Retirement Outcomes

20 January 2021

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The role of Net Replacement Ratios

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Are you taking care of your future self?
25 September 2020

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Retirement doesn’t have to be a bumpy ride

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Prior to 1880, the practice of retiring from one’s work and living off a pension was quite uncommon – unless you were in the military, where already in Roman times a pension was paid to retired soldiers. The first known move towards retirement on a nationwide scale was in the late 1800s when the German chancellor, Otto Von Bismarck, announced that everyone – except state employees who then already could retire after 40 years of service - would be forced to retire at the age of 70...
25 June 2020

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Can impact investing help transform retirement fund returns and our economy?

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The Covid-19 pandemic is having a profound and lasting impact on the South African economy. Add to that the reality that we entered Covid-19 already in a recession and, on top of that, have been experiencing a persistent low-return environment for the past five years. There is unquestionably a need to revive economic growth in South Africa, AND invigorate returns for retirement fund members to make sure we can leave a legacy for tomorrow.
27 May 2020

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Longevity and sequence risk: stop these from ruining your retirement

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Paul Wilson, CIO of Sanlam Multi Manager, discusses the tools available to retirees to mitigate against longevity and sequence risk eroding retirement savings.
7 March 2018

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Trustees - Help your employees be more tax-wise

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SA Tax - an overview
24 October 2017

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Can alternatives transform retirement fund returns?

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Azola Zuma, Chief Executive for Sanlam Investment Management, debates with us the environment of ‘lower returns for longer’ that investment managers and retirement fund trustees have to face.

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Sanlam Investments consists of the following authorised Financial Services Providers: Sanlam Investment Management (Pty) Ltd (“SIM”), Sanlam Multi Manager International (Pty) Ltd (“SMMI”), Satrix Managers (RF) (Pty) Ltd, Graviton Wealth Management (Pty) Ltd (“GWM”), Graviton Financial Partners (Pty) Ltd (“GFP”), Satrix Investments (Pty) Ltd, Amplify Investment Partners (Pty) Ltd, Sanlam Capital Markets (Pty) Ltd (“SCM”), Sanlam Credit Fund Advisor Proprietary Limited, Sanlam Africa Real Estate Advisor Proprietary Limited and Sanlam Employee Benefits (“SEB”), a division of Sanlam Life Insurance Limited and Simeka Wealth (Pty) Ltd; and has the following approved Management Companies under the Collective Investment Schemes Control Act: Sanlam Collective Investments (RF) (Pty) Ltd (“SCI”) and Satrix Managers (RF) (Pty) Ltd (“Satrix”).

The Sanlam Group is a full member of the Association for Savings and Investment SA. Collective investment schemes are generally medium- to long-term investments. Please note that past performances are not necessarily an accurate determination of future performances, and that the value of investments / units / unit trusts may go down as well as up. A schedule of fees and charges and maximum commissions is available from the Managers, Sanlam Collective Investments (RF) Pty Ltd & Satrix Managers (RF) (Pty) Ltd, a registered and approved Managers in Collective Investment Schemes in Securities. Additional information of the proposed investment, including brochures, application forms and annual or quarterly reports, can be obtained from the Manager, free of charge. Collective investments are traded at ruling prices and can engage in borrowing and scrip lending. Collective investments are calculated on a net asset value basis, which is the total market value of all assets in the portfolio including any income accruals and less any deductible expenses such as audit fees, brokerage and service fees. Actual investment performance of the portfolio and the investor will differ depending on the initial fees applicable, the actual investment date, and the date of reinvestment of income as well as dividend withholding tax. Forward pricing is used. The Manager does not provide any guarantee either with respect to the capital or the return of a portfolio. The performance of the portfolio depends on the underlying assets and variable market factors. Performance is based on NAV to NAV calculations with income reinvestments done on the ex-div date. Lump sum investment performances are quoted. The portfolio may invest in other unit trust portfolios which levy their own fees, and may result is a higher fee structure for our portfolio. All the portfolio options presented are approved collective investment schemes in terms of Collective Investment Schemes Control Act, No 45 of 2002 (“CISCA”). The fund may from time to time invest in foreign instruments which could be accompanied by additional risks as well as potential limitations on the availability of market information. The Manager has the right to close any portfolios to new investors to manage them more efficiently in accordance with their mandates. The portfolio management of all the portfolios is outsourced to financial services providers authorized in terms of the Financial Advisory and Intermediary Services Act, 2002. Standard Bank of South Africa Ltd is the appointed trustee of the Sanlam Collective Investments Scheme & Standard Chartered Bank is the appointed trustee of the Satrix Managers Scheme.