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 R400 per month if you invest for a term longer than 10 years, or R600 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.

  


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 (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
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 Moderate
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
SIM Money Market Fund Cash
SIM Active Income Fund Fixed interest
SIM Financial Fund Equity
SIM General Equity Fund Equity
SIM Top Choice Equity Fund Equity
SIM Value Fund Equity


Managed options - Offshore
Sanlam Global Balanced Fund of Funds Moderate
Sanlam International Cautious Fund of Funds
Conservative


Active building blocks - Offshore
SIM Global Best Ideas Feeder 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
Absa Absolute Fund 
Cautious
Investec Managed Fund Moderate
Investec Opportunity Fund Moderate 
Nedgroup Investments Managed Fund Moderate
Old Mutual Albaraka Balanced FundModerate
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
Foord Balanced FundModerate
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

Investec Property Equity Fund

Property
Allan Gray Equity Fund Equity
Coronation Equity Fund Equity
Foord Equity Fund Equity
Element Islamic Equity Fund Equity
Investec Equity Fund Equity
Nedgroup Investments Rainmaker Fund Equity
Old Mutual Albaraka Equity FundEquity
Old Mutual Mining and Resources Fund Class A Equity
SIM Reg28 Property Equity Fund Equity
Allan Gray Money Market Fund Cash
Coronation Money Market Fund Cash
Coronation Top 20 Fund Equity
Investec Value Fund Equity


Managed Options-Offshore
Allan Gray Orbis Global Fund of Funds Moderately Aggressive
Investec Global Strategic Managed Feeder 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


Sanlam 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: life@sanlam.co.za


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