Start with your goal
Before selecting a plan, define what the money is for, when you may need it, and how much volatility or uncertainty you can reasonably accept.
- Keep an accessible emergency reserve separate from investments.
- Invest only money you can leave committed for the stated period.
- Diversification can reduce concentration risk, but cannot remove risk.
Understand returns and risk
Investment outcomes can vary. A projection, target, historical result, or business performance figure is not a promise of return or capital protection. Read the plan briefing, duration, settlement terms, and risks before you proceed.
Make informed decisions
Compare plans against your time horizon and liquidity needs, not only an advertised opportunity. Keep your profile and withdrawal details current, and ask Support when something is unclear.
- Review your portfolio regularly.
- Avoid sharing passwords, PINs, or one-time codes.
- Be alert to pressure to invest immediately.