Sanlam’s investment products are designed to help you meet your financial goals while considering your specific needs and preferences. They offer personal investment plans that cater to all kinds of investors—whether you are a seasoned professional or someone just starting.
Their offerings include:
- Tax-Free Savings Accounts: A tax-efficient way to grow your money.
- Unit Trusts: Invest in a variety of portfolios managed by experts.
- Retirement Annuities: Secure your future with retirement savings.
- Share Trading: Directly invest in the stock market with Sanlam’s share trading platform.
How Much Do You Need to Invest in Sanlam?
Sanlam makes investing accessible, with low barriers to entry. You can start investing with as little as:
- R500 per month for regular investments.
- R10,000 lump sum for a one-time contribution.
This flexibility allows investors to choose what works best for their budget, making Sanlam ideal for both new and seasoned investors.
Sanlam Investment Products
- Sanlam Tax-Free Savings Account A Tax-Free Savings Account (TFSA) at Sanlam is a powerful way to grow your wealth. With no tax on interest, dividends, or capital gains, your money grows faster than in a regular savings account. You can contribute up to R36,000 per year (R500,000 over a lifetime) without incurring taxes, which maximizes your returns.Key Benefits:
- Withdraw money anytime without penalties.
- No tax on your earnings.
- Unit Trusts Sanlam’s unit trusts allow you to pool your money with other investors to access a diversified investment portfolio managed by professional fund managers. These funds invest in different asset classes like equities, bonds, and property, providing a balanced mix of growth and stability.Key Benefits:
- Low minimum investment amounts.
- Professional management.
- Flexible withdrawal terms.
- Sanlam Share Trading For those who want to take a more active role in their investments, Sanlam offers a platform for buying and selling shares. With access to the Johannesburg Stock Exchange (JSE) and other global markets, investors can diversify their portfolios and potentially earn higher returns.
- Retirement Annuities Investing in a Sanlam retirement annuity helps you save for retirement with significant tax benefits. Your contributions are tax-deductible up to a certain limit, and the returns on your investment are tax-deferred until retirement.Key Benefits:
- Long-term growth.
- Tax-efficient savings.
- Security for your future.
How to Get Started with Sanlam Investments
Getting started with Sanlam is straightforward:
- Determine Your Investment Goals: Understand what you are saving for, whether it’s a short-term goal, retirement, or wealth accumulation.
- Choose the Right Investment Product: Based on your goals and risk tolerance, select from Sanlam’s wide range of investment products.
- Start Small: If you’re new to investing, start with a small, regular contribution, such as R500 per month, to get used to the process.
FAQs About Sanlam Investments
1. How much do I need to invest in Sanlam?
You can start investing from as little as R500 per month or make a R10,000 lump sum contribution.
2. Can I access my money anytime?
Yes, most of Sanlam’s investment products allow you to withdraw your funds when needed, though some may come with conditions like retirement annuities.
3. Are there tax benefits when investing with Sanlam?
Yes, several Sanlam products, including their Tax-Free Savings Accounts and Retirement Annuities, offer significant tax advantages.
Overview of Public Universities in South Africa
Here's an overview of some public universities in South Africa, including general admissions requirements and estimated application periods. Keep in mind, specific program requirements and dates can vary significantly, so it's important to check each university's official website for the most current information.
University of Pretoria
- Admissions Requirements: National Senior Certificate with minimum scores in specific subjects related to the chosen program; for international students, equivalent qualifications.
- Application Period: Usually opens in March and closes at the end of July for most programs.
University of Cape Town
- Admissions Requirements: National Senior Certificate with pass levels required for degree study; subject-specific requirements depending on the program.
- Application Period: Application opens in April and closes at the end of July.
Stellenbosch University
- Admissions Requirements: National Senior Certificate with required marks; some programs have additional testing.
- Application Period: Opens in March and typically closes at the end of June.
University of the Witwatersrand
- Admissions Requirements: Matriculation certificate with university exemption; required scores vary by faculty.
- Application Period: Begins in March and ends on the 30th of September.
University of Johannesburg
- Admissions Requirements: Matric exemption with a minimum APS score; specific subject requirements based on the faculty.
- Application Period: Opens in April and generally closes by the 30th of September.
University of the Free State
- Admissions Requirements: National Senior Certificate with specific marks for the program applied to; additional requirements for certain courses.
- Application Period: Typically opens in April and closes at the end of August.
University of Venda
- Admissions Requirements: Completion of the National Senior Certificate with an endorsement for diploma or degree studies; specific APS scores needed.
- Application Period: Usually from May to September.
University of Fort Hare
- Admissions Requirements: National Senior Certificate with university exemption; certain programs may have specific requirements.
- Application Period: Opens around May and closes at the end of September.
University of the Western Cape
- Admissions Requirements: National Senior Certificate with specific performance levels; additional requirements for certain programs.
- Application Period: Generally from May to September.
North-West University
- Admissions Requirements: National Senior Certificate with university exemption; program-specific requirements may apply.
- Application Period: Opens in March and usually closes by the end of August.
Rhodes University
- Admissions Requirements: National Senior Certificate or equivalent; minimum academic performance in certain subjects.
- Application Period: Applications open in April and close at the end of September.
Nelson Mandela University
- Admissions Requirements: National Senior Certificate with required scores for chosen programs; portfolio or additional tests for some faculties.
- Application Period: Opens in April, with a deadline at the end of August for most programs.
Cape Peninsula University of Technology
- Admissions Requirements: National Senior Certificate with specific scores; additional requirements for certain courses.
- Application Period: Opens in May and typically closes by the end of September.
University of Limpopo
- Admissions Requirements: Senior Certificate with endorsement for diploma or degree courses; specific APS scores for different programs.
- Application Period: From April to September.
University of Zululand
- Admissions Requirements: National Senior Certificate with an endorsement for bachelor’s degree studies; specific score requirements for various programs.
- Application Period: Usually between April and November.
Central University of Technology
- Admissions Requirements: National Senior Certificate with specific scores for the chosen field of study; additional criteria for certain programs.
- Application Period: Application period generally starts in May and ends in October.
Vaal University of Technology
- Admissions Requirements: National Senior Certificate with a pass that qualifies for admission to bachelor’s degree, diploma, or higher certificate programs.
- Application Period: Typically from May to September.
Walter Sisulu University
- Admissions Requirements: National Senior Certificate with required scores for chosen programs; additional criteria for certain faculties.
- Application Period: From April to September.
This list provides a starting point for understanding the admissions landscape across South Africa's diverse higher education institutions. Given the variability in programs and requirements, it's crucial to consult each university's website for the most accurate and up-to-date information.