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Bear Market Risks

Minimise investment risks

Think you can do it – Think again.

Well not to discourage you in any way, If you are an expert at investing, picking market cycles and exiting the market to make the most of the growth of your investment and, have the discipline not to dip into designated account when a real need arises and be able to negotiate group rates with health providers. Then you are good.

We congratulate you. In fact, you are the kind of person we would love to learn from.
Consider this for a moment.

The average cost per day over a period of 10 years of contributing $5/day with all the costs of the scheme including platform fee assuming no spend on extras health is $1.83 with a net saving of $11,552.71 to show for it even with the current interest rate of “0”% If you were spending $1000 per year over the period of 10 years contributing $5/day with all the costs of the scheme including platform fee is $1.20 with a net saving of $ $5,902.32 to show for it even with the current interest rate of “0” % At XHP, we believe in minimising risk, especially when the cost of doing so does not cost an arm and a leg. We believe that investments that are a source of security should be in the category of low risk. From time cash deposits have always been the safest bet, but returns are also low. This removes the stress of your money disappearing should the high-risk investment not pay off at the time of your need or the fact that you dipped into your nominated account to make ends meet.



XHP investments are cash deposits that are low risk and not subject to market volatility

Information provided is General Information only. Your personal circumstances have not been considered and does not constitute financial, legal, accounting or tax advice. Past performance is not indicative of future performance. Information used here is based on assumptions as above and as having occurred in the past, is not a future forecast. Account balance calculation is based on no spend for health with either PHI or XHP. The return for health insurance assumes no claim on a health insurance policy over the relevant period. No value has been attributed to holding a health insurance policy in the relevant period however it may be desirable to hold health insurance based on your personal circumstances.

Proudly Australian for Australians

Australian Owned and Operated


Suite2, 36 Macaree Street,
Berserker, Rockhampton,
Queensland 4701
Phone (07) 4807 6424
Email [email protected]

Xtras Health Plan Ltd – AFSL500574
Xtras Health Plan Savings Scheme – ARSN 627076411
Xtras Health Plan Ltd – ACN 618020885

Xtras Health Plan Savings Scheme (Xtras) is not an insurance policy and you should consider your personal circumstances before deciding whether to open an account. Funds deposited to an account will not be eligible for a private health insurance rebate. Xtras may be considered as a replacement for or to act supplementary to private health insurance depending on your personal circumstances. Xtras Health Plan Ltd does not warrant that Xtras is suitable for your personal circumstances and you should consider your health and financial needs before deciding whether to open an account. There is a risk that you may have insufficient funds in your account to meet the costs of health treatment depending on the treatment required and amount deposited to your account.

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