Sanlam Global Investment Plan

© 2016 Sanlam Global Investment Solutions, Ltd. All Rights Reserved. SGIS SGIP - 04/2016

to help you get the most from your investments by giving you choice An offshore investment plan that provides you with

an opportunity to invest your capital in a wide array

of investment options, including:

• Sanlam Managed Risk (SMR) strategy

• Model Portfolio Service

• Active and passive funds from some of the

world’s leading asset managers

Investing offshore through a trust structure

established in Bermuda provides stability and the

opportunity to build and grow a nest egg for future

generations or for you should you need it.

There are of course risks to investing in the global

markets, but this plan offers multiple investments

options including a solution designed to help

manage that risk.

Sanlam GlobalInvestment Plan

benefits ofoffshore investing

investing away from your owncountry of residence can have significant benefits, with many people choosing Bermuda

Estate planning

It is important to know that future

generations will be provided for

with the wealth you have

accumulated. Offshore investing

via a trust structure allows the

beneficiaries designated by you to

receive your assets without going

through a possibly lengthy and

expensive probate.

Trust Participation

Investments are held by a sub-trust formed in

Bermuda on behalf of each investor, which

ensures that all investments will be safeguarded

and governed by applicable Bermuda law.

Each sub-trust is a separate legal entity, and as

such, its assets are effectively insulated from

the general creditors of the trustee or other

sub-trusts.

Beneficial transfer of assets

As investments are held by a trust through a trustee, confidentiality is protected, while

the power to designate a beneficiary remains in the hands of the plan holder.

Asset protection

Assets in the plan are linked to a segregated account. The ability to maintain assets in

a segregated account can be a very valuable tool as it insulates the assets from

creditors of the company and other segregated accounts.

Stability

It is important to know that investments in the Plan are held

in sub-trusts governed by the laws of Bermuda, a politically

stable jurisdiction recognized as a premier blue-chip

international business center.

The Bermudian trust and financial services industry goes

back almost one hundred years. Their deep and wide

experience helps investors from around the world.

The business environment is particularly well-attuned to the

finance sector as a result of the island’s long-term policy of

promoting itself as an international financial centre,

accompanied by a well-developed regulatory structure,

including the Bermuda Monetary Authority (the regulator of

Bermuda's financial services sector).

Bermuda has followed Western European standards In

terms of its business and communications infrastructure.

The financial security and political and economic stability of

Bermuda, allows investors the opportunity to diversify the

location of their assets in times of economic and

geopolitical risk.

benefits of the Sanlam GlobalInvestment Plan

In addition to the benefits

of offshore investing

through a Bermuda trust,

the Plan also provides

some exceptional features

The plan provides a wide array of

investment options to enable clients to

diversify their investments with active or

passive funds from some of the world’s

leading asset managers, or the choice of

three Model Portfolios utilizing the

aforementioned funds. In addition to these

other world class asset managers, Sanlam

Managed Risk (SMR) is a solution designed

to help manage that risk of investing in the

global markets.

Multiple Investment Options

The Plan is made available by Sanlam Global

Investment Solutions, Ltd., a member of Sanlam Group,

and the services of world class companies are included

in the Bermuda trust structure.

Sanlam is a leading financial services group with a

market cap of over US$ 11 billion, over US$ 50 billion

in AUM and a AA- Fitch rating. For nearly 100 years

Sanlam has provided financial solutions to individual

and institutional clients across the globe. Since it was

established in 1918, Sanlam has grown into a

diversified financial services group, offering clients a

journey for life for their financial needs.

Stability

World Class Service Providers

The custodian of the assets in each sub-trust is HSBC

Bank Bermuda Limited and the trustee is Appleby

Services (Bermuda) Ltd.

HSBC is one of the world’s largest banking and

financial services organizations with around 48

million customers. It has over 100 years of global

custody experience.

The Appleby Fiduciary Group is one of the world’s

largest providers of offshore fiduciary and

administration services as ranked by The Lawyer

2013 Offshore Survey.

The Fund provides access to global markets in the

simple and cost effective UCITS IV fund structure with

SMR built in.

The objective of the Fund is to provide long term

capital growth through exposure to global markets.

The fund also utilizes a risk management strategy

designed to reduce volatility and minimize losses in

declining markets.

SMR FundThe Fund invests in equities of global markets

including: the United States, Canada, United Kingdom,

Austria, Belgium, Denmark, Finland, France, Germany,

Greece, Ireland, Italy, the Netherlands, Norway,

Portugal, Spain, Sweden, Switzerland, Japan and the

Pacific ex. Japan region.

