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Sanlam Investment Management
Inflation Plus Fund

There are many things that can affect the economy. And if you’re a cautious investor who still wants bold results, you need an investment fund that can stay the course, no matter what happens.

The Sanlam Investment Management Inflation Plus Fund is a multi asset low equity fund which aims to deliver smooth, positive real returns (adjusted for inflation) targeting CPI +4% over a rolling three-year period. This fund is best suited to investors with a medium-term investment horizon (three to five years) who require capital stability and real income growth. For more information contact your financial adviser or broker.

Fund Summary*

Sanlam Investment Management (SIM) Inflation Plus Fund

Launch Date: 01 April 1999
Fund Size: R13 264.7 million
Benchmark: CPI + 4% over a rolling 3 year period
Time Horizon: 3 - 5 years
*As at 30 June 2019
 
Risk Profile: Cautious
Fund Classification: SA – Multi Asset – Low Equity
Min Investment Amount: Lump sum: R10 000 | Monthly: R500
Total Expense Ratio (TER): 1.24%
Fees: View Fees
Launch Date: 01 April 1999
Fund Size: R13 264.7 million
Benchmark: CPI + 4% over a rolling 3 year period
Time Horizon: 3 - 5 years
Risk Profile: Cautious
Fund Classification: SA – Multi Asset – Low Equity
Min Investment Amount: Lump sum: R10 000 | Monthly: R500
Total Expense Ratio (TER): 1.24%
Fees: View Fees
*As at 30 June 2019

Fund Strategy

This actively managed fund is a combination of investments in equity, bonds, money market instruments and listed property both locally and abroad. It can invest 25% offshore, while equity exposure is limited to 40%. This fund uses derivatives to protect capital. The fund aims to outperform inflation by a margin of 4% (after annual service fees) over any rolling three-year period, while also aiming to prevent capital loss over any rolling 12-month period.


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 6.24 8.55
3 year 6.73 8.74
5 year 7.38 9.04
10 year 9.67 9.24

Annualised return is the weighted average compound growth rate over the period measured
Highest and Lowest Annual Returns over 10 years
Highest Annual % 14
Lowest Annual % 6.22

Fund Factsheet

Illustrative Cumulative Growth of an investment of R100

Sanlam Investment Management
(SIM) Inflation Plus Fund
Consumer Price Index (CPI) +4%

Source of graph : Morningstar Direct

Sanlam Investment Management (SIM) Inflation
Plus Fund
Consumer Price Index (CPI) +4%

Source of graph : Morningstar Direct

Sanlam Investment Management (SIM)
Inflation Plus Fund
Consumer Price Index (CPI) +4%

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-6.29%
2. Anglos1.33%
3. FirstRand / RMBH1.29%
4. Stanbank1.21%
5. Sasol0.93%
6. MTN0.88%
7. BTI Group0.79%
8. Implats0.75%
9. BHP GROUP PLC0.69%
10. Sanlam0.63%
Preference Shares
Equity Collective investments
Bonds 12+ Years
Inflation Linked Bonds
Property
Bonds 7 - 12 Years
Bonds 0 - 3 Years
Bonds 3 - 7 Years
Equities
International Assets
Cash And Money Market Assets
1. Naspers -N-6.29%
2. Anglos1.33%
3. FirstRand / RMBH1.29%
4. Stanbank1.21%
5. Sasol0.93%
6. MTN0.88%
7. BTI Group0.79%
8. Implats0.75%
9. BHP GROUP PLC0.69%
10. Sanlam0.63%

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

Retail Class (%)

Advice initial fee (max.) 1.15%
Manager initial fee N/A
Advice annual fee (max.) 1.15%
Manager annual fee 1.15%
Total Expense Ratio (TER) 1.25%

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.

Watch Video

Natasha Narsingh and Lethabo Leoka head up the Absolute Return funds at Sanlam Investments. The flagship fund is the SIM Inflation Plus Fund, which has two objectives that are very attractive to investors looking for a smoother return profile.

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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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