Our Specialist Range
For people who want a little bit “more”
We look after
people’s money
It’s something we’re
proud of and we like
to think we do very,
very well
It requires care, diligence, respect and,
above all, patience.
To support that we have created a suite of
investment vehicles, products, solutions
and services designed solely to meet your
needs and deliver to your expectations.
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That’s what makes us
Wealthsmiths™
Some people want real control over their investment choices; more
flexibility to create investment portfolios more suited to achieving
their objectives, more opportunity to get and feel involved.
Our Specialist Range is designed for those people.
People who want something “more”
Superior flexibility
Depending on your situation and
requirements, our Specialist Range
enables you to take control of your
investment choices, giving you
the flexibility to invest in a wide
range of assets such as shares,
regulated collective investments
and commercial property whilst
giving you the option to appoint an
investment professional to manage
your assets on your behalf or the
opportunity for you to manage
them yourself.
our
specialist
range
Dedicated support
Investment flexibility is no good
on its own. It only works if it’s
supported by the highest levels of
service and we make every effort to
make sure you get exactly that.
We recognise that your wealth is
precious and deserves our utmost
care and believe that you should
be able to pick up the phone to
someone who understands your
needs and is able to assist you
with any queries; someone who
makes you feel valued. We do all
our administration in-house so that
you’ll never be passed to someone
who knows nothing about you or
your investments.
Flexibility. Dedication. Innovation.
Innovative products
If you’re someone whose planning
requires that little bit “extra”, it
could be that one or more of the
investment vehicles that make up
our Specialist Range may help you
achieve your investment goals. But
they’re not suitable for everyone;
and we always recommend that
you talk to your Financial Adviser to
ensure that they’re right for you. If
you don’t currently have someone
to talk to about your financial affairs
please get in touch; we’re always
delighted to help and we’ll be able
to point you in the right direction.
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before we
get started...
Using an Investment Manager
Throughout this booklet, we refer to “your Investment
Manager”. With our Specialist Range it’s up to you
who manages your assets. You (by yourself or working
together with your Financial Adviser) could do it or you
could nominate a professional Investment Manager to
act on your behalf, either on a discretionary basis, or in
accordance with your instructions, depending on your
requirements.
As well as being able to introduce you to a Sanlam
Investment Manager, we work with many of the most
respected companies in the country and you can
find the details of these on our Listed Discretionary
Investment Managers document which is available in
the product section on our website. If your preferred
Investment Manager is not on the list, don’t worry; it’s
highly probable we can work with them too.
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your money.
Investment warning:
Your capital at risk
However you invest your money, there’s always going to be
an element of risk connected with it; whether that be erosion
in real terms against inflation or loss of value as a result of a
change in the markets.
Depending on the nature and
spread of your investments
you should always be prepared
to accept the associated
degree of risk and volatility.
For instance, if your investment
strategy has the potential for
greater than average growth
then you should be aware and
accept that the value of your
holdings may fall as well as
rise. The performance of funds
holding assets denominated
in foreign currency will also be
subject to variations in currency
rates. Your capital is at risk and
you may lose all of your money.
Tax treatment depends on
individual circumstances and
may be subject to change.
It is important that you and
your Financial Adviser properly
understand your appetite for
risk and capacity for financial
loss so that together you can
build an appropriate tailored
risk strategy; one that is suited
specifically to your needs.
your choice. your strategy.
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our
specialist
range The investment vehicles
The Versatile Investment Portfolio
Giving you tax efficient
investment flexibility
Some people just don’t want a simple “off the shelf” investment solution. They have existing share portfolios, particular needs or certain financial interests
that vary from the norm.
If you have a lump sum to invest and want greater control and flexibility over your investment
choices, our Versatile Investment Portfolio might just be for you. Unique in the UK, it allows you or
your Investment Manager to effectively invest into in a wide range of “allowable assets” (such as
shares, gilts and regulated collective investment schemes) appropriate to meeting both your needs
and your risk profile, whilst potentially offering you a number of additional taxation and financial
planning benefits depending on your personal circumstances.
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Protecting your money through the generations
The Versatile Investment Portfolio can
be a useful tool to help you and your
Financial Adviser with your inheritance
tax planning and the efficient transfer
of your wealth to your intended
beneficiaries by means of legal trusts.
Trusts are complicated and you should
always talk to your Financial Adviser
before following this path. We do all
that we can to provide all the necessary
support and guidance for them to assist
you properly.
Some things to consider
There’s no minimum investment term
attached to the Versatile Investment
Portfolio but you should only really
consider it as an option if you are looking
to invest your money for the medium to
long term (ideally 5 years or longer). You
may get back less than what you put in
as returns are not guaranteed. As with
any investment of this type, before you
make any decisions you need to think
about your tax position now and when
you’re likely to need your money; this is
where your Financial Adviser can help.
