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.
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What the fund aims to achieve and how
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The Smooth Growth Series consists of two portfolios, the Sanlam Smooth Growth Fund and the Sanlam Select Growth Fund.
The Sanlam Smooth Growth Fund is a single-managed, moderate-aggressive multi-asset class portfolio managed by Sanlam Investments’ Single-Manager.
The Sanlam Select Growth Fund is a multi-managed, moderate-aggressive balanced fund of funds managed by Sanlam Investments’ Multi-Manager.
The smoothing provided by these portfolios reduces the volatility of the investment, giving risk averse members the capacity to invest more in growth assets such as equities and property.
Available for the following product categories
The objective of the fund is to provide stable long-term capital growth. This is achieved by smoothing volatile investment returns while declaring monthly bonuses.
Sanlam is committed to ensuring long-term sustainability for current and future generations through our responsible investment practices. The integration of responsible investment into our investment processes ensures that we live up to our values, demonstrates good corporate citizenship, and when applied consistently over the long term, will enable sustainable, risk-adjusted returns for our clients.
Our Smoothed Bonus Portfolios Responsible Investment Report below provide insights into how Sanlam Corporate Investments integrates responsible investment into our smoothed bonus portfolios.
Smoothed Bonus Portfolios Responsible Investment Report
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What is a Market Value Adjustment and how does Sanlam use this to ensure fairness between clients terminating their investment and those remaining in the smoothed bonus portfolios?
Provides a summary and comparison of the Sanlam Smoothed Bonus products.
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.
The role of smoothing in living annuities | Danie van Zyl
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