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Introduction

Unlock the growth potential of Europe’s most influential companies with this five-year investment option in a sinking fund policy.  The Glacier Euro iSTOXX Digital Plus Return Enhancer is designed to deliver enhanced returns with the reassurance of full capital protection.
Minimum contribution
  • R100 000 lump sum.
How long to invest for
  • A minimum of five years, as it is set up in a sinking fund policy underwritten by Safrican Insurance Company. The first five years are known as a ‘restricted period’.
Guidance

How it works

You make a lump sum investment of at least R100,000.

The investment is linked to the performance of a portfolio of leading European companies with strong growth prospects.

The capital protection and investment return are provided by a leading local bank.
Benefits

What investment in the Glacier Euro iSTOXX Digital Plus Return Enhancer offers you

  • Offshore exposure with a rand guarantee so your investment capital is protected in rands.

  • A defined enhanced return if performance of the portfolio is positive over the five-year period.

  • Diversification in your wider investment portfolio to mitigate capital loss and uncertain returns.

  • Elimination of manager risk, with performance linked to the underlying index, which is the Euro iSTOXX® 50 Futures Roll Total Return Decrement 5% Index.

  • 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.

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Insights

Access to your money

This investment does not allow for early exit or surrender. Investors should therefore be comfortable holding the investment until it reaches maturity.
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
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Sanlam Fixed Return Plan with Income
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get in touch

Contact us

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