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Sanlam Investment Management
Balanced Fund

You’ve heard it before: when it comes to investing, never put your shares in one basket. But how do you choose between different shares, listed properties, bonds and offshore assets? Wouldn’t it be great if a professional could choose the most promising assets for you?

Fund Summary*

Sanlam Investment Management (SIM) Balanced Fund

Launch Date: 01 July 2004
Fund Size: R18 591.4 million
Benchmark: Mean of the ASISA SA Multi Asset High Equity Category
Fund Size: R18 591.4 million
Time Horizon: 6 - 7 years
Quick Facts: Download
*As at 30 June 2019
Risk Profile: Moderate
Fund Classification: SA - Multi Asset - High Equity
Min Investment Amount: Lump sum: R10 000
Monthly: R500
Total Expense Ratio (TER): 1.73
Fees: View Fees
Launch Date: 01 July 2004
Fund Size: R18 591.4 million
Benchmark: Mean of the ASISA SA Multi Asset High Equity Category
Time Horizon: 6 - 7 years
Quick Facts: Download
Risk Profile: Moderate
Fund Classification: SA - Multi Asset - High Equity
Min Investment Amount: Lump sum: R10 000 | Monthly: R500
Total Expense Ratio (TER): 1.73
Fees: View Fees
*As at 30 June 2019

Fund Strategy

Typically this fund will hold a large weighting in JSE shares with a maximum equity exposure of 75%. Capital exposure will also include investments in money market instruments, bonds, listed property and up to 25% in offshore assets. Fund risk is lower than that of a pure equity fund. This portfolio may also invest in participatory interests of underlying unit trust portfolios.


Illustrative Cumulative Growth of an investment of R100

Performance

Annualised Total Return on a rolling monthly basis
(as at 30 June 2019)
Retail Class Fund (%) Benchmark (%)
1 year 3.9 3.24
3 year 4.58 3.96
5 year 4.02 4.89
10 year 10.64 9.32

Annualised return is the weighted average compound growth rate over the period measured
Highest and Lowest Annual Returns over 10 years
Highest Annual % 21.72
Lowest Annual % 3.85

Fund Factsheet

Performance Fees FAQ

Illustrative Cumulative Growth of an investment of R100

Sanlam Investment Management (SIM)
Balanced Fund
Mean of the ASISA SA Multi Asset High Equity Category

Source of graph : Morningstar Direct

This graph illustrates how an investment of R100 would have grown had you invested for the time period displayed. Like everything in life, all investments can change and come with some degree of risk. That’s why we need this disclaimer, to tell you that past performances are not necessarily a guide to future performances, and that the value of investments/units/unit trusts may go down as well as up. The performance shown by this graph happened in the past and is not guaranteed. The performance is calculated by taking into account initial and ongoing fund manager fees and assumes that you reinvested all the income earned by the fund over this period.

The other line on the graph is for the performance of the designated benchmark of the fund – normally either an index or other funds in the industry that are comparable to the fund you’ve chosen.

The Manager has the right to close the portfolio to new investors in order to manage it more efficiently in accordance with its mandate. The actual fund performance can be viewed on the Minimum Disclosure Document. Annualised return is the weighted average compound growth rate over the period measured.

1. Naspers -N-12.29%
2. SIM Property Fund8.74%
3. Sanlam Real Assets SI USD5.33%
4. Sanlam FOUR US Dividend Fund3.93%
5. Sanlam Universal Funds PLC SPW Global High Quality Fund3.91%
6. Sanlam Universal Funds PLC SIM Global Emerging Mkts Fnd D23.85%
7. Sanlam FOUR Stable Global Equity Class A USD3%
8. FirstRand 0.00% 230120242.55%
9. Anglos2.31%
10. FirstRand / RMBH2.28%
Exchange Traded Funds
Preference Shares
Inflation Linked Bonds
Bonds 0 - 3 Years
Bonds 3 - 7 Years
Bonds 7 - 12 Years
Bonds 12+ Years
Cash And Money Market Assets
Property
International Assets
Equities
1. Naspers -N-12.29%
2. SIM Property Fund8.74%
3. Sanlam Real Assets SI USD5.33%
4. Sanlam FOUR US Dividend Fund3.93%
5. Sanlam Universal Funds PLC SPW Global High Quality Fund3.91%
6. Sanlam Universal Funds PLC SIM Global Emerging Mkts Fnd D23.85%
7. Sanlam FOUR Stable Global Equity Class A USD3%
8. FirstRand 0.00% 230120242.55%
9. Anglos2.31%
10. FirstRand / RMBH2.28%
Quick Facts

Ralph Thomas

Ralph was appointed to his current role as portfolio manager in Balanced Funds in 2016. Ralph has more than 12 years of financial services experience specialising in multi-asset structuring. Before joining the Sanlam Group, Ralph was a director at Deutsche Bank AG (South Africa) and a senior manager at Standard Bank. Through prior roles, Ralph has gained extensive experience in trading, structuring, research and analysis across asset classes within global financial markets

Ralph holds a B.Business Science from the University of Cape Town, and obtained an MBA (cum laude) from University of Cape Town (GSB) in 2014.

Traditional Investing (when you invest via a financial adviser or other)

Retail Class (%)

Advice initial fee (max.) 3.45%
Manager initial fee N/A
Advice annual fee (max.) 1.15%
Manager annual fee 1.26%
Total Expense Ratio (TER) 1.7%

Advice fee

Any advice fee is negotiable between the client and their financial adviser. An annual advice fee negotiated is paid via a repurchase of units from the investor.

Total Expense Ratio (TER)

This is the percentage of the value of the financial product that was incurred as expenses relating to the administration of the financial product. A higher TER does not necessarily imply a poor return, nor does a low TER imply a good return. The current TER may not necessarily be an accurate indication of future TERs.

Transaction Cost (TC)

This is the percentage of the value of the financial product that was incurred as costs relating to the buying and selling of the assets underlying the financial product. Transaction Costs are a necessary cost in administering the financial product and impacts financial product returns. It should not be considered in isolation as returns may be impacted by many other factors over time including market returns, the type of financial product, the investment decisions of the investment manager and the TER.

Total Investment Charges (TER + TC)

This is the percentage of the value of the financial product that was incurred as costs relating to the investment of the financial product.

For more detail please view the fund factsheet.

Our online investing tool, Smart Invest, makes investing more profitable for you. Because you are investing directly, you pay no initial or ongoing advice fees that would traditionally go to a financial adviser. These can be up to 3.42%.

Sanlam Investment Management (SIM) is the local active asset management house within Sanlam Investments. When choosing a fund managed by us, you have on your side one of SA’s largest and most reputable, risk conscious investment teams, consistently meeting or exceeding our benchmarks. Sanlam Collective Investments has appointed SIM as the asset manager for its unit trust funds, catering for the full spectrum of risk profiles.

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Fred White and Ralph Thomas co-manage the SIM Balanced Fund, a multi-asset fund aiming to deliver the maximum returns possible through a well-diversified portfolio. But strong long-term returns often go hand in hand with large draw-downs. How do they protect your money against such risk?

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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 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 and Standard Chartered Bank is the appointed trustee of the Satrix Managers Scheme.

Sanlam Life Insurance is a licensed financial service provider.
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