<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.5c -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: 8qs5s7xRiXgen8uAanVcSa2HaaPtxZZwmYkhsGt4HWk6vyYimEBsyCDgqQmGcSwJ -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:us-gaap="http://fasb.org/us-gaap/2026" xmlns:oef="http://xbrl.sec.gov/oef/2026" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:safit="http://safunds.com/20260630" elementFormDefault="qualified" targetNamespace="http://safunds.com/20260630">
    <annotation>
      <appinfo>
        <link:linkbaseRef xlink:type="simple" xlink:href="safit-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="safit-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="safit-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
    <import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd" />
    <import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/oef/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-2026.xsd" />
    <import namespace="http://xbrl.sec.gov/oef-sr/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-sr-2026.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd" />
    <import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
    <import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd" />
    <element id="safit_C000043580Member" name="C000043580Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000023891Member" name="C000023891Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000023892Member" name="C000023892Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000023893Member" name="C000023893Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000023894Member" name="C000023894Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000023895Member" name="C000023895Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000023896Member" name="C000023896Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000043578Member" name="C000043578Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000043579Member" name="C000043579Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_C000147796Member" name="C000147796Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.SFixedIncomeFundRegulatoryIndexMember" name="SAU.SFixedIncomeFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.SFixedIncomeFundAdditionalIndexMember" name="SAU.SFixedIncomeFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000015875Member" name="S000015875Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_RegulatoryIndexMember" name="RegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_AdditionalIndexMember" name="AdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAGlobalFixedIncomeFundRegulatoryIndexMember" name="SAGlobalFixedIncomeFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAGlobalFixedIncomeFundAdditionalIndexMember" name="SAGlobalFixedIncomeFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000008776Member" name="S000008776Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAUSCoreMarketFundRegulatoryIndexMember" name="SAUSCoreMarketFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000008777Member" name="S000008777Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.ValueFundRegulatoryIndexMember" name="SAU.S.ValueFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.ValueFundAdditionalIndexMember" name="SAU.S.ValueFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000008778Member" name="S000008778Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.SmallCompanyFundRegulatoryIndexMember" name="SAU.S.SmallCompanyFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.SmallCompanyFundAdditionalIndexMember" name="SAU.S.SmallCompanyFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000008779Member" name="S000008779Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAInternationalValueFundRegulatoryIndexMember" name="SAInternationalValueFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAInternationalValueFundAdditionalIndexMember" name="SAInternationalValueFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000008780Member" name="S000008780Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAInternationalSmallCompanyFundRegulatoryIndexMember" name="SAInternationalSmallCompanyFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAInternationalSmallCompanyFundAdditionalIndexMember" name="SAInternationalSmallCompanyFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000008781Member" name="S000008781Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAEmergingMarketsValueFundRegulatoryIndexMember" name="SAEmergingMarketsValueFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAEmergingMarketsValueFundAdditionalIndexMember" name="SAEmergingMarketsValueFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000015873Member" name="S000015873Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SARealEstateSecuritiesFundRegulatoryIndexMember" name="SARealEstateSecuritiesFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SARealEstateSecuritiesFundAdditionalIndexMember" name="SARealEstateSecuritiesFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000015874Member" name="S000015874Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAWorldwideModerateGrowthFundRegulatoryIndexMember" name="SAWorldwideModerateGrowthFundRegulatoryIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAWorldwideModerateGrowthFundAdditionalIndexMember" name="SAWorldwideModerateGrowthFundAdditionalIndexMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_S000047149Member" name="S000047149Member" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_CorporateBondsandNotesMember" name="CorporateBondsandNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_U.S.GovernmentAgencyObligationsMember" name="U.S.GovernmentAgencyObligationsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_YankeeCorporateBondsandNotesMember" name="YankeeCorporateBondsandNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SovereignBondsAndNotesMember" name="SovereignBondsAndNotesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SupranationalMember" name="SupranationalMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_OthersMember" name="OthersMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SpecializedREITsMember" name="SpecializedREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_RetailREITsMember" name="RetailREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_HealthCareREITsMember" name="HealthCareREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_ResidentialREITsMember" name="ResidentialREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_IndustrialREITsMember" name="IndustrialREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_HotelResortREITsMember" name="HotelResortREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_OfficeREITsMember" name="OfficeREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_DiversifiedREITsMember" name="DiversifiedREITsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_DFAInternationalSmallCompanyPortfolioClassInstitutionalMember" name="DFAInternationalSmallCompanyPortfolioClassInstitutionalMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAInternationalValueFundMember" name="SAInternationalValueFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.ValueFundMember" name="SAU.S.ValueFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.CoreMarketFundMember" name="SAU.S.CoreMarketFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAGlobalFixedIncomeFundMember" name="SAGlobalFixedIncomeFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.FixedIncomeFundMember" name="SAU.S.FixedIncomeFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAU.S.SmallCompanyFundMember" name="SAU.S.SmallCompanyFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SAEmergingMarketsValueFundMember" name="SAEmergingMarketsValueFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="safit_SARealEstateSecuritiesFundMember" name="SARealEstateSecuritiesFundMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
