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.
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Invest R100 000 or more in a Cumulus or Nimbus Investment and qualify for an extra 1% allocation to boost your investment. This means you will get a total enhanced allocation of up to 9%, less any negotiated upfront commission. For example, if you invest R1 000 000 you will receive an additional allocation of R90 000. After allowing for upfront commission of 3%, that’s an additional investment of R60 000.
Don’t wait for prospects to improve before entering the market. The Cumulus and Nimbus Investments offer a compelling solution:
This special offer is available for a limited period only, so take action before it’s too late. Contact your Sanlam financial adviser or broker for assistance today.
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.
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.
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.
The minimum contribution for the Sanlam Cumulus 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.
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.