Currencies:

USD, GBP

SMR FundWe understand it is important for clients to have a clear understanding of the amount their investment

is at risk of losing and for them to have the comfort that there is a systematic process in place that aims

to prevent further major losses.

With that in mind, the Sanlam Smooth Portfolios were created to provide clients with global equity

exposure with 2 risk management strategies built in.

1. Floors – aims to prevent the Portfolio’s value from declining past predetermined levels

2. SMR – aims to reduce volatility and the impact of significant and sustained market declines

The differentiation in the Portfolios is based on “Floors”.

Two Risk Management Strategies CombinedWhat this means is that in declining markets clients will benefit from 2 risk management strategies – to

defend their investment – that can reduce equity exposure to below 10%, while in rising markets the

Portfolios can be up to around 95% exposed to equities.

SMR Select allows you to choose from a wide array

of funds from some of the world’s leading asset

managers to provide equity exposure with an SMR

overlay.

Clean share class funds

Funds in the SMR Select option are “clean share

class” funds (i.e., no trail fee), typically resulting in

a lower annual management charge (AMC) than

other share classes.

Some of the managers available in the SMR Select

line-up:

SMR Select

AB

Aberdeen

BlackRock

Fidelity

Franklin Templeton

Invesco

Investec

Janus

JP Morgan

MFS

Pioneer Investments

Schroder

SMR SMR an investment strategy designed to reduce volatility and the impact of significant and sustained market declines. It also allows dynamic participation in rising markets giving investors the confidence to stay invested for the long-term. There are 3 investment options:

Smooth Portfolios

•

•

•

•

Suitable for investors looking for‘moderate’ growth but concernedwith capital preservationAims to maintain a minimum of85% of the portfolio value

Sanlam Smooth Portfolio – Accumulator

Suitable for investors looking formore ‘aggressive’ growth butconcerned with capital preservationAims to maintain a minimum of75% of the portfolio value

Sanlam Smooth Portfolio – Preserver

85% 75%

Investment Options

The Sanlam Global

Investment Plan offers a wide

array of investment options,

including the SMR strategy,

a model portfolio service and

active and passive funds from

some of the world’s leading

asset managers.

For more detailed information on these investment options,please contact your financial advisor

The world of investments can be difficult to navigate, with

thousands of funds to choose from.

Our Model Portfolio Service provides a simple choice of three

risk-profiled model portfolios.

Each portfolio invests in a range of asset classes to help

provide diversification. The portfolios are constructed using

strategic asset allocation, the benefits of which are:

The portfolios are constructed using passive and active funds

from world class asset managers.

Systematic process using a mathematical optimization algorithm to set allocationsConcept is similar to a "buy and hold" strategy, rather than an active trading approachSimple quarterly rebalancing

Model Portfolio ServiceA range of funds from world class asset managers. The

funds provide a cost-effective, transparent solution as

they are “clean share class” funds (i.e., no trail), typically

resulting in a lower annual management charge (AMC)

than other share classes.

Some of the managers whose funds are available include:

Third Party Funds

3.0%

83.0%

14.0%

Suitable for investors looking for ‘conservative’ growth.

MPS - Conservative Portfolio

Suitable for investors looking for growth.

MPS - Growth Portfolio

5.0%

15.0%

44.0% 36.0%

Suitable for investors looking for ‘moderate’ growth.

MPS - Balanced Portfolio

23.0%

6.0%

15.0%

56.0%

Fixed Income Equity Asset Allocation Sector

AB

Aberdeen

BlackRock

Fidelity

Franklin Templeton

Invesco

Investec

Janus

JP Morgan

Legg Mason

MFS

New Capital

Pioneer Investments

PIMCO

Schroder

These funds offer access to a variety of asset types across

different sectors and geographical areas. These include:

North America Equity

Global Equity

European Equity

Asian Markets Equity

Emerging Markets Equity

Asset Allocation Funds

Fixed Income / Liquidity

Commodities

Sector

Real Estate

For the latest line-up of funds, please see the Fund List included in this brochure. For detailed fund information and AMCs, please refer to each fund's fact sheet and prospectus (ask your Financial Advisor for details).

Investment Options

The Sanlam Global

Investment Plan offers a wide

array of investment options,

including the SMR strategy,

a model portfolio service and

active and passive funds from

some of the world’s leading

asset managers.

For more detailed information on these investment options,please contact your financial advisor

Sanlam GlobalInvestment Plan

Plan Facts

Plan information

Plan provider: Plan structure:

Ownership:

Withdrawals:

Switches betweenunderlying funds:

Minimum plan value:

Currencies:

Plan fees, investment minimums and charges:

Systematic Income available:

Beneficiary transfer of assets:

No initial sales charge:

Attractive liquidity:

Pricing:

Clean share/Institutional priced funds

Phasing-in of investments (DCA):

Sanlam Global Investment Solutions, Ltd.

