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Glacier International Global Investment Plan
Benefit from tax-efficiency and liquidity while you invest in a range of investment choices denominated in foreign currencies.

Invest for a minimum of five years in a combination of investment options, and let your investment continue after your death by nominating a beneficiary for ownership.

Plan Details

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Plan Details
US$ / € / ₤ / AUD / CHF 25000 lump sum
PLUS additional transfers of US$ / € / ₤ / AUD / CHF 5000
The initial term is five years, during which withdrawal amounts will be limited. Thereafter the investment becomes open-ended. If the policy continues in the name of a new owner, the policy benefit will not form part of the estate, simplifying the estate's administration.
You have total freedom to change your underlying investments and there are no charges for the first four changes in a year. The minimum amount that can be switched is US$ / € / ₤ / AUD / CHF 1000.
You can customise your investment according to your specific requirements by investing in any one, or a combination of investment options.

FUNDS
GUIDED

Navigate fund range and Optimised Model Portfolios

Choose from a carefully selected range of funds and model portfolios from companies with strong histories and performance records.

More about Navigate Optimised Model Portfolios
SELF-DIRECTED

Self-directed fund range

Select your own collection of funds or model portfolios from a comprehensive range that stretches across global asset classes and regions.
SHARES
GUIDED

Managed portfolio of shares

Purchase a portfolio of shares that is managed by professional investment managers, according to a specific mandate agreed with you.

More about Navigate Optimised Model Portfolios
SELF-DIRECTED

Own selection of shares

Purchase your own selection of shares.
  • You have the flexibility to choose from guided or self-directed solutions
  • You can switch between investment options as the markets and your needs change
  • A loved one can continue with your investment after your death
  • Tax administration is taken care of by Glacier International
  • You can make multiple withdrawals during the initial five-year period, and thereafter
  • If you nominated a beneficiary for ownership, the value of the policy is excluded from executor fee calculations. The policy is also not subject to the charges and delays related to the legal administration of an estate
  • Processes are simple and transparent, because all instructions are processed through one central point in South Africa
  • You make a lump sum investment
  • We invest the money in the underlying investments that you choose in collaboration with your financial advisor
  • Your money can grow over time based on your underlying investments
  • Ad hoc withdrawals are allowed but depend on the liquidity of the underlying investments
  • You cannot make regular or scheduled withdrawals
Sanlam Life pays tax on the proceeds from the plan, which means all proceeds you receive are tax free.
Please speak to your financial advisor to make sure you pay the correct fees and that you understand which fees you pay and why.
Get Advice

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.






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Glacier International is a division of Sanlam Life Insurance Ltd | A Licensed Financial Services Provider | A member of the Sanlam Group.
The Glacier Offshore Investment Plan is administered by Glacier Financial Solutions, a licensed administrative Financial Services Provider.