Skip Ribbon Commands
Skip to main content

The information on the Adviser and Institutional areas of this site have been tailored for investment professionals. Appropriate product, fund and service information for private investors can be accessed on the Personal area of our site. Terms & conditions .

continue
Do not show this again.

Contact

Call me back

Advice

Back

Email us

Skip Navigation LinksProtection Focussed Solutions

Smoothed Bonus Portfolios

Protect your investments from short-term volatility with smoothed returns and capital protection.

Our smoothed bonus portfolios reduce the volatility of investment returns inherent with market exposure. This is done through regular bonus declarations, which are designed to provide a smoothed return over time. These portfolios offer capital protection and are appropriate for members approaching retirement, members whose employment is vulnerable to economic changes and risk-averse members.

Our Smoothed Bonus Portfolios

Suitable for investors who
  • Want to reduce the volatility of their investment, especially as they approach retirement, without giving up the upside potential of their returns.
  • Want comprehensive guarantees on their benefit payments on retirement, resignation, retrenchment, disability or death.
What the fund aims to achieve and how

Provides investment protection against short-term volatility while providing full guarantees on benefit payments.

Smoothes investment return.

Bonuses are fully guaranteed and declared monthly in advance. Bonuses cannot be negative.

Suitable for investors who
  • Want to reduce the volatility of their investment, especially as they approach retirement, without giving up the upside potential of their returns.
  • Are willing to have only a portion of their bonus be guaranteed to pursue possible higher returns. Bonuses consist of a guaranteed and non-guaranteed portion.
What the fund aims to achieve and how

Protects investors against short-term volatility while providing partial guarantees on benefit payments.

Smoothes investment return.

Bonuses consist of a vesting and non-vesting portion, and are declared monthly in advance. Bonuses cannot be negative.

Suitable for investors who
  • Want to invest in a multi-managed smoothed bonus fund to obtain exposure to a selected range of top South African asset managers.
  • Want to reduce the volatility of their investment, especially as they approach retirement, without giving up the upside potential of their returns.
  • Want comprehensive guarantees on their benefit payments on retirement, resignation, retrenchment, disability or death.
What the fund aims to achieve and how

Provides exposure to leading investment managers and protects investors against short-term volatility while providing full guarantees on benefit payments.

Smoothes investment return.

Bonuses are fully guaranteed and declared monthly in advance. Bonuses cannot be negative.

Suitable for investors who
  • Want to reduce the volatility of their investment, especially as they approach retirement.
  • Are close to retirement and want to avoid the volatility of a fully market-linked investment.
  • Do not want a market value adjustment to reduce the value of their investment if they terminate or switch due to a non-benefit event.
What the fund aims to achieve and how

Provides capital preservation and stable non-negative investment returns to risk-averse members with exposure to Sanlam’s Inflation Linked Fund.

Bonuses are fully guaranteed and declared monthly in advance. Bonuses cannot be negative.

Downloads

Provides a market overview and fund-specific information about our guaranteed investment portfolios.

Provides information about the performance of our funds.

Provides information about the guaranteed investment portfolios' current funding levels.

Provides information on the important things one should know about smoothed bonus products.

Provides information about the product features, benefit and fee philosophy, investment management and governance of the Monthly Bonus Fund and the Stable Bonus Portfolio.

Provides detailed information about how we manage our discretionary participation funds.

Provides confirmation that our guaranteed long-term policies may be excluded from the asset limits set in Regulation 28.

We can provide the protection you’re looking for.

Contact us to develop a solution that works for your fund.

Sanlam Life Insurance is a licensed financial service provider.
Copyright © Sanlam