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Saving

Imagine if you could learn the secret to growing your savings from yourself.

46% of South Africans between the age of 20 and 50 have no savings at all. So a good question to ask yourself is if you’ve saved enough for the important things in life, like your child’s education. And if so, how?

The secret to ‘adulting’ isn’t as hard as 20-year-old you might have thought - it’s as simple as putting your money in the right place, at the right time. Sanlam’s Tax-free and Cumulus Investment options will help you to grow your money so you can achieve the future you have always envisioned for yourself.

 

How it works
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Sanlam Cumulus Investment Plan

Watch your money grow every time you add to your investment.

The Sanlam Cumulus Investment Plan is designed to give you the flexibility to choose how and where you want to invest your money over the long-term. What’s more, our team of financial experts will help your money go even further by allocating an additional percentage to each payment that you make.

How it works

Your financial planner will help you choose from a range of leading investment funds, with the potential to earn great returns on your investment and compound interest earned on growth. You can choose to make recurring payments on a monthly basis, or single once-off payments.

How much does it cost?

Fees may vary according to the product and underlying investment. It’s best to speak with your financial planner to ensure that you pay the correct fees and understand what you’re paying for, and why.

The minimum contribution for this specific plan is R1 000 per month or a R100 000 once-off payment. Current legislation states that returns on your investment will not be taxable in your hands.

Benefits

  • Receive an additional percentage allocated to each payment made
  • Protection from volatile equity markets
  • Access to leading investment funds, with up to 2% extra earned on your monthly investment
  • Tax efficiency for individuals with high marginal tax rates
  • No alteration charges if you access your fund after two years
  • Discounts for Sanlam Reality members

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Sanlam Tax-free Investments

Pay as little as R350 per month without having to pay tax on the growth of your investment.

We all have long-term goals, but getting your money to reach its full potential isn’t a walk in the park, especially when you can’t afford to put away too much every month. This is where you could really benefit from investing in a tax-free savings account (your 65-year old self will thank you for it).

How it works

Tax-free investments let you contribute a maximum R33 000 a year or a lifetime contribution limit of R500 000, without having to pay tax on interest, dividends or capital gains.

Benefits

  • Your money grows faster in a tax-free savings account, compared to a regular savings account
  • The longer you invest, the higher the return on your investment and the more you save on tax
  • Your investment will benefit from compound interest
  • You don’t have to commit to any future contributions
  • While it’s best to invest long-term, you can withdraw from your investment at any time

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Save on tax-free savings and investments

Sanlam Reality is the loyalty programme that rewards you for looking after your money with discounts on wealth, health and lifestyle. If you take savings products and invest in any Sanlam Investment flagship funds, you could qualify for a discount of up to 100% on asset management fees - the amount charged by investment managers for managing your investment. Join today to discover how Sanlam Reality can work for you.

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Building wealth starts with a plan

You don’t have to be rich to start saving. Financially successful people come from all walks of life - from the property developer to the customer service rep - but they all share something in common. And that’s understanding where you’re at now, where you want to go, and committing to your goals as early as possible.

Use our Needs Assessment Tool to find out how you can build and protect your wealth.

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