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Intermediary Documents

  • Return Enhancer - December 2019 Brochure
    1 November 2019
    Helping your clients invest in the most appropriate solution can be challenging. Fixed income investments may not offer sufficient yield, especially after considering the impact of inflation and tax, while investors in equities may not be compensated for the volatility of the markets in a low return environment.
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  • Return Enhancer - December 2019 Quick Summary
    1 November 2019
    Helping your clients invest in the most appropriate solution can be challenging. Fixed income investments may not offer sufficient yield, especially after considering the impact of inflation and tax, while investors in equities may not be compensated for the volatility of the markets in a low return environment.
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  • Capital Enhancer - December 2019 Brochure
    1 November 2019
    The Glacier Capital Enhancer is a five-year tax-efficient investment option that is linked to the performance of a portfolio of global stocks and provides capital protection and enhanced return with uncapped upside.
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  • Capital Enhancer - December 2019 Quick Summary
    1 November 2019
    The Glacier Capital Enhancer is a five-year tax-efficient investment option that is linked to the performance of a portfolio of global stocks and provides capital protection and enhanced return with uncapped upside.
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  • Ten reasons to invest in equities
    2 July 2019
    In these uncertain times, investors are faced with a very important decision – whether to stay invested in the markets and bear the brunt of the tough economic climate, or rather to switch to cash?
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  • Fixed Return Investments
    21 June 2019
    In uncertain times, many investors want security. We offer your cautious clients attractive investment opportunities with the Fixed Return Plan and the Fixed Return Plan with Income - five-year investment solutions which provide a specified return at the end of the investment term, and the option of receiving a specified income throughout the term.
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  • Providing peace of mind during uncertain times
    6 June 2019
    Backed by Sanlam, Glacier is a leading player in the South African investment industry, and one of the largest players in the retirement space.
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  • Tax Guide 2019-2020
    1 March 2019
    The tax rates quoted below are applicable to the tax year ending February 2020, and have been informed by the Budget Speech of 20 February 2019. Budget proposals are also incorporated in this document.
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  • Retirement Fund Solutions SUF Technical Guide
    17 October 2018
    Glacier’s Retirement Fund Solution enables members to grow their retirement savings in an umbrella fund in a personalised investment portfolio.
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  • You’ve worked hard for your bonus- let it work for you.
    10 October 2018
    You’ve put in the extra hours, worked weekends, and sacrificed several much-needed holidays throughout the year. Well done! Your boss has acknowledged your efforts with a generous year-end bonus.
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  • Advantages of Cumulus Investments by Sanlam
    5 October 2018
    An endowment policy that allows clients to invest in a selection of leading investment options, and oers clients the opportunity to get protection from market falls in uncertain times.
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  • Cumulus Investments for long term
    5 October 2018
    At Glacier by Sanlam, we support investing for the long term and staying true to your investment strategy. Research clearly indicates that, over the long term, real asset classes such as equities and property outperform other asset classes in most scenarios. We also know that it is practically impossible to time the market, and that the cost of getting it wrong can be significant.
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  • Glacier Invest: Discretionary Fund Management
    8 September 2018
    In a bold step to ensure that our intermediaries have access to the best available world-class investment solutions and strategies, we are very proud to present our significantly enhanced discretionary fund management (DFM) and consulting capability, GLACIER INVEST.
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  • Introducing Glacier
    5 September 2018
    Glacier by Sanlam brings together leading experts and respected financial services companies to meet clients’ investment needs. We deliver focused investment services through specialist teams, partner with acclaimed financial intermediaries and pride ourselves on our superior products and solutions and high quality service
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  • The Glacier AI Flexible Fund of Funds
    3 September 2018
    In a crowded multi-asset market place, it is vital to be able to provide a differentiated investment solution that stands out form the masses. The Glacier AI Flexible Fund of Funds was designed to eliminate human emotions, actively adapt to changing markets and help to materially improve the consistency of achieving investment goals with significantly reduced downside risk.
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  • Glacier Cash Option
    31 August 2018
    The Glacier Cash Option offers a cost-effective “parking place” for funds waiting to be invested elsewhere, or for investors looking for a low-risk, cash-type investment. The Cash Option is only available for investments made with discretionary money. Investors can switch to and from the Cash Option whenever they and their intermediary consider it an appropriate time to do so.
