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Core Funds Core Fund Range | Sanlam Investments

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Core Fund Range

Find the fund that best suits your investment objectives and start investing today

Our expansive range of Core Funds is carefully selected by top investment experts, and designed to cover the entire spectrum of risk/return profiles. Placing particular emphasis on different time horizons and risk appetites, the Core Funds range offers investment solutions that suit the unique risk and return requirements of every investor. To ensure that you choose a fund that’s best suited to your needs, you need to start by defining your financial goals, analysing your risk tolerance, and determining where you fall on the risk/return scale.

Risk Profile Classification Model

Our expansive range of Core Funds is carefully selected by top investment experts, and designed to cover the entire spectrum of risk profiles. Placing particular emphasis on different time horizons and risk appetites, the Core Funds range offers investment solutions that suit the unique risk and return requirements of every investor. To ensure that you choose an investment fund that’s best suited to your needs, you need to start by defining your financial goals, analysing your risk appetite, and determining where you fall on the risk scale. As an investor your key driving force is achieving your financial goals within a specified time frame, which in turn determines your risk and return needs. With the help of our risk profile classification model, you can find out exactly what your risk appetite is – whether it’s conservative, aggressive or somewhere in between. This in turn will enable you to choose a core investment fund based on your individual risk profile.

Low Risk
High Risk
Conservative
You are very careful and want to protect your capital. Time Horizon: 0-2 years
Cautious
You’d prefer not to take risks, but can be persuaded. Time Horizon: 3-5 years
Moderate
You’re willing to take risks with some of your assets. Time Horizon: 6-7 years
Moderate Aggressive
You understand the long-term risk/return trade-off. Time Horizon: 8-9 years
Aggressive
You're willing to risk more for maximum returns. Time Horizon: 10 years +
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Being a conservative investor means that you may be reluctant to lose any of the money you put away, even if it means making a smaller return on your investments. Your longer-term return should still be a healthy 1% to 2% per annum above inflation.

Sanlam Investment Management Enhanced Yield Fund

You’re looking for slightly better returns than offered by your bank, and you don’t mind some fluctuation in the value of your investment.

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Sanlam Investment Management Active Income Fund

You rely on your investment for a stable income and cannot afford to take on too much risk, but you need some share exposure to keep up with inflation.

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Being a cautious investor means that you’re willing to accept a small amount of risk for a short-term loss on your initial investment. On the flip-side, your longer-term returns should be between 3% and 4% per annum above inflation.

Satrix Low Equity Balanced Index Fund

You’re uncomfortable with large fluctuations in your investment value over the short term, and would therefore prefer a more stable fund.

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Sanlam Investment Management Inflation Plus Fund

Even though you’re a cautious investor, you still want bold results. What you need is an investment fund that can deliver, no matter what happens.

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As a moderate investor, you may be willing to accept a bit more risk in the short-term, followed by probable returns of between 4% and 5% per annum above inflation in the future.

Sanlam Investment Management Balanced Fund

You’re heard it before: when it comes to investing, never put your shares in one basket. Let a professional choose the most promising assets for you.

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As a moderately aggressive investor, you probably believe that risk and reward go hand-in-hand. A higher level of risk on your investment should result in higher returns of about 5% per annum above inflation.

Satrix Balanced Index Fund

You are saving long term and looking for a well-diversified portfolio. You are comfortable with fluctuations in your capital value over the short term.

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If you’re an aggressive investor, you’re here to make as much of a return on your investment as possible, no matter the risk. If you’re comfortable with high short-term risk, for probable long-term returns of 6% to &% per annum above inflation, aggressive investing is for you.

Sanlam Investment Management Top Choice Equity Fund

You’re comfortable with extreme short-term price fluctuations in pursuit of superior long-term performance. Included in SIM’s best investment ideas.

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Satrix Momentum Index Fund

You believe that rising shares tend to continue rising, and falling shares tend to continue falling, and seek to take advantage of these trends.

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Satrix Dividend Plus Index Fund

You are looking to invest in reliable companies that are mature, profitable and stable, in an effort to secure high dividend pay-outs.

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Satrix MSCI World Equity Index Feeder Fund

You’re ready to diversify across countries and want to look beyond South Africa to preserve your wealth. No offshore bank account required.

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Satrix Property Index Fund

You want to invest long-term, but realise that property investment has its disadvantages. Why not diversify across liquid property instruments?

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Sanlam Investment Management General Equity Fund

You are willing to take the bold step towards a share portfolio. Trust our team of professionals to select these companies for you.

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Start now. It’s the smartest thing you’ll do today.

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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 Private Wealth (Pty) Ltd (“SPW”), 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 and 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 in 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 authorised 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 and Standard Chartered Bank is the appointed trustee of the Satrix Managers Scheme.

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