Recent global events have introduced renewed uncertainty into financial markets, prompting sharp movements across shares, commodities and other asset classes.
While headlines can feel unsettling, periods of volatility are a normal part of investing.
For superannuation members, it’s important to remember that super is a long-term investment. Market ups and downs are expected along the journey – and history shows markets have tended to recover as uncertainty eases.
What does this mean for your super?
Making significant changes in response to short-term market movements – particularly switching to cash after markets have fallen – can lock in losses and reduce long-term returns. Some of the strongest recovery days often occur during periods of heightened volatility, and missing those rebounds can have a meaningful impact on retirement savings.
Staying disciplined and focused on long-term goals remains key.
Watch this helpful video about super and market volatility.
Do you need to change your investment?
You may not need to change anything. However, if you haven’t reviewed your investment mix in some time, it could be a good opportunity to check whether it still aligns with your goals, timeframe and comfort with risk.
Switching to more conservative options after a downturn may feel safer, but it can limit your ability to participate in a recovery. A conversation can help you make a considered decision rather than a reactive one.
If you’re retired and drawing an income
Drawing an income from investments that have recently fallen in value may affect your balance.
Depending on your circumstances, you might consider:
- Temporarily reducing your income payments
- Drawing on available cash savings instead
- Reviewing whether your current investment option remains appropriate
Every situation is different, so personalised guidance can help clarify your options.
How NGS manages market volatility
NGS Super’s investment approach focuses on long-term growth while managing risk through diversification. Investments are spread across a range of asset classes so the portfolio isn’t reliant solely on share markets.
We aim for growth while managing risk. We do this by investing across many areas like:
- Gold – which often responds differently to market conditions compared with shares
- Government bonds – to help protect your super during economic slowdowns.
- Hedging strategies – to reduce the impact of falling markets.
- Alternative assets – like infrastructure and private credit, for more stable returns.
- Emerging markets – for example, investing in Chinese equities for diversity alongside developed markets
This diversified approach is designed to help manage market fluctuations while supporting long-term growth.
Talk to a Super Specialist
If you’re feeling uncertain, you can speak with a Super Specialist for a complimentary chat about your super, investments, insurance or transition to retirement. Seeking guidance can help you feel informed and confident about your next steps.
Discover more at https://www.ngssuper.com.au/insights/investment/protecting-your-super-at-ngs
This information is general information only and does not take into account your objectives, financial situation or needs. Before acting on this information, or making an investment decision, consider whether it is appropriate to you and read our Financial Services Guide, Product Disclosure Statements and Target Market Determinations. You should also consider obtaining financial, taxation and/or legal advice tailored to your personal circumstances before making a decision. Financial products are issued by NGS Super Pty Ltd ABN 46 003 491 487 AFSL 233 154.
