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ried about your super? Stop for a moment, take a deep breath, in, out" still worried? Fair enough too. This past 12 to 18 months have been some of the toughest ever experienced by even the most hardened and experienced investors. But what does it mean to your super and what can you do about it? The preferred course of action can vary substantially depending on your situation [link widoczny dla zalogowanych], but here are a few things that you might want to consider.
1. Don"t panic!
If you still have substantial exposure to growth assets (shares [link widoczny dla zalogowanych], property), a long term outlook and are still managing to sleep at night, then now is probably not the best time to shift out of those investments. Some people are moving into cash with the intention of waiting for the market to recover before jumping back in. The issue is that the signal to get back in could well be a 20% plus jump which they could miss out on while sitting in cash.
2. Don"t make a change for it"s own sake.
It"s easy to get disappointed on seeing negative returns but you shouldn"t necessarily jump to shift out of your fund. Almost every fund with significant exposure to shares and/or property has declined in value over the past 12 to 18 months. A 10% fall in the value of your fund may actually represent an out-performance of the market depending on the underlying asset mix.
3. It"s not super"s fault
Superannuation is receiving criticism because of the recent falls but it"s important to remember that super is just the vehicle and the actual investments can be just about anything. Some individuals are choosing to withdraw their super in the hope of halting further losses but in doing so they are foregoing the tax advantages available to them through the super system. If you need to move in to something less volatile (refer point 1) then consider moving it into a conservative or cash option of your existing or an alternative fund rather than moving out of super all together.
4. Stay diligent
Whether the market is going up or down it is important to make sure you"re still looking after the fundamentals. This means making sure that your fund continues to provide returns among the best in the market, that you"re in a mix of assets appropriate to your situation, that you"re not paying too much in fees (either to your fund or to a financial adviser) and that you"re continuing to maximise your super in other ways such as taking advantage of the government co-contribution and salary sacrificing as appropriate.
Super will survive the current turmoil and if you look after it [link widoczny dla zalogowanych], it will look after you in the years to come.
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