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- About
- Guidance
- Benefits
- Insights
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- Our solutions
- Resources
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About
Introduction
The Glacier Top Brands Return Enhancer is a five year investment option in a sinking fund policy underwritten by Sanlam Life, that is linked to the performance of a global portfolio of companies with strong brand value.
- 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 Sanlam Life Insurance Ltd, called the Vantage Plan, of which the first five years are known as a ‘restricted period’.
Guidance
How it works
Benefits
What investment in the Top Brands Return Enhancer offers you
Five-year investment linked to a portfolio of some of the largest, most well-known and well-perceived brands in the Europe and US, without currency risk.
Capital protection.
The Top Brands Return Enhancer will provide you with a defined minimum return if the portfolio provides a negative return or a positive return up to 20% over the 5-year investment term. You will receive an enhanced return if the portfolio provides a return above 20% over the five years. This enhanced return level gets determined at inception.
There is an opportunity for high returns, even in a low return environment.
Structure with no tax administration burden.
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.
Charges
Tax and fees
All fees are priced into the investment. No additional fees will be deducted separately and your full investment amount will therefore 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
For September 2024 issue: All returns earned will be taxed as capital gains at maturity.
For all previous issues: All returns earned 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
Glacier Top Brands Participation Enhancer
Capital protection and the opportunity for augmented returns, through exposure to the performance of 12 of the largest, most well-known brands in Europe and the US, without currency risk.
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.
Glacier Investment Plan
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 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 |
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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 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