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​The information contained in this document does not constitute advice by the Liberty Group Limited, Envestpro, or any of their affiliates. Any legal, technical, or product information contained in this document is subject to change from time to time. If there are any discrepancies between this document and the contractual terms or, where applicable, any fund rules, the latter will prevail. Past performance cannot be relied on as an indication of future performance. Investment performance will depend on the growth in the underlying assets, which will be influenced by inflation levels in the economy and prevailing market conditions. Any recommendations made must take into consideration your client’s specific needs and unique circumstances. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the Liberty Group Limited, Envestpro (Pty) Ltd, or any of their affiliates.

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