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Market volatility and your super

Title
Market volatility and your super

Understanding the recent market volatility

The recent rollout of US President Trump’s new trade policy has rattled share markets. The United States’ imposition of tariffs – a tax on imports – has triggered higher market volatility and increased concerns that the US economy might be headed towards recession.

These events serve as a reminder that macroeconomic factors are ever present, sometimes with more force than usual, like now.

 

What does this market volatility mean for you and your super savings?

In times like these, it’s natural to feel uneasy when headlines emphasise uncertainty. However, it’s important to remember that super is a long-term investment.

History shows that markets tend to recover and grow over-time. Staying invested allows your super to benefit when markets bounce back.

Our approach to investing is designed to weather such periods of volatility by maintaining a focus on sustained growth and stability over the long-term.

How we are managing your retirement savings in times of market uncertainty

Our ANZ Smart Choice Super Lifestage investment options – where the majority of our members are invested - is continually reviewed to ensure the options remains well-positioned for changing market environments, like we are witnessing now.

The Lifestage investment options are well diversified with exposure spread across a mix of growth, defensive and alternative asset classes including unlisted assets like property, infrastructure and private credit. The investment in alternative and unlisted assets provides valuable diversification benefits as these assets typically provide predictable, stable long term cashflows which are less sensitive to economic and share market volatility.

In addition, the allocation to these classes will automatically adjust, becoming more conservative over time as each member cohort gets closer to retirement. In this way, the Lifestage investment options aim to help members preserve their capital and reduce the volatility of their returns as they near retirement.

Staying the course and focusing on long-term returns

While market fluctuations can be unsettling, staying calm and focused on long-term goals is essential.

Our investment approach helps to ensure your super is positioned to endure short-term challenges while striving for steady growth in the years ahead.

We believe that being agile, selective and opportunistic is important in navigating the volatility that is likely to occur in markets over the coming months.

Our disciplined, research-driven investment process – backed by rigorous governance and active portfolio management – helps to ensure your retirement savings are strategically positioned to pursue growth while navigating market challenges with prudence.

We are well-equipped to guide portfolios through times like these

We are leaning on our deep experience of managing through past market events like the COVID-19 period, and the 2008/09 Global Financial Crisis. We navigated our clients’ investments through these highly disruptive episodes and are confident that the skills, knowledge, and judgment across our investment team will again prove to be up to the challenge this time.

Finally, it's important to remind investors that while short-term market fluctuations can happen, our focus remains on delivering sustainable long-term growth.

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Contact us

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Register for online access to your ANZ Smart Choice Super account in less than two minutes.

If you’ve already registered, log in to manage your account.

Need help?

Message or call the ANZ Smart Choice Super team on 13 12 87 weekdays 8.30am to 6.30pm (AEST).

 

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This information has been prepared by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346) (OPC) as Trustee of Retirement Portfolio Service (ABN 61 808 189 263). ANZ Smart Choice Super suite of products which includes ANZ Smart Choice Super and PensionANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees. ANZ Smart Choice Super is part of the Retirement Portfolio Service. OPC is part of the Insignia Financial group of companies comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group)

This information is general in nature and does not take into account your objectives, financial situation and needs. Before acting on any of this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should consider obtaining financial advice before making any decisions based on this information. It is recommended that you consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before you make any decisions about your superannuation or insurance. You can obtain the latest copy of the PDS (or other disclosure documents) and TMD by calling 13 12 87 or by searching for the applicable product on our website at hub.smartchoice.com.au/forms

Any general tax information provided is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.

Opinions constitute the judgement of OPC at the time of issue and are subject to change. Neither OPC nor any member of the Insignia Financial Group, nor ANZ, accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in the information in this communication.

The Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group are not related bodies corporate. ANZ does not stand behind or guarantee these products.

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