Sanlam Cumulus Investment Plan
The Sanlam Cumulus Investment Plan is an endowment that’s designed to give you the flexibility to choose how and where you want to invest your money. What’s more, with every payment you make, our team of financial experts will allocate an additional percentage – which means your money will grow faster, putting you one step closer to achieving your financial goals. The cost structure is among the lowest in its class, with a loyalty bonus reward for staying invested, making it an extremely cost-effective savings and investment solution. It is easily accessible with affordable payments from only R750 p.m. or R15,000 one-off. The Sanlam Cumulus Investment Plan offers excellent estate planning benefits and tax efficiency for individuals with high marginal tax rates.
How it works
Sanlam Cumulus Investment Plan gives you access to a range of investment funds to choose from, enabling you to potentially earn exceptional returns on your investment.
Choose from two payment options: recurring payments starting from R750 per month, or a one-off payment from R15,000
We add an additional percentage to each payment you make, to help your investment grow faster
We give loyalty bonus rewards with refunds of certain fees for staying invested
We provide a diverse range of underlying investment funds across all asset classes that you can choose in collaboration with your financial planner
We offer flexibility where no alteration charges will apply if you access your funds after two years
Once your initial term is complete, the term remains open-ended. You can apply for automated regular withdrawals to receive a regular income
Why Cumulus Investment Plan is right for you
When you choose to invest in the Sanlam Cumulus Investment Plan, our team of financial experts will help your money grow by allocating an additional percentage to each payment that you make.
0.5%
for monthly payments between R750 and R1,000
1%
for monthly payments between R1,000 and R5,000
2%
for monthly payments of R5,000 and more
4%
for one-off payments between R15,000 and R100,000
5%
for one-off payments of R100,000 or more
The Cumulus Investment Plan also provides you with
Access to leading market funds.
Tax efficiency for individuals with high marginal tax rates.
Lower minimum payment options to start investing.
Earn loyalty bonus at certain plan anniversaries, termination or death.
No alteration charges will apply if you access your funds after two years.
Investing made simple
We invest more additional allocation on top of your contribution. This boost upfront gives investment growth a head start.
Our Loyalty Bonus rewards you for staying invested. Clients get rewarded with refunds of certain fees on their plan.
You can kick off your Sanlam Cumulus Investment Plan with a minimum payment of R750 per month, or a one-off payment from R15,000.
To make the most of your plan, you’ll invest for a minimum of five years — and you can start anytime before age 89.
You’re in control — you can reduce or even stop your monthly payments anytime, and there’s no extra charge for making changes.
Invest in your future
Tax-Free Savings
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