Stratus Retirement Annuity

When you invest in the Stratus Retirement Annuity, you may choose from a comprehensive range of different investment funds.

For investments in the Sanlam range of funds, the minimum payment is R150 per month if you invest for a term of 15 years or longer, R250 per month if you invest for a term of 10 years or longer but less than 15 years, R400 per month if you invest for a term of 5 years or longer but less than 10 years, or R500 per month for an investment term of less than 5 years. You can also invest a minimum lump sum of R10 000 and if you choose a combination of a lump sum and recurring contributions the minimum lump sum is R2 500.

For investments in the External unit trust funds, the minimum premium is R350 per month if you invest for a term longer than 10 years, or R500 per month for an investment term less than 10 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.

 

• Stratus Retirement Annuity (PDF, 215 kb)
• Stratus Uittree-annuïteit (PDF, 218 kb)

Clicking on any of the funds below will open a new browser with comprehensive fund information.

To find out more information about the Risk level/Asset class, see the table below.

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
Guaranteed Capital Fund	Cash
Bond Fund	Fixed interest
Property Fund	Property
Sanlam Equity Fund	Equity
Multi-Manager Equity Fund	Equity
Managed Options - 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

Sanlam Unit Trust investment funds	Risk level / Asset class
Managed options - Onshore
SIM Managed Conservative Solution	Conservative
SIM Managed Cautious Solution	Cautious
SIM Inflation Plus Fund	Inflation
SIM Managed Moderate Solution	Moderate
SIM Managed Moderately Aggressive Solution	Moderately Aggressive
SIM Balanced Fund	Balanced
SIM Managed Aggressive Solution	Aggressive
SMMI Aggressive Solution	Aggressive
SMMI Cautious Solution	Cautious
SMMI Moderate Aggressive Solution	Moderately Aggressive
SMMI Moderate Solution	Moderate
SMMI Conservative Solution	Conservative
Active building blocks - Onshore
Sanlam Alternative Income Fund	Cash
SIM Money Market Fund	Cash
SIM Active Income Fund	Fixed interest
SIM Financial Fund	Equity
SIM General Equity Fund	Equity
SIM Industrial Fund	Equity
SIM Small Cap Fund	Equity
SIM Top Choice Equity Fund	Equity
SIM Value Fund	Equity
Managed options - Offshore
Sanlam International Defensive Fund of Funds	Conservative
Sanlam International Balanced Fund of Funds	Moderate
Active building blocks - Offshore
Sanlam Global Best Ideas Fund	Equity
Active Building Blocks - International
Sanlam Global Best Ideas Fund ($)	Cash

External unit trust funds
Managed options - Onshore	Risk level/Asset class
Absa Balanced Fund	Medium
Allan Gray Stable Fund	Conservative
Coronation Strategic Income Fund	Conservative
Old Mutual Enhanced Income Fund	Conservative
Allan Gray Optimal Fund	Cautious
Investec Cautious Managed Fund	Cautious
Old Mutual Dynamic Floor Fund	Cautious
Allan Gray Balanced Fund	Moderate
Coronation Optimum Growth Fund	Moderate
Element Flexible Fund	Moderate
Investec Managed Fund	Moderate
Nedgroup Managed Fund	Moderate
Oasis Crescent Balanced Progressive Fund of Funds	Moderate
Coronation Absolute Fund	Moderately Aggressive
Coronation Balanced Plus Fund	Moderately Aggressive
Coronation Balanced Defensive Fund	Cautious
Coronation Capital Plus Fund	Moderate
Element Islamic Balanced Fund	Moderate
Coronation Market Plus Fund	Aggressive
Active building blocks - Onshore
Absa Select Equity Fund	Equity
Investec Absolute Income Fund	Fixed interest
Coronation Property Equity Fund	Property
Allan Gray Equity Fund	Equity
Coronation Equity Fund	Equity
Foord Equity Fund	Equity
Element Earth Equity Fund	Equity
Element Islamic Equity Fund	Equity
Investec Equity Fund	Equity
Nedgroup Investments Rainmaker Fund	Equity
Nedgroup Rainmaker Fund	Equity
Oasis Crescent Equity Fund	Equity
Old Mutual Mining and Resources Fund Class A	Equity
Allan Gray Money Market Fund	Cash
Coronation Money Market Fund	Cash
Coronation Top 20	Equity
Investec Value Fund	Equity
Managed Options-Offshore
Allan Gray Orbis Global Fund of Funds	Moderately Aggressive
Investec Global Balanced Fund	Moderately Aggressive
Active Building Blocks - Offshore
Allan Gray Orbis Global Equity Feeder Fund	Equity
Investec Worldwide Equity Feeder Fund	Equity

Lifetime Investment Option

Lifetime Investment Option is an automatic switching facility that gives you the peace of mind that the investments being held for your benefit in a Stratus Retirement Annuity, or Stratusplan with preservation funds, are being managed effectively at all times.

It gives you the option of choosing an investment strategy when taking out the policy – after which it ensures that the investment is invested in suitable investment funds, depending on your age. Close to retirement, the investment is therefore gradually moved from more volatile investments to more stable ones. These moves take place automatically.

Lifetime Investment Options available

Three programmes are available, two of which make provision for different risk categories. Only one programme can be chosen for each policy.

The three programmes are:

Sanlam Aggressive Lifetime Investment Option	This programme gives you, for longer periods, increased exposure to equity and property investment funds, as well as diversification in investment funds such as bond funds and absolute return funds.
Sanlam Moderate Lifetime Investment Option	The Sanlam Moderate Lifetime Investment Option offers less exposure to equity and offshore investment funds, with a large portion of the investment in the Vesting Bonus Fund.
Absa Lifetime Investment Option (only available for Absa brokers)	For this programme, the combination of investment funds was compiled in conjunction with Absa, according to their own view.

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.

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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