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  • Glacier Solutions Guide
    14 June 2018
    Help guide your client to the appropriate investment solution to suit their needs by using this extensive Excel tool.
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  • FAIS FSP Categories
    11 May 2018
    The new Fit and Proper Requirements was published on 15 December 2017 in Board Notice 194 of 2017 and became operational on 1 April 2018.
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  • Retirement Income Considerations
    7 May 2018
    Investment-Linked Lifetime Income Plan - Which type of retirement income product to purchase?
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  • Confident investment around retirement
    3 May 2018
    Protect your clients against market volatility, especially in the crucial years leading up to, or the early years after their retirement.
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  • Glacier International Global Life Plan
    20 April 2018
    Glacier International provides South African investors with direct international investment opportunities.
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  • Glacier Solutions Guide Booklet
    12 April 2018
    Choose the most suitable investment solutions for your clients with the Glacier Solutions Guide.
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  • Glacier International Technical Guide
    7 April 2018
    This guide provides the background information and constraints pertaining to the Glacier International Global Life Plan and Global Collection Plan. It should be read in conjunction with the client brochure and information sheets for the relevant products.
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  • Cumulus Echo Pension and Provident Preservers
    29 March 2018
    For your clients, leaving an employer is part of building a career. Help them preserve and grow their hard-earned retirement savings in a product which rewards them for staying invested, and offers certain guarantees.
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  • Guaranteed Life Annuities
    29 March 2018
    Our guaranteed life annuities give your clients the certainty of a lifelong retirement income, and the opportunity to provide for their loved ones after their death.
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  • Cumulus and Nimbus Investments
    29 March 2018
    The Sanlam Cumulus and Nimbus Investments are five-year tax-efficient investment solutions with a number of advantages including a boost to the initial investment amount and an optional guarantee to limit losses in a declining market.
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  • Global Life Plan Taxation
    29 March 2018
    Tax administration (calculation, collection and payment to SARS) is taken care of by Glacier International within the Global Life Plan, which makes the tax process much simpler and may result in a lower taxation rate for investors.
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  • Tax Guide 2018-2019
    28 March 2018
    The tax rates quoted below are applicable to the tax year ending February 2019, and have been informed by the Budget Speech of 21 February 2018. Budget proposals are also incorporated in this document.
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  • Regulatory guidelines for intermediaries
    26 March 2018
    RDR will require financial intermediaries to think about their own value proposition and how they will position this to their clients.
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  • Global Stock Feeder Fund
    20 March 2018
    The popularity of global equity funds has grown significantly over recent years. In partnership with global asset manager Dodge & Cox, we bring investors the opportunity to invest in an actively managed global equity portfolio through the Glacier Global Stock Feeder Fund.
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  • Navigate Optimised Model Portfolios
    14 March 2018
    The portfolios have been constructed to not only appeal to investors who are new to offshore investing and require guidance, but also to seasoned investors who merely require a simple offshore investment solution.
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  • Global Life Plan Benefits
    14 March 2018
    Glacier International provides South African investors with direct international investment opportunities.
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  • Monthly Bonus Fund
    5 March 2018
    The Monthly Bonus Fund protects investors against short-term market volatility by smoothing out investment returns and providing guarantees on payments.
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  • Consulting service and managed solutions
    28 February 2018
    Your expertise and ours: A powerful combination. The implementation of Retail Distribution Review (RDR) will compel licensed intermediaries to clearly distinguish between their advice process and asset management process.
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  • MoneyMarketing Tax Booklet 2018-2019
    28 February 2018
    The tax rates quoted below are applicable to the tax year ending February 2019, and have been informed by the Budget Speech of 21 February 2018. Budget proposals are also incorporated in this document.
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  • Global life plan benefits: Comparison
    2 February 2018
    Offshore share portfolio: Global Life Plan vs Direct.
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  • Investment- Linked Lifetime Income Plan
    1 January 2018
    Providing retirees with a sustainable investment-linked income in retirement.
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  • Intermediary Value Proposition
    31 October 2017
    Glacier by Sanlam offers investment solutions, designed to assist in the creation and preservation of wealth. Our offering encompasses local investments, including fixed term investments and investments with guarantees, international investments, retirement saving solutions, and retirement income solutions.
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  • Glacier's Investment Hub quick guide
    8 August 2017
    Simpler systems, auto data capture and less paperwork give you the power to get things done on your own terms.
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