What is a retirement annuity?
A Retirement Annuity is a tax-efficient investment product designed to help you save toward your retirement. Retirement Annuities are ideal if you don't have access to a company pension or provident fund, or if you want to supplement your existing retirement savings.
With a Retirement Annuity, you can make regular contributions, enjoy tax benefits, and invest in a fund that suits your needs and goals.
Benefits of a retirement annuity
A great way to save if you don't have a company pension fund
Access a portion of your savings in case of emergencies
A tax-efficient way to save toward your retirement
Choose a fund that suits your risk appetite
Why a 10X Retirement Annuity?
Superior returns: The 10X Your Future Fund has outperformed benchmarks since inception
Low fees: Our fees are uniquely low and transparent
Transparency: We believe in empowering you to make informed decisions
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.
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
We have a progressive fee structure, which means the more you invest, the less you pay, the more you save. That is all you pay. No surprises at the end of the month or when you retire.
| Investment value | 10X fee p.a. (incl. VAT) |
|---|---|
| First R1 million | 1.04% |
| Next R4 million | 0.81% |
| Next R5 million | 0.58% |
| Above R10 million | 0.40% |
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.
Choose the best 10X fund for your Retirement Annuity
The following funds are available with a retirement annuity. If you need more information on how to select a fund for your specific needs, you can speak to our consultants.
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.
Based on R100 000 investment at 6% return over 40 years.
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 are here to help via email or phone.Easy switching
We'll fully manage the switch from your old provider.Clear product information
We help you understand which product and fund best suits your needs.10X Consultants
Unlock the power of investing online
If you are ready to invest or switch, head over to our self-help portal and set up your investment within minutes.
Invest nowBenefits of the 10X Your Future Fund
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
Leading companies invest with 10X