Bermuda Trust Participation

Individuals, Companies, Trusts

Multiple withdrawals of a minimum 5,000 (USD/EUR/GBP).Regular withdrawals (monthly, quarterly, half-yearly or annually).Redemption fees may apply. Please speak to your Financial Advisor for details.

Minimum 1,000 USD/GBP/EUR. Four free switch forms per annum (each form allows multiple switches). Charges will apply should the number of switch forms exceed four per annum.

Minimum 40% of original investment amount must be retained in a Plan in order for the Plan to remain in effect.

USD, GBP, EUR

Details to be provided by your Financial Advisor

Monthly, quarterly, semi-annually, annually

Designation of beneficiaries

100% investment allocation

60% to 100% penalty free liquidity dependent on plan term

Daily NAV

Typically lower annual management charges (AMC) than other share classes

3, 6 or 12 months

Sanlam is a leading financial services group, originally established as a life insurance company in 1918. It

was demutualized and listed on the Johannesburg Stock Exchange in 1998. Headquartered in Cape Town,

South Africa, it has offices throughout South Africa and business interests elsewhere in Africa, Europe,

India, USA and Australia employing more than 17,000 staff.

Sanlam provides financial solutions to individual and institutional clients. These solutions include

investments, asset management, stockbroking, capital market activities and traditional life and general

insurance. These solutions are provided to various segments of the markets and offer the solutions from a

number of mutually dependent business entities in the Group.

From a life insurance company established in 1918, Sanlam has, in short, grown into a diversified one-stop

financial services group, offering clients a journey for life for their financial needs.

AA- (zaf) Rated by Fitch Over US$ 50 billion in AUM Market cap of over US$ 11 billion

It’s not a word you’ll find in any dictionary; it’s a simple description of

what we do and what we believe in.

It’s an attitude. An ethos.

An understanding that nothing worthwhile can ever be hurried.

It’s a promise that we’ll never be afraid of good old fashioned hard

work; that there are no short cuts that don’t cut you short and that

when there is work to be done it’s worth doing very, very well.

And whilst we want to do well we also want to do good, because how

much money we make will never be the sole measure of our success.

It’s diligently focusing on our own trade, which is turning clients’

money into meaning.

Whether it’s a lot or very little; to make it work and make it work hard

so that it can be transformed into something more.

And we do it with great pride.

This is what makes us

Our work is never done.

Sanlam Global Investment Plan

This brochure was developed to provide a brief description of the terms and features of the Sanlam Global Investment Plan and its

underlying investments. For more complete information, please read the Plan Terms and Conditions and fund prospectuses carefully before

investing. Please ask your Financial Advisor for a copy of these materials.

Past performance is not a guide to future performance. Investments made through the Sanlam Global Investment Plan can go down as well

as up, as a result of changes in the value of the underlying investments and currency fluctuations. Investment in any of the funds involves

risks which are described in the respective prospectus. Please review the current prospectus for each fund as well as complete information

on the Sanlam Global Investment Plan before investing. Please ask your financial advisor for a copy of these materials. Investors must make

their own independent decisions regarding any strategies or securities or financial instruments mentioned herein.

Investments with and without Sanlam Managed Risk are subject to market risks. Investments can go down as well as up as a result of

changes in the value of the investments. There is no assurance or guarantee of capital or performance. Investors may lose money, including

possible loss of capital. Past performance is not a guide to future performance.

The SMR Portfolios consist of various equity funds, and each has a distinct investment risk profile. The Portfolios are reviewed on a regular

basis and each is subject to rebalancing as determined by the portfolio manager. Neither Sanlam Global Investment Solutions, Ltd. nor the

portfolio manager make any representations that the portfolios or services referenced herein are suitable or appropriate for every investor.

The value of investments can go down as well as up and may also be affected by exchange rate variations. There is no guarantee of future

performance. Portfolios may drop more in value than intended.

Any discussion of risks contained herein with respect to any portfolio or service should not be considered to be a disclosure of all risks or a

complete discussion of the risks involved. Investors must make their own independent decisions regarding any strategies or securities or

financial instruments mentioned herein.

This brochure does not constitute an offer or solicitation to anyone in any jurisdiction in which an offer is not authorized or to any persons

to whom it is unlawful to make such an offer or solicitation. The Sanlam Global Investment Plan is not available to citizens or residents of the

United States or Bermuda. This material is not to be distributed to any person while such person is physically present in the United States.

© 2016 Sanlam Global Investment Solutions, Ltd. All Rights Reserved. SGIS SGIP - 04/2016