Can I withdraw or transfer my 10X Umbrella Fund?

In terms of the current law, there will be no complications on leaving - at your request, the money will be paid into your bank account or transferred to another fund, typically within 14 business days from the time 10X receives your last contribution or your (fully compliant) instruction form, whichever is the later. Delays may happen if your tax affairs are not in order, as SARS will then not issue a tax directive until you address the matter. National Treasury may introduce some form of compulsory preservation in future, but this would not stop you from transferring to another company's fund.