benefits of a retirement annuity
Reduce your tax while securing your retirement. Use our tax calculator to see the impact it could have on your savings and tax benefit.
Reduce the your taxable income the more you contribute - up to 27.5%
Your investment grows completely tax-free - no tax on interest, dividends, or capital gains
Access up to one-third as a tax-efficient lump sum at retirement
Choose the best 10X fund for you
The following funds are available with a retirement annuity. Need help choosing a fund? Use our Fund selection tool
Need help finding the right fund?
Use our fund selection tool to see what fund is best for your needs
Speak to an investment consultant
Speak to an investment consultant
Real assistance by real people
No chatbots, call centres or weeks waiting for a response. Our team is here to help via email or phone.Easy switching
We'll fully manage the switch from your old provider.Clear product information
We'll explain our products and funds so you can make the best choice for you. No advice, just the facts.
10X Your Future with superior returns
This fund consistently outperforms other leading fund managers, so it's not surprising that most 10X investors choose this fund to help them reach their long-term goals.
Benefits of the 10X Future Fund
Local and international investment
Diversified
Low fees
Ready to start investing in a 10X retirement annuity?
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.
Leading companies invest with 10X