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Investments with Guarantees

Glacier Capital Enhancer

Full capital protection, enhanced return, uncapped upside and tax-efficiency. If you’re nervous of entering the market, you can get exposure to the growth potential of equities – without the volatility.

Plan Details

Find out more about this product.

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Get information about our solutions.

The Glacier Capital Enhancer is set up in a sinking fund policy underwritten by Sanlam Life Insurance Ltd, a Licensed Financial Services Provider.

Plan Details

R100 000 lump sum

A minimum of five years (the first five years are known as a ‘restricted period’) if taken through the Vantage Life Plan (sinking fund policy).

  • Your full investment amount is protected and you will receive at least your full initial investment amount at the end of the investment term
  • You will receive an enhanced return if the portfolio provides a positive return over the five years
  • There is an opportunity for high returns, even in a low return environment
  • Tax-efficient structure with no tax administration burden
  • You make a lump sum investment of at least R100 000
  • The investment is linked to the performance of a global portfolio of blue-chip stocks without currency risk
  • The capital protection and investment return are provided by leading global banks

During the five-year term, no withdrawals, switches or loans are allowed.

All returns earned will be taxed as capital gains at the end of the investment term, using the prevailing rates.

All fees are priced into the investment. No additional fees will be deducted separately and your full investment amount will therefore be invested.

Fees vary per product and your underlying investment. Please speak to your financial planner to make sure you pay the correct fees and that you understand which fees you pay and why.

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It is important to bear in mind that any investment has some risk. We therefore recommend that you consult a financial planner who can help you find the most appropriate products for your needs and circumstances.


Glacier Financial Solutions (PTY)LTD is a licensed financial services provider.
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