Stratus EduFocus

As a parent, you don't need any reminding of the urgency to start planning and saving today for your child's future. The costs of a university degree, an overseas "find-your-feet" trip, a car or deposit on a flat can frighten off anyone, but you know that if you start early enough, you'll cope.

Parents are however increasingly demanding more from education provision policies. Your money simply must work harder for you and your child. It has to be flexible to not only secure the best possible education, but should be extendable to include future risk cover as well.

It should further give you an option of monthly premiums or a lump sum investment – or both - so that you may boost your investment in your child's future when you want to.


You can do all this with Sanlam's Stratus EduFocus, a fully-fledged financial plan for your child.


Benefits


Stratus EduFocus not only offers you excellent growth potential on your investment, but it also starts to build a strong financial foundation for your child's future financial security.


You may invest in a choice of up to ten investment funds, depending on your risk-to-reward tolerance, and you may switch between funds as your risk profile changes. Sanlam's expert fund managers invest according to their mandates and monitor progress daily to safeguard your money and thus your child's future. These are some of the benefits your child will enjoy from as little as R150 per month.


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Investment terms


  • Minimum investment term - 5 years
  • Maximum investment term - 20 years
  • Lump sum investment - minimum R10 000
  • Recurring payment -minimum R150 per month if you invest for 18 years and longer, R200 per month for term 15 – 17 years, R250 per month for term 10 – 14 years and R400 per month for 5 – 9 years.
  • Recurring payment – External Unit Trust Funds - minimum R400 per month if you invest for  10 years or longer and R600 per month for 5 – 9 years.The minimum  lump sum amount is R10 000 and for a combination of a lump sum and recurring contributions the minimum lump sum is R2 500.

  • A combination of lump sum and recurring payments


Optional benefits you may add


  • Premium waiver with future growth at disability
  • Premium waiver without future growth at disability
  • Premium waiver with future growth at death

  • Premium waiver without future growth at death

  • Edufocus brochure   (PDF, 854 kb)

You may choose from any of the following investment funds, some of which you may add guarantees to:

Sanlam range of funds Risk level / Asset class
Managed options - Onshore (mainly RSA)  
Absolute Return Fund (CPI + 3%)* Conservative
Multi-Manager Absolute Return Fund (CPI + 3%)* Conservative
Absolute Return Fund (CPI + 5%)* Cautious
Multi-Manager Absolute Return Fund (CPI + 5%)* Cautious
Vesting Bonus Fund Cautious
Balanced Fund (Low equity) * Moderate
Multi-Manager Balanced Fund (Low equity) * Moderate
Balanced Fund (Medium equity) Moderately aggressive
Multi-Manager Balanced Fund (Medium equity) Moderately aggressive
Balanced Fund (High equity) Aggressive
Multi-Manager Balanced Fund (High equity) 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 100% Equities
Managed options - Offshore (100% offshore)  
Offshore Balanced Fund (Series 2)
Moderately aggressive **
Active building blocks - Offshore  
Offshore Money Market Fund US$ Cash **
Offshore Money Market Fund £ Cash **
Offshore Money Market Fund € Cash **
Offshore Bond Fund Fixed interest **
Offshore Property Fund Property **
Offshore Equity Fund(Series 2)
 Equity **


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Sanlam Unit Trust Funds Risk level / Asset class
Managed options - Onshore  
SIM Balanced Fund Moderate
SIM Inflation Plus Fund Cautious
SIM Managed Aggressive Solution Aggressive
SIM Managed Cautious Solution Cautious
SIM Managed Conservative Solution Conservative
SIM Managed Moderate Solution Moderate
SIM Managed Moderately Aggressive Solution Moderately aggressive
SMMI Conservative Solution Conservative
SMMI Cautious Solution Cautious
SMMI Moderate Solution Moderate
SMMI Moderately Aggressive Solution Moderately aggressive
SMMI Aggressive Solution Aggressive
Active Building Blocks - Onshore  
SIM Active Income Fund Fixed Interest
SIM Financial Fund Equity
SIM General Equity Fund Equity
SIM Industrial Fund Equity
SIM Money Market Fund Cash
SIM Small Cap Fund Equity
SIM Top Choice Equity Fund Equity
SIM Value Fund Equity
Managed Options - Offshore  
Sanlam International Moderate Fund of Funds Moderate
Sanlam International Cautious Fund of Funds Conservative
Active Building Blocks - Offshore  
SIM Global Best Ideas Feeder Fund Equity


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External unit trust funds
Managed Options - Onshore  
Absa Balanced Fund Medium
Allan Gray Balanced Fund Moderate
Allan Gray Optimal Fund Cautious
Allan Gray Stable Fund Conservative
Coronation Absolute Fund Moderately aggressive
Coronation Balanced Plus Fund Moderately aggressive
Coronation Optimum Growth Fund Moderate
Coronation Strategic Income Fund Conservative
Element Flexible Fund Moderate
Investec Cautious Managed Fund Cautious
Investec Managed Fund Moderate
Nedgroup Investments Managed Fund Moderate
Old Mutual Dynamic Floor Fund Cautious
Old Mutual Enhanced Income Fund Conservative
Active Building Blocks - Onshore  
ABSA Select Equity Fund Equity
Allan Gray Equity Fund Equity
Coronation Equity Fund Equity
Coronation Property Equity Fund Property
Coronation Top 20 Fund Equity
Element Islamic Equity Fund Equity
Foord Equity Fund Equity
Investec Absolute Income Fund Fixed interest
Investec Equity Fund Equity
Investec Value Fund Equity
Nedgroup Investments Rainmaker Fund Equity
Old Mutual Mining and Resources Fund Class A Equity

*     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.

Know what your investment is worth


Topaz publishes daily performance reports, indicating fluctuations in the unit prices of the investment funds.


*** 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.

You can request an adviser's help to construct an investment portfolio , to which you may add a premium waiver benefit in the event of your death or disability. This however may require medical underwriting. A Sanlam adviser will take you through the process, step by step. Just click here to request this service.


Before you invest, make sure you read the fine print regarding:



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: Topaz@sanlam.co.za

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