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As a parent, you don't need any reminding of the urgency to start planning and saving today for your child's future. The costs of a university degree, an overseas "find-your-feet" trip, a car or deposit on a flat can frighten off anyone, but you know that if you start early enough, you'll cope.

Parents are however increasingly demanding more from education provision policies. Your money simply must work harder for you and your child. It has to be flexible to not only secure the best possible education, but should be extendable to include future risk cover as well.

It should further give you an option of monthly premiums or a lump sum investment – or both - so that you may boost your investment in your child's future when you want to.

You can do all this with Sanlam's Stratus EduFocus, a fully-fledged financial plan for your child.

Benefits

Stratus EduFocus not only offers you excellent growth potential on your investment, but it also starts to build a strong financial foundation for your child's future financial security.

You may invest in a choice of up to ten investment funds, depending on your risk-to-reward tolerance, and you may switch between funds as your risk profile changes. Sanlam's expert fund managers invest according to their mandates and monitor progress daily to safeguard your money and thus your child's future. These are some of the benefits your child will enjoy from as little as R250 per month.

Investment terms

• Minimum investment term - 5 years
• Maximum investment term - 20 years
• Lump sum investment - minimum R10 000
• Recurring payment - minimum R250 per month if you invest for 10 years or longer , otherwise R400 per month

• A combination of lump sum and recurring payments

Optional benefits you may add

• Premium waiver with future growth at disability
• Premium waiver without future growth at disability
• Premium waiver with future growth at death

• Premium waiver without future growth at death

• Edufocus brochure   (PDF, 854 kb)
  

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
SIM Managed Conservative Solution	Conservative
Absolute Return Fund (CPIX + 5%)*	Cautious
Multi-Manager Absolute Return Fund (CPIX + 5%)*	Cautious
Vesting Bonus Fund	Cautious
SIM Managed Cautious Solution	Cautious
Balanced Fund (Low equity) *	Moderate
Multi-Manager Balanced Fund (Low equity) *	Moderate
SIM Managed Moderate Solution	Moderate
Balanced Fund (Medium equity)	Moderately aggressive
Multi-Manager Balanced Fund (Medium equity)	Moderately aggressive
SIM Managed Moderately Aggressive Solution	Moderately aggressive
Balanced Fund (High equity)	Aggressive
Multi-Manager Balanced Fund (High equity)	Aggressive
SIM Managed Aggressive Solution	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 Hedge Fund	Cautious **
Offshore Balanced Fund	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	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.

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.

You can request an adviser's help to construct an investment portfolio , to which you may add a premium waiver benefit in the event of your death or disability. This however may require medical underwriting. A Sanlam adviser will take you through the process, step by step. Just click here to request this service.

Before you invest, make sure you read the fine print regarding:

• monthly recurring premiums
• lump sum investments
  

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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