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.

Risk levels

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.

Stratus & Stratus Premier range of funds	Risk level / fund asset class
Note: The links below open PDF documents.
Managed options - Onshore (mainly RSA)
Absolute Return Fund (CPIX + 3%) *	Conservative
Multi-Manager Absolute Return Fund (CPIX + 3%) *	Conservative
PPS Multi-Manager Inflation + 3%	Conservative
Absolute Return Fund (CPIX + 5%) *	Cautious
1Multi-Manager Absolute Return Fund (CPIX + 5%) *	Cautious
PPS Multi-Manager Inflation + 5%	Cautious
Vesting Bonus Fund	Cautious
2Balanced Fund (Low equity)	Moderate
3Multi-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
4Multi-Manager Balanced Fund (High equity)	Aggressive
PPS Multi-Manager Inflation + 8%	Moderately aggressive
SIM Managed Conservative Solution	Conservative
SIM Managed Cautious Solution	Cautious
SIM Managed Moderate Solution	Moderate
SIM Managed Aggressive Solution	Aggressive
SIM Managed Moderately Aggressive Solution	Moderately aggressive
Active building blocks - Onshore (mainly RSA)
Guaranteed Capital Fund	Cash
PPS Enhanced Cash Fund	Cash
Bond Fund	Fixed interest
Guaranteed Property Fund	Property
Property Fund	Property
Sanlam Equity Fund	Equity
Multi-Manager Equity Fund	Equity
Allan Gray Relative Equity Fund	Equity
Coronation Relative Equity Fund	Equity
Investec Relative Equity Fund	Equity
NUR Equity Fund (managed by Oasis)	Equity
Worldwide (50% South Africa; 50% offshore)
Worldwide Property Fund	Property
Worldwide Balanced Fund	Moderate **
Worldwide Equity Fund	Equity
Managed options - Offshore (100% offshore)
Offshore Hedge Fund	Cautious **
Offshore Balanced Fund	Moderately aggressive **
Offshore Balanced Fund (Retirement Portfolio)	Moderately aggressive **
Active building blocks - Offshore (100% 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	Equity **
Offshore Equity Fund (Retirement Portfolio)	Equity **
Managed options - Offshore (100% foreign currency)
International Hedge Fund	Cautious **
International Balanced Fund	Moderately aggressive **
Active building blocks - Offshore (100% foreign currency)
International Money Market Fund US$	Cash **
International Money Market Fund £	Cash **
International Money Market Fund €	Cash **
International Bond Fund	Fixed interest **
International Property Fund	Property **
International Equity Fund	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.

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

Stratus Premier range of additional investment funds
Existing fund names	New fund names
Note: The links below open PDF documents.
Unit trusts
Fixed interest - Varied specialist
Coronation Strategic Income Fund
Interneuron Multi Manager Income Planner FoF
Investec Absolute Income Fund
Old Mutual Enhanced Income Fund
Fixed interest - Income
SIM Active Income Fund
Property
Coronation Property Equity Fund
Asset allocation - Prudential
Absa Balanced Fund
Allan Gray Balanced Fund
Allan Gray Stable Fund
Coronation Balanced Plus Fund
Interneuron Multi Manager Balanced Growth FoF
Investec Cautious Managed Fund
Investec Managed Fund
Nedgroup Investments Managed Fund
Sanlam Balanced Fund	SIM Balanced Fund
Sanlam Multi Managed Balanced Fund of Funds	SMMI Balanced Funds of Funds
Asset allocation - Flexible
Coronation Optimum Growth Fund
Element Flexible Fund
Asset allocation - Targeted absolute and real return
Allan Gray Optimal Fund
Coronation Absolute Fund
Old Mutual Dynamic Floor Fund
PSG Advance Wealth Preserver FoF
Sanlam Absa Positive Return Fund
Sanlam Defensive Fund of Funds	SMMI Defensive Fund of Funds
SIM Inflation Plus Funds
Equity - General
Absa Select Equity Fund
Allan Gray Equity Fund
Coronation Equity Fund
Foord Equity Fund
Investec Equity Fund
Nedgroup Rainmaker Fund
Oasis Crescent Equity Fund
PSG Alphen Equity Fund of Funds
RMB Equity Fund
Sanlam General Equity Fund	SIM General Equity Fund
Sanlam Multi Managed Equity Fund of Funds	SMMI Equity Funds of Funds
Sanlam Value Fund	SIM Value Fund
SIM Top Choice Equity Fund
Specialist funds
Old Mutual Gold Fund
Old Mutual Mining and Resources Fund
RMB Industrial Fund
Sanlam Financial Fund	SIM Financial Fund
Sanlam Industrial Fund	SIM Industrial Fund
Sanlam Small Cap Fund	SIM Small Cap Fund
Global funds
Nedgroup Investments Global Balanced Fund
Sanlam Global Best Ideas Fund
Sanlam International Defensive Fund of Funds
SIM World Big Blue Chip Fund
Stanlib Multi-Manager International Fund of Funds

Non Stratus investment funds	Risk level / fund asset class
Balanced Fund	Moderate
Fund of Funds	Aggressive
Offshore Equity Fund	Equity
Sanlam Equity Fund	Equity
Stable Bonus Fund	Cautious

Dollar performances   

• International/Offshore 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 investment in which a fund invests,   
  
• how the portfolio is composed from the different types of investments,   
  
• The strategy of the investment manager, and   
  

• If there are any guarantees.

The types of investments in which an investment fund can invest: 

 

• Shares of listed companies. These shares can either be listed on the Johannesburg Stock Exchange or on overseas stock exchanges.   
  
• Property   
  
• Interest-bearing investments, such as government bonds or money market funds.

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?   

• You do not need to get involved in the detailed investment decisions regarding investment classes or timing. The fund manager manages the fund according to certain set mandates and is responsible for achieving the benchmarks.   
  

• Simply choose an investment fund that will make it possible to achieve your investment objectives according to the level of risk you are prepared to take.   

• By leaving the investment decisions to an expert fund manager, you have peace of mind.

Sanlam Investment Management is the fund manager of Sanlam's Investment Funds.

Please note:

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