Investment options…
Customised Selection
Pinnacle Range
Accel Funds
Discretionary and Advisory Portfolio
Management
Stockbroking Services
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Our Specialist Range
continued
The Transfer Pension Portfolio
Protecting your benefits
and expanding your
investment choices
The pension and retirement landscape is constantly changing and, as a result,
many find that their retirement planning, current and historic, no longer meets
their needs.
The Transfer Pension Portfolio is aimed at existing investors whose benefits are held in a Section
32* and other types of deferred annuity contracts or have a company pension scheme that is being
wound up, and are looking for the potential of increasing their investment and retirement options
without loss of valuable benefits such as protected tax free cash and/or a protected pension age.
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*If you are unsure as to whether you have one of these contracts you should speak to your Financial Adviser.
Expanding your investment horizons
When it comes to investment options,
the Transfer Pension Portfolio sits you
firmly in the driving seat, giving you real
control over how and where your money
is invested.
Whereas many of the traditional
retirement plans that the Tranfer Pension
Portfolio seeks to replace offer only
limited investment opportunities, here
you will have access to a wide and
varied range of options. What’s more,
your choices can also be modified as
your investment needs change, thereby
ensuring that your retirement plan
remains bespoke to your particular
requirements.
Some things to consider
Our Transfer Pension Portfolio is not
suitable for all investors. You should
not consider transferring any existing
benefits into this product if you do not
fully understand the consequences of
doing so. With this in mind, you should
always seek advice from an appropriately
qualified Financial Adviser.
Investment options…
Customised Selection
Pinnacle Range
Accel Funds
Model Portfolio Service
Discretionary and Advisory Portfolio
Management
Stockbroking Services
Commercial Property
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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
your 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
Wealthsmiths™
Our work is never done.
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Our Specialist Range
continued
The OneSIPP
Putting you in control of your investments
and your future
Sanlam’s OneSIPP is a retirement savings vehicle which firmly puts you in the driving
seat when it comes to making investment decisions whilst giving you flexibility and
control as to how and when you decide to enjoy the benefits you have built up.
An award winning Self Invested Pension Plan, the OneSIPP has been designed to be as flexible
as possible, within HM Revenue & Customs’ guidelines. This means whilst you have a wide range
of options to invest in, such as shares, gilts and commercial property, we will not knowingly allow
investments which may incur a tax charge. Guidance on what you are allowed to invest in within your OneSIPP is available in the products section of our website or from your Financial Adviser.
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Flexibility in retirement
Some things to consider
When you decide to take your benefits,
you can choose to take part of your
pension fund and leave the rest invested,
use your entire fund to provide you with
an income or take all of your fund as
a cash lump sum (subject to potential
tax implications). To figure out what is
best for you, taking into consideration
your personal circumstances you should
consult your Financial Adviser.
If you’re transferring existing pension
funds into the OneSIPP, any benefits
or guarantees which applied to your
previous pension scheme, for example a
guaranteed pension or benefits on death,
will be lost.
Investment options…
Customised Selection
Pinnacle Range
Accel Funds
Model Portfolio Service
Discretionary and Advisory Portfolio
Management
Stockbroking Services
Commercial Property
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our
specialist
range The investment options
This is a brief summary of the investment options available to you through our
Specialist Range. Full details of these can be found in the product section of our
website along with the full list of “allowable assets” in our Investment Guide for
OneSIPP and our Permitted Investment Guide for the Versatile Investment Portfolio
and the Transfer Pension Portfolio. Alternatively ask your Financial Adviser for a copy.
The Customised Selection
Giving freedom of choice
Our Customised Selection enables you
to create and design your own fund,
investing in a range of allowable assets
including shares, regulated collective
investment schemes and gilts.
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You choose who manages these assets.
You (on your own or with the help of
your Financial Adviser) can manage the
fund if you wish or you can nominate
a professional Investment Manager to
manage these assets on your behalf
either on a discretionary basis, or in
accordance with your instructions,
depending on your requirements. It’s up to you.
Commercial Property
Innovative options for you and your business
You can invest in commercial property
via your OneSIPP and/or your Transfer
Pension Portfolio; an opportunity that
brings many benefits to certain types
of investor; and whilst all investments
and the options must meet HM Revenue
and Customs’ requirements, we offer
a choice of innovative ways in which
commercial property can be included
in your portfolio in order to enhance
the potential of your retirement and
financial planning.
The Pinnacle Range
The Sanlam Accel Funds
Selected by our investment experts for
both their exceptional track record and
strong potential future performance
and, with some of the fund links being
exclusive to us, we believe the funds
which make up our Pinnacle Range
are amongst the very best available
in the market; and the choice of this
investment option gives you the
opportunity to pick and choose.
