Glacier Top Brands Participation Enhancer

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About

Introduction

The Glacier Top Brands Participation Enhancer is a five-year investment option in a sinking fund policy underwritten by Sanlam Life, and is linked to the performance of a global portfolio of companies with strong brand value. It allows you to invest with more certainty, without giving up the opportunity to earn high returns.

Minimum contribution
R100,000.
How long to invest for
A minimum of five years.

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 top global brands without currency risk.

The capital protection and investment return are provided by leading global banks.

Benefits

What investment in the Top Brands Participation Enhancer offers you

Offshore exposure with rand guarantees: Although the portfolio is exposed to global markets, your investment is not affected by fluctuations in the value of the rand.
A defined return: In addition to capital protection, you receive a specified augmented return if the portfolio performs positively, which removes some of the uncertainty associated with active fund management - an important consideration when building a diversified portfolio.
Diversification: It can be used as part of a wider investment portfolio as it mitigates capital loss and uncertain returns – two key areas of concern for investors.
No manager risk: Unlike an actively managed fund, there is no exposure to a particular manager’s style or ability as the investment’s performance is linked to a basket of indices.

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 assets, which could be less than the original capital amount. The minimum return is only provided if the policy is held to maturity.  

After the initial investment term, the maturity amount less tax will be switched into the Glacier Money Market Fund within the Glacier Vantage Plan (sinking fund policy). You then have access to a wide range of collective investment funds, wrap funds and share portfolios, and will be able to enact switches and make any number of withdrawals.

Charges

Tax and fees

Fees vary per product and your underlying investment. 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 earned will be taxed as capital gains.
The current effective Capital Gains Tax rate is 12%

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

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.

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.

Invest your capital and grow your wealth in a personal investment portfolio, customised by you and your intermediary to suit your needs and tolerance for risk.

resources

Find additional resources to support your financial journey

Downloadable resources

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	Bloomberg Transatlantic Top Brands Fixed Selection Decrement 5% Index
	Understanding the performance of the Glacier Top Brands Return Enhancer
	Brochure for August 2025 issue
	Brochure for September 2024 issue
	Brochure for June 2024 issue
	Brochure for April 2024 issue
	Brochure for January 2024 issue
	Brochure for October 2023 issue
	Brochure for August 2023 issue
	Brochure for June 2023 issue