Articles by 10x
How paying 2% more can cost you over 40%
Most retirement products cost around 3% in fees. “Meh,” you say, “3% doesn’t sound so bad.” But paying it can mean you’ll retire with 40% less money.
Reason wins in the active v passive management debate
Although index funds have been around for 40 years in the US (and around 10 years in South Africa), active funds are still the default. But the tide is turning toward index funds in a big way globally as awareness increases. These are some of th...
A chastity belt for your savings
We get it: you struggle to save. And it may not be your fault. According to a scientific study on 15 000 Swedish twins, some people have a lower propensity to save than others due to the genetic component underlying their time preferences and se...
Don’t wait until the well has run dry …
With dam levels at record lows and severe water restrictions in places, few Capetonians could have escaped recent warnings that the pipes would soon run dry. A bit like older people and their money. And despite the ramping up of water restrictio...
Unsettling times but hold tight … we have been here before
Somewhat ironically, each new year immediately launches into the same old news cycle: the WEF meetings at Davos, the State of the Nation (Sona) speech, presentation of the national Budget to Parliament. Those a bit longer in the tooth may feel t...
Betting on active managers doesn’t pay
Billionaire investor Warren Buffett wagered $1 million that an S&P500 stock index fund would outperform a basket of hedge funds over the course of a decade. Buffett had long been a vocal critic of hedge funds (and asset managers in general),...