Sanlam Cumulus Investment Plan

We help your money grow faster by adding to your investment.

We help you make the most of your money and keep you motivated by adding to your investment and rewarding you with a loyalty bonus if you stay committed.

Minimum contribution

R1 000 per month or
R100 000 one-off payment

How long you invest for

A minimum initial term of five years. The maximum investment age is 89.

Freedom to move your money

You have limited access to your money over the initial term.


You can reduce or stop monthly payments without paying an alteration charge.

Your investment choices

Access to the leading investment funds, which makes it easier to select the funds most appropriate for your needs.


  • We help your money grow faster by allocating an additional percentage to each payment that you make to your investment:
    • For monthly payments between R2 500 and up to R5 000 we allocate an additional 1%
    • For monthly payments of R5 000 and more we allocate an additional 2%
    • For one-off payment investments, we allocate an additional 5%.
  • You can make your own investment decisions
  • You can make multiple withdrawals after the initial term
  • Low reduction in yield, which makes it very cost-efficient
  • Protection from volatile equity markets in uncertain times
  • Sanlam Life offers a loyalty bonus at certain plan anniversaries, termination or death

How it works

  • You have two payment options to choose from. The first one is recurring payments, where you make payments on a monthly basis, and the second one is single payments, where you make one-off payments.
  • We add an additional percentage to each payment to make your investment grow faster
  • We invest the money in the underlying investments that you choose in collaboration with your financial planner
  • Your money can grow over time based on your underlying investments and compound interest earned on any growth
  • Once your initial term is complete, the term remains open-ended. You can apply for regular withdrawals throughout this term.


According to current legislation, the returns will not be taxable in your hands.


Fees vary per product and your underlying investment. Please speak to your financial planner to make sure you pay the correct fees and that you understand which fees you pay and why.

Why get financial advice

It is important to bear in mind that any investment has some risk. We therefore recommend that you consult a financial planner who can help you find the most appropriate products for your needs and circumstances.

Sanlam Reality members on the Reality Plus, Reality Health and Reality Core membership options now qualify for a discount of up to 100% on the primary asset management fee of Sanlam Investments’ flagship funds as well as Sanlam Life’s savings products. The discount percentage is related to your tier status. Speak to an adviser about Sanlam’s investments and savings products, the asset management fees and the discount amounts you might qualify for. You can also visit the Sanlam Reality webpage to find out more about the benefits you can receive.