Monthly Fund values
If you invest with Sanlam or if you take out a risk cover policy, you choose an investment fund for the investment portion of your premium to grow in. This also applies if you continue an endowment policy after the expiry date in Stratus or buy a Sanlam Traded Policy.
With Sanlam's investment funds you can choose whether you want to let your money grow in a safer fund that offers guarantees or in a more aggressive fund that could offer excellent growth.
* 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.
1 Previously known as the Multi-Manager Absolute Return Fund
2 Previously known as the Balanced Fund
3 Previously known as the Multi-Manager Balanced Fund
4 Previously known as the Fund of Funds
How do you decide which investment fund is best for you?
You should feel comfortable with the fund's level of risk. This is influenced by several factors, including:
The types of investments in which an investment fund can invest:
The composition of the portfolio plays a role in an investment fund's risk level:
A fund that invests a larger portion in shares will carry more risk than one investing a greater portion in cash.
All Sanlam's investment funds are managed funds
What is a Managed Fund?
This is a fund where all the investors' and policyholders' premiums are pooled and then invested on their behalf by the fund manager. The fund manager makes all the investment decisions. The fund usually invests in different types of investments that include shares, property, government bonds and other interest-bearing investments. The proportion of different types of investment in a fund will depend on the mandate of the fund. A higher risk fund that is aggressively managed to pursue high returns, might invest a greater proportion in shares, while a fund that aims for stable growth will include a greater proportion of property and government bonds. The amount available after charges and risk cover premiums have been deducted, is invested in the investment fund of your choice.
What are the advantages of Managed Funds?
Sanlam Investment Management is the fund manager of Sanlam's Investment Funds.
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