Liberty has launched a unique structured investment opportunity that lets South Africans invest in a carefully selected portfolio of global AI-driven companies.
This offering comes alongside a seventh tranche of the insurer’s popular Structured Global Performer portfolio, which offers opportunities in some top-performing international companies.
In launching these updated offerings Liberty says the demand for structured investments has grown, particularly among affluent investors seeking offshore exposure while maintaining a degree of capital protection. These solutions offer a balance between growth potential and downside protection, making them ideal for investors navigating through uncertain markets.
AI investing for the long-term
The new Liberty Structured Global Performer AI V1 portfolio is based on the MSCI Global Artificial Intelligence 5% Decrement Index, which tracks companies that form part of the broader AI ecosystem.
This includes businesses enabling AI through their products and services, as well as those integrating AI to enhance their core operations.
“AI is transforming how we live, learn, and work. From an investment perspective, it represents one of the most significant growth themes of our time,” says Luvhani Makoni, lead specialist for investment propositions at Liberty.
Taking your money global with Liberty
Alongside this opportunity to invest in AI-aligned companies, Liberty is also offering a seventh tranche of its popular Structured Global Performer portfolio, which focuses on exchange leading companies in the US and Europe with an equal weighting of 50% to both the American S&P 500 and the Euro Stoxx 50 indices.
“This basket of indices has been part of Liberty’s proposition since 2018, with previous structures delivering on the promised minimum returns at their respective maturity dates,” Makoni says.
The advantages of investing with Liberty
The AI V1 portfolio offers indicative yields of 12.50%* per annum for individuals and 11.38%* per annum for companies, while the Global Performer V7 offers 7.15%* per annum for individuals and 6.46%* per annum for companies.
There are also allocation enhancements, a 1% allocation enhancement for lump sum investment amounts over R1m and 2% for lump sum investment amounts over R3m.
In terms of capital protection, downside protection applies if the basket does not fall by more than 30% over the five-year term**. And there is no currency risk, as the investment is denominated in rands.
These structured portfolios are offered via an endowment; Liberty’s Evolve Investment Plan and Evolve Investment Plan (Sinking Fund) which provides clients with tax efficiency and helps them with estate planning.
The closing date for contributions to both investments is November 28 2025 and the minimum entry amount is R250,000.
Both portfolios are fixed-term products over five years, giving investors clarity on potential outcomes and peace of mind.
Speak to a Liberty financial adviser to learn how these innovative solutions can fit into your financial plan and help you access global growth opportunities.
* The returns mentioned above are subject to market conditions at the strike date. Liberty will confirm the final return % one week after the strike date. The returns are net of tax and fees and are denominated in rands.
** Other return scenarios do apply.
Disclaimer: This article does not constitute tax, legal, financial, regulatory, accounting, technical or other advice. The material has been created for information purpose only and does not contain any personal recommendations. While every care has been taken in preparing this material, no member of Liberty gives any representation, warranty or undertaking and accepts no responsibility or liability as to the accuracy, or completeness, of the information presented. Please consult your financial adviser should you require advice of a financial nature and/or intermediary services. Liberty Group Limited is a Licensed Life Insurer, an Authorised Financial Services Provider (no 2409) and part of the Standard Bank Group. Terms and Conditions, Risk and Limitations apply.
Structured Portfolio are only available on the Evolve Investment Plan and the Evolve Investment Plan (Sinking Fund).
About Liberty: Liberty is a wholly owned subsidiary of The Standard Bank Group and is currently one of the largest providers of long-term insurance solutions to South Africa’s retail affluent market. With a strong and relevant brand of more than 60 years, Liberty offers an extensive, market-leading range of products and services to help clients build and protect their wealth and lifestyle. This is enabled by Liberty’s 3,000-strong tied distribution force that expertly equips customers with knowledge to make financial decisions that add value throughout their various life stages. Liberty’s incorporation into Standard Bank provides synergies and advantages not only in South Africa but across the African continent, positioning Liberty as an integral part of a universal financial services organisation focused on delivering exceptional customer experiences and superior value. Liberty’s wholly owned asset manager STANLIB is one of the biggest retail unit trust managers (including money market) in South Africa, with award-winning capabilities in property and fixed income, who together with their market-leading offshore partners are able to provide unique investment opportunities for clients. Liberty Group Ltd is a licensed life insurer and an authorised financial services provider.
Top image: user6702303 via Freepik.com.
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