Evolutionary Awards 2025 – 10X: evolution in improving individual & member outcomes

Category: Evolution in improving individual & member outcomes

Describe your evolution:

10X Investments: Transforming Retirement for South Africans

Established in 2008, the original mission of 10X Investments was bold yet simple: “to help South Africans secure their financial future wealth, one smart investment at a time.” Rooted in a philosophy of disruption, the company aimed to cut through the complexity, high costs, and opacity of traditional investing.

At the heart of 10X’s offering lies its transparent, low-cost structure: no upfront fees, no advice or exit fees, and zero hidden costs. Our investment offering is underpinned by index-based solutions which when combined with our low fees helps clients accumulate more investment returns. The math is compelling studies show paying 2% more in fees can erode over 40% of your savings over 40 years. Our commitment to keep fees lower helps our investors better their outcomes. Because we keep fees transparent – no hidden costs – our investors can make fully informed decisions about their investments.

A compelling and consistent investment strategy that performs

In a world where picking winners is the norm – a strategy that often underperforms – we instead opt for an index-tracking philosophy, known to deliver superior returns over time.  Over a decade, 10X’s annualised returns hovered around 11.2%, surpassing the average large manager by roughly 0.8% and that’s before fees. This difference becomes significant when compounded over decades, truly shaping retirements. 

Beyond investment performance, 10X has dramatically expanded its footprint in recent years. We now look after over R65 billion in assets (increased from R20 billion in 2020) which means thousands more South Africans are getting more money when they need it most – during their retirement. This rising market influence stems from a robust, scalable investment engine and best-in-class digital infrastructure. 

Exceptional digital support

10X doesn’t just invest money; it invests in clarity. Our platforms use simple, relatable language and we always aim to break down financial jargon, so that clients truly understand their investment journey. Our intuitive online investment platform, the My10X portal, provides our clients with easy access to their investment information and simplified methods to understand the status of their wealth.

Providing clients with 24/7 access to their investments and with a simple sign-on process, it is a straightforward interface, easily navigable and allows investors absolute control over their investments. This ease of access empowers users to track progress toward retirement goals, adjust their investment strategy in real time, and get personalised saving tips. By providing a gamified aspect to our portal, our clients are more engaged in how the positive changes they make affect the future of their own financial health.

Our user calculators and tools make it easy for the investor to understand their selected portfolio/s and map out their goals. We also aim to provide our clients with information that educates them about saving and investing.

Hosted by an exceptionally skilled investments team, our webinars are not only educational they are also simple to understand. Providing investors with data at their fingertips is core to our business operations.  

Human-centric at heart

 Despite being tech‑driven, 10X places people at the centre. We promise “no chatbots, no call‑centre delays,” and instead offer real, knowledgeable investment consultants to guide clients when they need help.  Our client testimonials reflect this dedication:

• “I experienced very high‑level people… exceeded my expectations…” — Robert
• “The service and communication… is excellent and I am extremely satisfied.” — Patrick

Hello Peter discussions reinforce the consistent sentiment: “very happy with my results and low fees so far”; “user‑friendly interface and fast communication…”  Even where complaints appear, many acknowledge growth and good performance despite temporary glitches.

Our staff speak many African languages, and our 2 pot communications were produced in English, isiXhosa and Afrikaans. This ease of use has proved especially valuable in South Africa’s diverse linguistic landscape. Through partnerships with Jem, Strove, Benefit Counselling and Bank Zero we have also added in some optional value-added services this year.

Putting It All Together: Why 10X Truly Makes a Difference

• Mission-Driven Foundation: Born to simplify and democratise investing, focused on real outcomes for real people.
• Low Fees + Index Tracking = More Growth: Keeping costs under control ensures compounding works in the client’s favour.
• Data-Backed Market Leadership: Rapid inflows and AuM growth demonstrate tangible trust and performance.
• Clear, Inclusive Tech: An engaging, easy-to-understand digital interface empowers savers across backgrounds.
• Warm, Effective Support: Combining digital efficiency with responsive, personal service reinforces client trust and satisfaction.

Conclusion

10X Investments isn’t just another fund manager – it’s a movement. We’re committed to providing investors accessible, low-cost, high-performing index investing and placing people at the core through both technology and service, 10X has enhanced retirement outcomes for thousands of South Africans. Whether it’s delivering the best retirement outcomes, offering transparent fees or simplifying investment journeys with real human support, 10X is redefining what retirement should feel – and look – like in South Africa. We believe this is true evolution.

Describe the impact your evolution has had in response to its identified challenges and targeted outcomes.

• Our core ethos is to deliver simple products with low fees and exceptional customer service.
• Due to our considerable dedication to deliver low-costs investments that work we have helped increase the percentage of investments going into index-racking products in South Africa to catch up with the global norm.
• We have helped over 60 000 South Africans have more money when they need it most – at their retirement.
• We aim to outperform our outlined benchmark of CPI + 5.5% growth in the flagship 10X Your Future fund every year.
• Our message is consistent, saving in fees means better returns at retirement: saving just 0.50% in fees helps our clients gain over 20% at retirement.
• We have outperformed the market in every 5-year rolling period since inception.
• Our 2-pot withdrawals process is fully automated with payments taking place in 3 days where a member has a financial emergency.
• Engaging on social media to raise general awareness of saving for retirement with retirement tips and warnings on the pitfalls.
• We have a 99 % hit rate on our contribution SLAs.
• 92% of queries are answered by the same administrator.
• 50% of all queries are answered in the first hour.

Supporting Documentation >