Nairobi, Feb. 2 -- Our workforce patterns are altering as older members of the Generation Z cohort enter the workforce.

While they may not be considering financial investments since they have no significant financial responsibilities, they should instead be thinking about wealth creation or wealth protection.

However, given their limited discretionary income, it is wise for this group to put more of their attention into wealth preservation than wealth production, as the latter serves to increase one's wealth.

And the alternatives are endless and include buying stocks, bonds, treasury bills, money market funds, and other sorts of investments, whereas wealth preservation shields our loved ones from financial losses. This is where life in...