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Insurance & Wealth Protection

Protect the plan before optimising the portfolio.

Insurance transfers specific risks that could otherwise damage a family's financial plan. Consider health, life where dependants rely on income, disability/income risks where relevant and property/asset risks.

Insurance is different from investment. Evaluate protection amount, affordability, exclusions, waiting periods, claim conditions and policy suitability rather than treating premium paid as an investment return.

Educational content only. It is not a personalised investment recommendation, tax advice or a guarantee of future returns. Verify current scheme documents, tax rules and regulations before consequential decisions.