With a bit of determined saving, most of us can realistically achieve our goals. Even the big ones that will forever have a bearing on the way we live our lives. It's for these life goals that Sanlam has designed the Stratus Savings & Investments Range. It's formulated entirely for choice – yours – so that you may have the flexibility of spreading your investments across a range of investment funds.

In simple terms, the Stratus range offers two types of investments: endowment* and retirement annuities**. Behind each lies a range of several local and international funds in which you may choose to invest your premium or contributions, depending on the level of risk you are prepared to entertain.

With Sanlam's investment funds you can choose whether you want to let your money grow in a safer fund that offers capital guarantees or in a more aggressive fund that could offer excellent growth, with the associated volatility.

Achieving your life goals can start with as little as R150 a month or a lump sum of R10 000 or more. And because the Stratus Savings & Investments Range is designed to realise medium to long-term goals, investment terms start at a minimum of 5 years.

The Stratus Savings & Investments range consists of:

Endowments *

Stratus EduFocus
Stratus Endowment
Stratus International Endowment
Stratus International Endowment (£, $, €)
Stratus Guaranteed Investments

Retirement annuities **

Stratus Retirement Annuity
Stratus International Retirement Annuity

Annuities

Stratus Composite Annuity
Stratus Investment Linked Pension
Stratus International Investment Linked Pension

Preservation Funds

Stratus with Preservation Funds

*	An endowment is a saving plan that offers a lump sum of money after a certain agreed period.
**	A retirement annuity is a savings plan towards retirement that pays a lump sum in cash plus a monthly income during your retirement years.