Intermediary Brochures

Access all our intermediary resources.

Investing Offshore - Process Required

The offshore investment process is slightly more involved than the local one.

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Changes to Life Investment Products

A new web-based Life Annuities & Investments Quote System which will replace the old desktop OfficeQuote package will be available on Sanport from 29 June 2020. We have also made improvements to our Life Annuity product range, as indicated in the table below. Most importantly, Plan 29 now includes all the features of Plan 27, so Plan 27 is closed to new business.

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Sanlam Glacier Life Annuity Quote System Quick Guide

Simpler systems and automatic data capture to streamline the way you do business.

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User-friendly features of the Life Annuities & Investments quote system

Use this guide to navigate the user-friendly features of the new quote system.

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FAQ Living annuity commutation thresholds

As from 1 June 2020, an annuitant may take the full value of a living annuity in cash, provided the value of the living annuity is R125 000 or less.

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FAQ Expanding access to living annuity income

All reference to GN in this document refers to Government Notice 618 published in the Government Gazette No. 43379 on 1 June 2020, relating to the expanding of access to living annuity income for a relief period, 1 June 2020 – 30 September 2020 (subject to change by National Treasury).

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Expanding access to living annuity income comprehensive document

This Government Notice (hereinafter referred to as the GN) delivers the long-awaited COVID-19 tax relief measure that will allow annuitants that own a living annuity and who also need cash immediately or who do not want to realise investments that have underperformed, to adjust their drawdown percentage temporarily.

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Advantages of the FlexiGuarantee Life Annuity

The FlexiGuarantee Life Annuity is a conventional annuity with two components structured on the basis of a guaranteed life annuity and a living annuity.

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The FlexiGuarantee Life Annuity compared to a stand-alone Living Annuity and Life Annuity

At retirement, clients have the option to diversify their retirement savings into several retirement income solutions to suit their unique needs.

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Glacier FlexiGuarantee Life Annuity technical guide

The Glacier FlexiGuarantee Life Annuity (FGLA) is a conventional annuity which will consist of two components. One component will be a guaranteed life annuity whilst the other component will have some features that are similar to that of a living annuity.

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What video conference application works the best Infographic

To enable social distancing, video conferencing has become a common platform to conduct meetings and stay connected with colleagues, clients and even family.

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Legal Matters - Living Annuities at divorce

The treatment of living annuities (and resultant annuity income payments) at divorce has been a contentious point of law for years. A recent Supreme Court of Appeal judgement has shed a new light on the treatment of an annuitant’s right to future income payments for purposes of calculating accrual. In this edition we will assess the impact of this judgment on the future treatment of living annuity income payments at divorce.

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Mastering your retirement plan

Mastery is knowledge and skill on a particular subject. Mastering your retirement income plan – what Roenica Tyson, Investment Product Manager at Glacier refers to as the Retirement Master Plan – means considering many solutions to ensure the best financial outcome in retirement.

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Options with Glacier when retiring or resigning from the GEPF

What retirement solutions are available to your clients on retirement or resignation? This document unpacks the various solutions available.

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Glacier Globe - December 2019 - Issue two

We’re talking all-things retirement in this issue of The Glacier Globe and our writers explore a much more enlightened way of viewing this particular stage of one’s life. We look at not just the income solutions available, but also some of the lifestyle considerations as well as emerging trends in the space, and tax considerations too.

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Retirement Income Strategies - addressing the most prevalent concerns

No matter who we are, we all need to make certain decisions when it comes to retirement planning. These include deciding which type of retirement income product to purchase to ensure that our income needs will continue to be met throughout retirement.

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The retirement fund industry Vs the return of the prescribed assets requirement

In this publication we will dig a bit deeper into the concept of “prescribed assets”, recap the current legal stance as set out in legislation applicable to pension funds and then lastly look at the process to be followed in order to enforce such a change.

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Wealth Edge Model Portfolios: Guaranteed and Non-guaranteed funds

The model portfolios below are examples of how collective investment funds with the optional unit price guarantee in the Wealth Edge Endowment Plan can be blended with collective investment funds without the guarantee to construct diversified portfolios for specific risk profiles.

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Glacier Invest Smart Portfolio Infographic

The portfolio management platform that brings you closer to the investment process.

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The Investment Hub E-signing step-by-step guide

A step-by-step guide on how to use the E-signing process on the Glacier Investment Hub.

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Let's stay connected

Learn how to connect with your Glacier business development team.

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Glacier Tax Guide 2020-2021

The tax rates quoted below are applicable to the tax year ending February 2021, and have been informed by the Budget Speech of 26 February 2020. Budget proposals are also incorporated in this document.

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Glacier Cash Option

Provide your clients with an opportunity to actively put their cash to work in a cost-effective investment option geared to achieve inflation-beating returns.

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Return Enhancer Quick Summary

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 Brochure

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 Quick Summary

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 Brochure

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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Global Life Plan Benefits

Glacier International provides South African investors with direct international investment opportunities.

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Glacier International Global Life Plan

Glacier International provides South African investors with direct international investment opportunities.

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Investment options on the Wealth Edge Plan

An overview of the various investment options available, categorised according to risk exposure.

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Wealth Edge Endowment - Comparison of Protection options

See how the guarantees offered on the Sanlam Wealth Edge Endowment Plan compare to the Cumulus Escalating funds.

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Wealth Edge Endowment - Comparison Of Investment Options

he Glacier Solution funds, Sanlam Cumulus Escalating funds and Sanlam Wealth Edge Endowment guarantees plotted on the efficient frontier.

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Wealth Edge Endowment

Give your clients the one thing they wish for: the ability to take maximum advantage of markets, with an optional protection strategy.

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Glacier Solutions Guide Booklet

Choose the most suitable investment solutions for your clients with the Glacier Solutions Guide.

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Ten reasons to invest in equities

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

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

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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Global life plan benefits: Comparison

Offshore share portfolio: Global Life Plan vs Direct.

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Cumulus Investments for long term

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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Advantages of Cumulus Investments by Sanlam

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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Introducing Glacier

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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Glacier Invest: Discretionary Fund Management

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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Glacier Cash Option

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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The Glacier AI Flexible Fund of Funds

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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FAIS FSP Categories

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

Investment-Linked Lifetime Income Plan - Which type of retirement income product to purchase?

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Cumulus Echo Pension and Provident Preservers

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

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. READ MORE

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Cumulus and Nimbus Investments

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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Regulatory guidelines for intermediaries

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

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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Investment- Linked Lifetime Income Plan

Providing retirees with a sustainable investment-linked income in retirement.

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Intermediary Value Proposition

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

Simpler systems, auto data capture and less paperwork give you the power to get things done on your own terms.

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