If you invest with Sanlam or if you take out a risk cover policy, you choose an investment fund for the investment portion of your premium to grow in. This also applies if you continue an endowment policy after the expiry date in Stratus or buy a Sanlam Traded Policy.

Risk levels

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

*  Optional guarantees
** Risk level / asset class indicated in terms of the currency in which the
     investments are made. In rand terms, the risk level is increased because of
     exchange rate fluctuations.

¹ Previously known as the Multi-Manager Absolute Return Fund
² Previously known as the Balanced Fund
³ Previously known as the Multi-Manager Balanced Fund
⁴ Previously known as the Fund of Funds

Non Stratus investment funds	Risk level / fund asset class
Balanced Fund	Moderate
Fund of Funds	Aggressive
Offshore Equity Fund	Equity
Sanlam Equity Fund	Equity
Stable Bonus Fund	Cautious

Dollar performances

• International/Offshore funds

How do you decide which investment fund is best for you?

You should feel comfortable with the fund's level of risk. This is influenced by several factors, including:

• the types of investment in which a fund invests,
• how the portfolio is composed from the different types of investments,
• The strategy of the investment manager, and
• If there are any guarantees.

The types of investments in which an investment fund can invest:

• Shares of listed companies. These shares can either be listed on the Johannesburg Stock Exchange or on overseas stock exchanges.
• Property
• Interest-bearing investments, such as government bonds or money market funds.

The composition of the portfolio plays a role in an investment fund's risk level:

A fund that invests a larger portion in shares will carry more risk than one investing a greater portion in cash.

All Sanlam's investment funds are managed funds

What is a Managed Fund?

This is a fund where all the investors' and policyholders' premiums are pooled and then invested on their behalf by the fund manager. The fund manager makes all the investment decisions. The fund usually invests in different types of investments that include shares, property, government bonds and other interest-bearing investments.  The proportion of different types of investment in a fund will depend on the mandate of the fund. A higher risk fund that is aggressively managed to pursue high returns, might invest a greater proportion in shares, while a fund that aims for stable growth will include a greater proportion of property and government bonds.  The amount available after charges and risk cover premiums have been deducted, is invested in the investment fund of your choice.

What are the advantages of Managed Funds?

• You do not need to get involved in the detailed investment decisions regarding investment classes or timing. The fund manager manages the fund according to certain set mandates and is responsible for achieving the benchmarks.
• Simply choose an investment fund that will make it possible to achieve your investment objectives according to the level of risk you are prepared to take.
• By leaving the investment decisions to an expert fund manager, you have peace of mind.

Sanlam Investment Management is the fund manager of Sanlam's Investment Funds.

Please note:

PDF documents are viewable using the Adobe® Acrobat Reader.
You can download Acrobat Reader free of charge directly from Adobe (All platforms).