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Sanlam Investment Management
Enhanced Yield Fund

Not everybody is comfortable with the ups and downs of the share market. If you’re a conservative investor looking for returns a bit better than that offered by your bank, and don’t mind some fluctuation in the value of your investment, you may sleep better with an interest-bearing fund.

Fund Summary*

Sanlam Investment Management (SIM) Enhanced Yield Fund

Launch Date: 03 May 2011
Fund Size: R6 201.4 million
Benchmark: STeFI+0.5% p.a.
Time Horizon: 0 - 2 years
Quick Facts: Download
*As at 31 January 2019
Risk Profile: Conservative
Fund Classification: SA - Interest Bearing - Short Term
Min Investment Amount: Lump sum: R10 000 | Monthly: R500
Total Expense Ratio (TER): 0.49%
Fees: View Fees
Launch Date: 03 May 2011
Fund Size: R6 201.4 million
Benchmark: STeFI+0.5% p.a.
Time Horizon: 0 - 2 years
Quick Facts: Download
Risk Profile: Conservative
Fund Classification: SA - Interest Bearing - Short Term
Min Investment Amount: Lump sum: R10 000 | Monthly: R500
Total Expense Ratio (TER): 0.49%
Fees: View Fees
*As at 31 January 2019

Fund Strategy

The fund aims to enhance yield by investing in a blend of floating rate note and credit instruments in a range of maturities. The fund is mandated to invest in unlisted financial instruments (derivatives) for efficient portfolio management. 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 31 January 2019)
A1- Class Fund (%) Benchmark (%)
1 year 9.12 7.75
3 year 9.58 7.91
5 year 8.81 7.44
Since Inception 7.95 6.92

Annualised return is the weighted average compound growth rate over the period measured
Highest and Lowest Annual Returns since inception
Highest Annual % 10.08
Lowest Annual % 4.06

Fund Factsheet

Performance Fees FAQ

Illustrative Cumulative Growth of an investment of R100

Sanlam Investment Management (SIM)
Enhanced Yield
STeFI+0.5%

Source of graph : Morningstar Direct

Sanlam Investment Management (SIM) Enhanced
Yield Fund
STeFI+0.5%

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. Standard Bank of SA Limited18.70%
2. FirstRand Bank Limited12.10%
3. RSA Government11.80%
4. ABSA Bank Limited11.10%
5. Nedbank10.40%
6. ABSA Group Limited2.70%
7. Investec2.40%
8. HSBC Holdings2.20%
9. Thekwini Fund 10 RF Ltd F/R 1807171.90%
10. Investec Property Fund Limited1.30%
Cash and Money Market Assets
Fixed Interest Assets Bonds 3 - 7 Years
Fixed Interest Assets Bonds 0 - 3 Years
Inflation Linked Bonds
Fixed Interest Assets Bonds 7 - 12 Years
1. Standard Bank of SA Limited18.70%
2. FirstRand Bank Limited12.10%
3. RSA Government11.80%
4. ABSA Bank Limited11.10%
5. Nedbank10.40%
6. ABSA Group Limited2.70%
7. Investec2.40%
8. HSBC Holdings2.20%
9. Thekwini Fund 10 RF Ltd F/R 1807171.90%
10. Investec Property Fund Limited1.30%

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

A1-Class (%)

Advice initial fee (max.) 0.34%
Manager initial fee N/A
Advice annual fee (max.) 1.15%
Manager annual fee 0.48%
Total Expense Ratio (TER) 0.49%

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 TER’s.

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

When you invest online

Our smart online system is working to make investing more profitable for you. The management fee you pay is based on the fund selected and calculated on your total contributions, and then applied to the overall value of your portfolio.

YOUR INVESTMENT WILL NOT CHARGE THE FOLLOWING FEES

  • No initial account set-up fees – usually charged at 2%.
  • No switching fees
  • No exit fees
  • No account changes fees
  • No rebalancing fees
  • No commissions
  • No debit order fees
  • No fund manager rebates

SO YOU’RE ONLY CHARGED THE RELEVANT FUND-MANAGEMENT FEE

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.

Watch Video

The SIM Enhanced Yield Fund aims to give you a better return than leaving your money in the bank. The portfolio manager, Melville du Plessis, shows how he does this while preserving clients’ capital.

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A professional financial adviser is an invaluable aid along your savings journey.

Invest Online

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Find an Adviser

A professional financial adviser is an invaluable aid along your savings journey.

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