Stratus Endowment

A lump sum payment at a predetermined date in your future – that's the start to realising whatever your dreams are, whether an overseas trip, additions to your house or paying for a child's wedding. And this is within your reach with a Stratus Endowment investment.


The Stratus Endowment offers the potential to earn exceptional returns on your money. Your investment starts at R250 per month if you invest for a term of 10 years or longer, or R400 per month for an investment term of five to nine years. If you want to invest in one of the external unit trust funds your investment starts at R350 per month for a term 10 years or longer or R500 per month for a term of five to nine years. You can also invest a lump sum of R10 000 to which you may later add further lump sum amounts.

At the end of five years, you can take all or some of the proceeds, or leave your investment to continue growing. What's more, the Stratus Endowment is accessible should you urgently need your money before the investment term ends. Either apply for an interest-free loan, or cash in a portion of your investment! And if you should die before the policy term is complete, Sanlam calculates and pays out the current value of your investment. The Stratus Endowment is also a tax efficient savings vehicle as Sanlam Life pays the tax in the policyholders' fund and when the investment term ends, the proceeds payable are tax-free in your hands.


When you invest in the Stratus Endowment, you can choose from a comprehensive range of investment funds for your money to grow in. You may also spread your investment over more than one fund,


  • to take advantage of every eventuality,
  • to match your own risk profile with the appropriate fund risk level, and
  • to switch from one fund to another as your circumstances change. 

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 (CPIX + 3%)* Conservative
Multi-Manager Absolute Return Fund (CPIX + 3%)* Conservative
Absolute Return Fund (CPIX + 5%)* Cautious
Multi-Manager Absolute Return Fund (CPIX + 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 **

*    Optional guarantee

**    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.




Sanlam Unit Trust Funds Risk level / Asset class

  
Managed options - Onshore  
SIM Balanced Fund Aggressive
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  
Sanlam Alternative Income Fund Cash
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 Balanced Fund of Funds Moderate
Sanlam International Defensive Fund of Funds Conservative
   
Active Building Blocks - Offshore  
Sanlam Global Best Ideas Fund Equity


External unit trust funds
Range of additional investment funds Unit trust class
   
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 Managed Fund Moderate
Oasis Crescent Balanced Progressive Fund of Funds 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 Equity
Element Earth Equity 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
Nedbank Rainmaker Fund Equity
Oasis Crescent Equity Fund Equity
Old Mutual Mining and Resources Fund Class A Equity

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.
 
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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