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6 March 2014
2013 Annual Results Presentation
17 October 2013
UBS SA Financial Service Conference 2013
25 September 2013
Investment case: 2013 Interim Results
05 September 2013
2013 Interim Results Presentation
21 May 2013
Investment Case: 2012 Year - end
07 March 2013
2012 Annual Results Presentation
17-18 October 2012
Sanlam Investors Conference Shriram (Messrs Sundar and DV Ravi)
11 October 2012
UBS SA Financial Service Conference 2012
20 September 2012
Investment Case: 2012 Interim Results
06 September 2012
2012 Interim Results Presentation
Investment Case: 2011 Year - end
08 March 2012
2011 Annual Results Presentation
08 September 2011
2011 Interim Results Presentation
Investment Case: 2010 Year - end
10 March 2011
2010 Annual Results Presentation
A unit trust is an investment vehicle which gives you affordable access to the financial markets without having to buy the assets yourself. When you invest in a unit trust the money is pooled with that of other investors. This pool of money is used to invest in a portfolio of assets such as equities, bonds, cash and property, depending on the objective of the unit trust. The unit trust is divided into units of equal value, which will be allocated to you according to the amount of money you invest and the price of the units on that day.
Each fund has an investment minimum which is disclosed on the minimum disclosure document (also known as fund fact sheet). You can invest a once-off amount (lump-sum), regular monthly amounts or if you are an existing investor, you can make additional investments when it suits you.
The cost associated with each fund is available in the Minimum Disclosure Document (fund fact sheet) so that you can make an informed choice.
The Effective Annual Cost (EAC) is a measurement that aims to standardise cost disclosures across different investment products. It is expressed as an annualised percentage and is made up of four components (investment management charges, advice charges, administration charges and other charges), which are added together. The EAC shows the extent to which the investment return will be reduced by charges over a specified period. The lower the EAC, the more cost-effective an investment is.
A number of Sanlam Unit Trust funds are available. They are categorised based on risk profile to suit investors different investment objectives and timeframes, as well as different levels of tolerance for investment risk. The investment mandate of a specific fund is linked to its risk profile and will determine which assets the fund can invest in.
Available funds can have one of the following investment risk profiles:
CONSERVATIVE: Conservative investments provide modest returns with a high degree of capital security. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with very little exposure to equities. The expected return may be close to inflation. There is therefore a risk that the real value of an investment may reduce over time, after taking fees and taxes into consideration.
CAUTIOUS: Cautious investments provide stable returns with limited risk of capital loss. A typical portfolio will consist primarily of income orientated asset classes such as cash, bonds and property, with limited exposure to equities.
MODERATE: Moderate investments should generate real returns by outperforming inflation over the longer term, but will at times experience short-term negative returns. A typical portfolio is diversified over all major asset classes to provide a balance between risk and return. There is a moderate risk of capital losses in the short-term.
MODERATELY AGGRESSIVE: Moderately aggressive investments can have a fair amount of fluctuations in the short-term returns, in anticipation of higher real returns over the long-term. A typical portfolio is diversified over all major asset classes, with a bias towards equities to create real capital growth over the long term. There is a substantial risk of capital losses in the short-term.
AGGRESSIVE: Aggressive investments aims to maximise real return over the long-term, but may experience severe short-term negative returns. A typical portfolio is diversified over all major asset classes, with a strong bias towards equities in order to significantly outperform inflation over the long-term. There is a significant risk of capital losses in the short-term.
Once you have opened your unit trust fund, register on Sanlam’s Secure Service site to access and manage your portfolio online. Simply go click on Secure Service and follow the easy steps to complete your registration. You will have access to your portfolio information 24/7 at your convenience.
Alternatively, you can contact the Sanlam Collective Investment Client Contact Centre at 0860 100 266 or firstname.lastname@example.org.
Should you have any enquiries or require additional assistance, please contact the Sanlam Collective Investments Client Contact Centre on 0860 100 266 or email@example.com.
The income and capital gains from your unit trust investments are taxable and you need to report it on your income tax return. Sanlam Collective Investments send investors tax certificates annually at the end of May. If a capital gain or loss is incurred, this is reflected on the IT3(c) tax certificate and the investor may be liable for Capital Gains Tax (CGT).
Interest income and dividends are reflected on the IT3(b) tax certificate. Tax on dividends is withheld, while interest income for RSA taxpayers is paid excluding tax. Dividends Tax are withheld at 20% in line with tax legislation. If you qualify for a reduction in the Dividends Tax rate or an exemption, your withholding tax rate will be adjusted upon receipt of the relevant Dividends Tax Form. You can find the form on the Sanlam Collective Investments website at www.sanlaminvestments.com.
Certain non-SA investors may qualify for an exemption from or a reduced rate for withholding tax on interest or may qualify for a reduced rate in dividends tax. In order to qualify for this, please complete the Withholding Tax on Interest Declaration Form (WTI) and/or the Dividends Tax Form (DTD) (RR), available on the Sanlam Collective Investments website at www.sanlaminvestments.com.
Remember to consult your financial planner on how to structure your investments optimally.
Email or fax the completed form to UTinstructions@sanlaminvestmentssupport.com or 0860 724 467