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How to Invest

Get on the road to complete financial independence

If you’re new to the investment world, the idea of choosing your own fund and investing your money can be quite exciting. Ask yourself a few questions to start the journey, like what is your goal and when would you need the money? Are you a taxpayer and could you benefit from choosing a tax-free product? How much price volatility are you comfortable with?

With these factors in mind, you can now start weighing up your options and plotting your investment journey.


How to choose an investment product that’s right for you

Every person has their own unique needs, dreams and circumstances. In order to choose a product that will best suit you, it’s very important to first identify your financial goal – perhaps you’re saving for a wedding or planning for retirement?

There are three products best suited to the needs of the average investor:

Unit Trusts Tax-free Investments Retirement

You can start investing from R500 per month or a R10 000 lump sum contribution.

Before you start investing, familiarise yourself with the features of each type of product offering, for instance:

  • When will you be allowed to withdraw your money?
  • Will you be taxed on your investment or the money you withdraw?
  • Do you qualify for personal tax relief on your contributions?


What to consider when choosing a fund

If you are looking at an investment product, you're already a step closer to achieving your investment goal. Every investment option caters to different personalities and goals. In order to choose a fund that suits your investment goals, you would need an understanding of what type of investor you are:

  • How long do you want to invest for?
  • How much risk are you willing to take?
  • How much can you afford to contribute towards your investment goal?

Thinking about the answers to these questions will give you a better idea of what risk spectrum your ideal fund should fall into. Investors who are able to invest for a longer time period will be able to invest in a more aggressive fund in order to possibly receive a greater return over a longer period of time.

Another factor to consider is the adviser and administration fees associated with each fund. If you're looking for a more specialised fund, or require further assistance with selecting a suitable fund, our Sanlam financial advisers will be able to assist you in choosing the appropriate product.


Get ready to invest

Now that you have a good idea of where you're headed in your investment goal, it's time to get the ball rolling.

Whether you're applying for an investment online or with the help of a financial adviser, the following FICA documents may be required:

  • Proof of identity, such as a copy of your ID
  • Proof of address, such as a utility bill or lease agreement (no more than three months old)

If you are investing on behalf of a minor (younger than 18 years old) you will need to provide additional information and documentation.

Quick Solutions

Whether you’d like to set money aside to buy a home, save for a rainy day, or save towards your retirement, Sanlam Investments has a range of quick solutions to guide you along your investment journey.

Invest Online

With Sanlam Smart Invest you can invest in a unit trust from R500 per month and join over 200 000 South Africans who invest with Sanlam. We’ll take you through some easy steps to find the right investment for your financial goals.

Speak to a Financial Adviser

A financial adviser has the knowledge and experience to help you calculate how much money you’ll need for your future goals, taking into account inflation and how much you're able to save. Sanlam Investments can put you in touch with a professional financial adviser who can help you along your savings journey.

You'll never regret starting now.
It's the smartest
thing you'll do today.

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