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About
Introduction
The Glacier East Asia Capital Enhancer is a five-year investment option linked to the performance of a global composite portfolio of companies in East Asia, presenting one of the most compelling investment opportunities of the decade.
A minimum lump sum contribution of R100,000 is required. The investment is structured within the Vantage Plan, a sinking fund policy underwritten by Sanlam Life Insurance Ltd, and has a minimum term of five years. The first five years constitute a ‘restricted period’.
Guidance
How it works
Benefits
What investment in the East Asia Capital Enhancer offers you
Offshore exposure with rand guarantees so your investment is not affected by rand volatility.
A defined enhanced return if performance is positive, as well as capital protection, reducing uncertainty.
Diversification in your wider investment portfolio to mitigate capital loss and uncertain returns.
Elimination of manager risk, with performance linked to a basket of indices using a fixed formula rather than fund manager decisions.
Tax efficiency, through a sinking fund structure with tax applied at maturity under the five-fund approach at the current 30% rate.
Estate planning benefits, allowing a nominated beneficiary to continue the investment after death and potentially reduce executor’s fees.
Insights
Access to your money
You may exit this investment prior to maturity. The value will be calculated based on the market value of the asset, which could be less than the original investment amount. The minimum return is only provided if the policy is held to maturity. For an early exit, one full surrender is allowed, subject to a 6% fee.
Charges
Tax and fees
All fees are priced into the investment. No additional fee will be deducted separately, which means that 100% of your investment amount will be invested. Fees vary per product and underlying investments. Please speak to your financial intermediary to make sure you pay the correct fees and that you understand which fees you pay and why.
Tax details
All returns will be taxed as income at maturity, using the prevailing tax rates.
Our solutions
Build a secure future for you and your family with our range of investment solutions.
Invest in the financial markets to grow your assets – whether it is to pay off debt, save for your children’s education, contribute to your retirement savings, or simply to ensure financial security.
- Our Solutions
Sanlam Fixed Return Plan
The assurance of a fixed return reduces any concerns you may have about portfolio fluctuations over time and the potential of not meeting your investment objectives due to market volatility.
Sanlam Fixed Return Plan with Income
Receive a guaranteed monthly income throughout the investment term, along with the return of the original investment amount at the end of the term.
Sanlam Wealth Edge Endowment Plan
Get extraordinary benefits with a five-year tax-efficient investment solution that offers a boost to the initial investment amount, rewards for staying invested and optional protection to limit losses in a declining market.