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Sanlam Cumulus Investment Plan

Let us add to your investment to help your money grow

The Sanlam Cumulus Investment Plan is an endowment that’s designed to give you the flexibility to choose how and where you want to invest your money. What’s more, with every payment you make, our team of financial experts will allocate an additional percentage – which means your money will grow faster, putting you one step closer to achieving your financial goals.

The Sanlam Cumulus Investment Plan offers excellent estate planning benefits and tax efficiency for individuals with high marginal tax rates. The cost structure is among the lowest in its class, making it an extremely cost-effective savings and investment solution.

How it Works

Learn more about this product.

Benefits

Find out how it can benefit you.

FAQ

Get all the answers to your questions.

Get Advice

Speak to an expert financial adviser.

Benefits

When you choose to invest in the Sanlam Cumulus Investment Plan, our team of financial experts will help your money grow by allocating an additional percentage to each payment that you make.

We allocate an additional:

1%

for monthly payments of R2 500 up to R5 000

2%

for monthly payments of R5 000 and more

5%

for one-off payment investments

The Sanlam Cumulus Investment Plan also provides you with:

  • Protection from volatile equity markets in uncertain times
  • Access to leading market funds
  • Adds up to 2% extra to your monthly investment
  • Tax efficiency for individuals with high marginal tax rates
  • Earn loyalty bonus at certain plan anniversaries, termination or death
  • No alteration charges will apply if you access your funds after two years

Sanlam Reality members on the Reality Plus, Reality Health and Reality Core membership options qualify for a discount of up to 100% on the primary asset management fee of Sanlam Investments’ flagship funds as well as Sanlam Life’s savings products.

How it Works

Sanlam Cumulus Investment Plan gives you access to a range of investment funds to choose from, enabling you to potentially earn exceptional returns on your investment.

  1. Choose from two payment options:
    • Recurring payments: On a monthly basis
    • Single payments: One-off payments
  2. We add an additional percentage to each payment you make, to help your investment grow faster.
  3. We invest the money in the underlying investments that you choose in collaboration with your financial planner.
  4. Your money can grow over time based on your underlying investments and compound interest earned on any growth.
  5. No alteration charges will apply if you access your funds after two years.
  6. Once your initial term is complete, the term remains open-ended. You can apply for regular withdrawals throughout this term.

Frequently Asked Questions

The minimum contribution for the Sanlam Cumulus Echo Investment Plan is R1 000 per month or a R100 000 one-off payment.

You have to invest for a minimum initial term of five years, and the maximum investment age is 89.

You can reduce or stop your monthly payments at any time, without paying an alteration charge.

Our team of financial experts give you access to leading investment funds, which makes it easier to select the funds most appropriate for your needs.

According to current legislation, the returns will not be taxable in your hands.

Fees vary per product and your underlying investment. Please speak to your financial planner to ensure that you pay the correct fees, and understand which fees you pay and why.

The discount percentage is related to your tier status. Speak to a financial planner about Sanlam’s investments and savings products, the asset management fees and the discount amounts you might qualify for. You can also visit the Sanlam Reality webpage to find out more about the benefits you can receive.

Get Advice

It is important to bear in mind that every investment comes with a certain amount of risk. We therefore recommend that you consult with a financial planner to ensure that you invest in the most appropriate products for your needs and circumstances.

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