Funeka Ngewu, Head of Claims at Momentum Insure, says many consumers mistakenly assume all household possessions are automatically covered, warning that portable items, solar installations and underinsured valuables often fall into insurance gaps unless policies are regularly reviewed and updated.

Dr Fred Philippou, Financial Planner at Liberty, says rising unemployment, economic uncertainty and increasing household financial pressures are making financial protection more important than ever, with income protection, disability, critical illness and short-term insurance helping families maintain financial stability when unexpected events disrupt their ability to earn an income.

Rory Kutisker-Jacobson and Varshan Maharaj, co-fund managers of the Allan Gray Frontier Markets Equity Fund, argue that investors may be overpaying for the perceived safety of familiar developed-market assets, while attractive opportunities exist in undervalued frontier and emerging markets where risks are often mispriced relative to potential long-term returns.