The Accel Funds are a range of risk
targeted Managed Funds with the asset
allocation of each being designed to
deliver levels of risk and reward that
match a specific risk profile.
Offering exclusive
opportunities for you
Because the market never stands still,
neither does our Pinnacle Range. Our
experts periodically review the market to
ensure that our offering always contains
the freshest, most promising investment
opportunities available. These will almost
certainly include some of the specialised
smaller funds, increasingly demanded
by clients who require a more bespoke
investment choice.
Our Pinnacle Range has been sourced
from an array of asset managers,
covering all the major regions and
sectors. To do this yourself would not
only require expertise and time but
also having to “talk to the market”. By
investing in this range you only have
to deal with us and switching between
funds is currently free of charge.
Consistent risk management
to meet your requirements
Unlike many other managed funds they
are not benchmarked against other fund
managers but against a fixed range
of asset classes; a process which may
provide for a more consistent level of
risk in varying market conditions.
Your Model Portfolio Service
Investment Choice with
focused management
Using the funds available from the
Pinnacle Range, your appointed
Investment Manager will be able to
create, monitor, manage and review a
Model Portfolio which matches your
personal risk profile and financial
objectives.
As with the Accel Funds, your Model
Portfolio can be run in line with
our benchmarks, thereby ensuring
investment management closely aligned
with the amount of risk you would like
to take.
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Our UK wealth management business is part
of Sanlam Limited, the international financial
services group, which has been advising
clients around the world for nearly 100 years.
Valued at almost £10 billion*, employing over
15,000 individuals worldwide and managing
more than £45 billion** in client assets, the
Sanlam Group is an organisation with a
growing global presence.
*As at 16 March 2017
**As at 31 December 2016
In the UK we have a strong reputation for
innovative product development and design,
first class customer service and forward
thinking investment management. However,
we benefit greatly from the expertise of the
global group and its collective experience,
deepening our knowledge and strengthening
our offering.
Ours is an organisation built on a strong
foundation of shared vision and values.
We wish to achieve excellence; by always
knowing and doing what is right; by always
putting your needs first.
By always remembering that your wealth
is precious.
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part of a
world class
team
in your
community
We believe we have a duty of care; not only
to our clients and staff, but to everyone, for
the greater good of us all.
Your Sanlam Experience
We work hard to deliver our award winning
customer experience and always endeavour
to work to your expectations and deliver a
level of service of which we can all be proud.
Our people are always at the end of the
telephone to answer any queries you might
have and our specialist teams are able
to deal with all aspects of servicing your
Sanlam investment; from questions relating
to our products, to valuations and income
withdrawals.
The Sanlam Group has a long history of
supporting those in need, empowering
others with a hand up rather than a hand
out, focusing on, supporting and donating
to a wide range of both short term projects
and long term sustainable partnerships.
In the UK, we are committed to continuing
that tradition; providing financial assistance
to those in need through fund raising,
increasing awareness and engaging with
the community whenever possible. Our
policy of social responsibility is constantly
developing and we make every effort to
keep our clients and corporate partners
informed of everything we do.
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Next steps
e deliver Wealth Planning and investment management solutions; solutions focused solely
upon delivering to your objectives, meeting your needs and securing your position through
long term relationships built on understanding, empathy and trust.
Every relationship begins with a simple conversation. If you would like to learn more about Sanlam, the
services we offer and our plans for the future please ask your Financial Adviser or, if you are seeking advice
for the first time, please do get in touch using the options outlined in this booklet.
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We’d love to talk with you.
and finally...
Whilst this guide has provided you with an
introduction to the Specialist Range you should
visit our website www.sanlam.co.uk to read the
Key Features Documents and Terms & Conditions
in order to understand all the details associated
with each of the investment vehicles included
in the Specialist Range. You’ll be able to make
yourself aware of “who does what”, key features,
terms and conditions, charges and how they
are applied as well as the risk of investing in the
Specialist Range, something you need to consider
and understand. Your Financial Adviser will be
able to help you with any questions.
If you would find a paper copy more suited to
your needs please get in touch with us and we’ll
arrange that for you.
You should also ensure you receive a Key Features
Illustration from your Financial Adviser.
You could follow us on...
Look for Sanlam UK
We’d love to talk with you
[email protected]
Head Office:
St. Bartholomew’s House,
Lewins Mead,
Bristol, BS1 2NH
0117 926 6366
Sanlam & Sanlam Investments and Pensions are trading names of Sanlam Life &
Pensions UK Limited (SLP (Registered in England and Wales 980142)) and Sanlam
Financial Services UK Limited (SFS (Registered in England and Wales 2354894)).
SLP is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. SFS is
authorised and regulated by the Financial Conduct Authority.
1372/05.17
Registered Office: St. Bartholomew’s House, Lewins Mead, Bristol, BS1 2NH.