The Sanlam Namibia Absolute Return Fund aims to generating returns in excess of inflation, regardless of market conditions. The portfolio provides risk averse members with exposure to the Sanlam Namibian Inflation Plus Fund with a 100% capital guarantee, accompanied by minimal termination and switching restrictions. This is achieved through extensive use of derivative (hedging) instruments and the declaration of a monthly fully vesting bonus. At termination, the full value of net contributions plus declared bonuses is paid.