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Infographic: A smoother journey to retirement

7 July 2016 | Investment Outcomes, Retirement Outcomes

For peace of mind, trustees need a smoother journey to achieving their members’ retirement goals!

Trustees need to get the best possible returns for their members without too much exposure to short-term capital fluctuations.

Ideally they should be able to get:

reduced fluctuations (ups and downs) in returns over a year
the highest possible real returns (growth over and above inflation) over a three to five year period.

Absolute return products are specifically designed to achieve a smoother journey to members’ retirement goals. While delivering on clients’ required returns, they also manage to avoid the numerous ‘potholes’ to ensure a smoother passage along the way.

They do this through actively managing the risks through skillful tactics such as derivatives and tactical asset allocation. For these capital protection strategies, there is a small premium that is attached.

Overall, these protection strategies are effective in ensuring a safer, low-risk journey (ie preserving capital in volatile markets), while still maximising returns for retirement fund members over the longer term, to achieve the end goal: a successful retirement.

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Sanlam Investments consists of the following authorised Financial Services Providers: Sanlam Investment Management (Pty) Ltd (“SIM”), Sanlam Multi Manager International (Pty) Ltd (“SMMI”), Satrix Managers (RF) (Pty) Ltd, Graviton Wealth Management (Pty) Ltd (“GWM”), Graviton Financial Partners (Pty) Ltd (“GFP”), Satrix Investments (Pty) Ltd, Amplify Investment Partners (Pty) Ltd, Sanlam Capital Markets (Pty) Ltd (“SCM”), Sanlam Credit Fund Advisor Proprietary Limited, Sanlam Africa Real Estate Advisor Proprietary Limited and Sanlam Employee Benefits (“SEB”), a division of Sanlam Life Insurance Limited and Simeka Wealth (Pty) Ltd; and has the following approved Management Companies under the Collective Investment Schemes Control Act: Sanlam Collective Investments (RF) (Pty) Ltd (“SCI”) and Satrix Managers (RF) (Pty) Ltd (“Satrix”).

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