This product is also available in the Stratus Premier product range. For Stratus Premier Retirement Annuity, the minimum premium is R250 per month if you invest for a term longer than 10 years, or R500 per month for an investment term of five to nine years. The minimum lump sum amount is still R2500. You can choose between all the Stratus investment funds, as well as a range of unit trust funds.

Due to the effects of inflation, most of us will barely survive on our retirement money. Unless we protect both our capital and returns, of course - which is what the Stratus Retirement Annuity can do for you.

Apart from the tax advantages you get on your contributions, portfolio growth and your final pay-out, the Stratus Retirement Annuity also offers a huge number of choices:

• a choice of multiple investment funds
• the flexibility to switch between them at any time
• the flexibility to inject extra sums over and above your monthly contributions or lump sum investment
• of continuing your contributions if you change jobs, and
• a choice of pension plans when your Stratus Retirement Annuity matures.

You may add regular contribution increases to make sure that the value of your retirement provision is not affected by increases in the cost of living. And if you die, the prevailing value of your Stratus Retirement Annuity can be paid directly to your dependants or nominated beneficiaries.

All of this from as little as R150,00 per month if you invest for a term longer than 10 years, or R300 per month for an investment term of five to nine years. You can also invest a minimum lump sum of R2 500!

When you invest in the Stratus Retirement Annuity, you may choose from a comprehensive range of different investment funds. Clicking on any of the funds below will open a new browser with comprehensive fund information.

Stratus & Stratus Premier range of funds	Risk level / Asset class
Rand denominated funds
Managed options - Onshore (mainly RSA)
Absolute Return Fund (CPIX + 3%) *	Conservative
Multi-Manager Absolute Return Fund (CPIX + 3%) *	Conservative
SIM Managed Conservative Solution	Conservative
Absolute Return Fund (CPIX + 5%) *	Cautious
Multi-Manager Absolute Return Fund (CPIX + 5%) *	Cautious
Vesting Bonus Fund	Cautious
SIM Managed Cautious Solution	Cautious
Balanced Fund (Low equity) *	Moderate
Multi-Manager Balanced Fund (Low equity) *	Moderate
SIM Managed Moderate Solution	Moderate
Balanced Fund (Medium equity)	Moderately aggressive
Multi-Manager Balanced Fund (Medium equity)	Moderately aggressive
SIM Managed Moderately Aggressive Solution	Moderately aggressive
Balanced Fund (High equity)	Aggressive
Multi-Manager Balanced Fund (High equity)	Aggressive
SIM Managed Aggressive Solution	Aggressive
Active building blocks - Onshore (mainly RSA)
Guaranteed Capital Fund	Cash
Bond Fund	Fixed interest
Property Fund	Property
Sanlam Equity Fund	Equity
Multi-Manager Equity Fund	Equities

*	Optional guarantee

Stratus Premier only
Range of additional investment funds	Unit trust class
Coronation Strategic Income Fund	Fixed interest - varied specialist
Investec Absolute Income Fund	Fixed interest - varied specialist
Old Mutual Enhanced Income Fund	Fixed interest - varied specialist
Sanlam Income Fund	Fixed interest - income
Coronation Property Equity Fund	Property
Allan Gray Balanced Fund	Asset allocation - prudential
Allan Gray Stable Fund	Asset allocation - prudential
Investec Cautious Managed Fund	Asset allocation - prudential
Investec Managed Fund	Asset allocation - prudential
Nedbank Managed Fund	Asset allocation - prudential
Sanlam Balanced Fund	Asset allocation - prudential
Sanlam Multi Managed Balanced Fund of Funds	Asset allocation - flexible
Coronation Optimum Growth Fund	Asset allocation - flexible
Fraters Flexible Fund	Asset allocation - flexible
Allan Gray Optimal Fund	Asset allocation - targeted absolute and real return
Coronation Absolute Fund	Asset allocation - targeted absolute and real return
Old Mutual Dynamic Floor Fund	Asset allocation - targeted absolute and real return
Sanlam Defensive Fund of Funds	Asset allocation - targeted absolute and real return
Sanlam Inflation Linked Fund	Asset allocation - targeted absolute and real return
Allan Gray Equity Fund	Equity - general
Coronation Equity Fund	Equity - general
Foord Equity Fund	Equity - general
Investec Equity Fund	Equity - general
Nedbank Rainmaker Fund	Equity - general
Oasis Crescent Equity Fund	Equity - general
Sanlam General Equity Fund	Equity - general
Sanlam Multi Managed Equity Fund of Funds	Equity - general
Sanlam Value Fund	Equity - value
Sanlam Financial Fund	Specialist funds
Sanlam Industrial Fund	Specialist funds
Sanlam Small Cap Fund	Specialist funds

Stratus Lifetime Investment Option

Stratus Lifetime Investment Option is an automatic switching facility that gives you the peace of mind that the investments being held for your benefit in a Stratus Retirement Annuity, or Stratus policies with preservation funds, are being managed effectively at all times.

It gives you the option of choosing an investment strategy when taking out the policy – after which it ensures that the investment is invested in suitable investment funds, depending on your risk profile and age. Close to retirement, the investment is therefore gradually moved from more volatile investments to more stable ones. These moves take place automatically.

Lifetime Investment Options available

Three programmes are available, two of which make provision for different risk categories. Only one programme can be chosen for each policy.

The three programmes are:

Sanlam Aggressive Lifetime Investment Option	This programme gives you, for longer periods, increased exposure to equity and offshore investment funds, as well as diversification in investment funds such as offshore hedge funds and absolute return funds.
Sanlam Moderate Lifetime Investment Option	The Sanlam Moderate Lifetime Investment Option offers less exposure to equity and offshore investment funds, with a large portion of the investment in the Vesting Bonus Fund.
Absa Lifetime Investment Option (only available for Absa brokers)	For this programme, the combination of investment funds was compiled in conjunction with Absa, according to their own view.

Know what your investment is worth

Sanlam publishes daily performance reports, indicating fluctuations in the unit prices* of the Stratus investment funds. You may keep track of the value of the investment by multiplying the investment fund price by the number of units Sanlam holds for your benefit.

*	This is a long-term policy in terms of the Long-term Insurance Act, 52 of 1998. These units are not units of a unit trust scheme as defined in the Collective Investment Schemes Control Act, 45 of 2002.

Before you invest, make sure you read the fine print regarding: monthly recurring premiums lump sum investments

Contact details

Sales / Product related information: 0860 223 390
Fax: (021) 947-9864
Information on existing policies: 0860SANLAM / 0860 726 526
Fax: (021) 947-9440
International tel: +27 21 916-5000
International fax: +27 21 947-9864
Email: online.advice@sanlam.co.za

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