We use cookies to improve your experience on our website.  By continuing you acknowledge cookies are being used. View the privacy policy. 

The Middle East conflict: what it means for your super

Title
The Middle East conflict: what it means for your super

When markets continue to shift, it’s natural to wonder what it all means for your super. 

Recent events in the Middle East have caused short-term movements, particularly in global energy prices, but this is how markets typically respond to uncertainty in real time. What matters more is how your super is managed in navigating periods like this over the longer term.

If you take one thing out of this, it’s this - your super isn’t built for moments, it’s built for your lifetime.

Your super is diversified across regions and asset classes to balance opportunity with resilience. It’s managed with a long-term mindset that stays focused on outcomes, rather than reacting to short-term movements.

History helps put moments like this into perspective. Markets have moved through periods of uncertainty before, and over time, they’ve continued to find a way forward. Periods of uncertainty can lead to short-term selling as some investors react to market movements. This can create opportunities to invest in high quality assets at more attractive prices.

Right now, much of the focus is on global energy supply, particularly because oil and gas traffic through the Strait of Hormuz has fallen a lot since March. While that can influence markets in the short term, it’s something markets are used to working through.

Our role isn’t to predict every movement. It’s to navigate them with care, discipline, and a long-term view.

If you’re approaching retirement or thinking about your next steps 

Market movements can feel different when retirement is close, and it’s not unusual to feel more cautious about how changes may affect your balance or income. At this stage, taking the time to understand your options can help bring clarity and confidence to the choices ahead.

If you’d like support, our team of Financial Coaches provide general advice related to your super, at no extra cost.

Disclaimer

This document has been prepared by OnePath Custodians Pty Limited (OPC) (ABN 12 008 508 496, AFSL 238346) (OPC) as Trustee of Retirement Portfolio Service (Fund). ANZ Smart Choice Super suite of products which includes ANZ Smart Choice Super and Pension, ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees. The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522).  We recommend that you read the ANZ Financial Services Guide (PDF), before deciding whether to acquire or continue to hold this product. ANZ Smart Choice Super is part of Retirement Portfolio Service. OPC is a part of the Insignia Financial group of companies comprising Insignia Financial Limited ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). Insignia Financial Group use the ANZ brand under licence. ANZ and the Insignia Financial Group (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products.

The information and commentary provided in this communication is of a general nature only and does not relate to any specific fund or product issued by an Insignia Financial Group entity. The information in this document has been prepared without taking account of your objectives, financial situation or needs. Before making a decision based on this information, you should consider the appropriateness of the information, having regards to your objectives, financial situation and needs. You should read the relevant Product Disclosure Statement (PDS) and the Target Market Determination (TMD) before you make a decision to acquire or continue to hold the product. A copy of the PDS and TMD are available upon request by phoning 13 12 87.

Past performance is not a reliable indicator of future performance. The value of an investment may rise or fall with the changes in the market. An investment is subject to investment risk, including possible delays in repayment and loss of income and principal invested. Actual returns may vary from any target return described and there is a risk that the investment may achieve lower than expected returns.

Any opinions expressed constitute our judgement at the time of issue and are subject to change without notice. We believe that the information contained in this communication is correct and that any estimates, opinions, conclusions or recommendations are reasonably held or made at the time of compilation. However, no warranty is made as to their accuracy or reliability or in respect of other information contained in this communication. Any projection or forward-looking statement (Projection) in this communication is provided for information purposes only. No representation is made as to the accuracy or reasonableness of any such Projection or that it will be met. Actual events may vary materially.

This communication is directed to and prepared for Australian residents only.  

Articles you may find helpful

Payday Super: the simple change that can boost your retirement savings

Title
Payday Super: the simple change that can boost your retirement savings
Teaser Title
Effective Date
2026-05-10 23:00
Short Description
From 1 July 2026, super contributions are getting a refresh. Payday Super means your employer will pay your super at the same time they process your pay, rather than relying on the current minimum rule of quarterly payments.
Feature Image
/content/dam/anzsc/images/tiles/News/man-holding-tablet-looking-outside-window.jpg
Link to content page
/content/anzsc/en/news/payday-super-the-simple-change-that-can-boost-your-retirement-savings
News Label
Super
News Label
Super

EOFY is a good time to review your super

Title
EOFY is a good time to review your super
Teaser Title
Effective Date
2026-04-23 11:02
Short Description
EOFY is a time when many people review their finances, and superannuation is an important part of this. Small steps taken now can make a meaningful difference over time.
Feature Image
/content/dam/anzsc/images/tiles/News/a-couple-looking-over-their-finances.jpg
Link to content page
/content/anzsc/en/news/eofy-is-a-good-time-to-review-your-super
News Label
Super
News Label
Super

Is it worth salary sacrificing into super?

Title
Is it worth salary sacrificing into super?
Teaser Title
Effective Date
2025-09-04 03:08
Short Description
We explore the ins and outs of salary sacrificing into your super and help you determine if it's worth considering as part of your financial strategy.
Feature Image
/content/dam/anzsc/images/tiles/News/a-woman-drinking-tea-and-using-a-laptop.jpg
Link to content page
/content/anzsc/en/news/is-it-worth-salary-sacrificing-into-super
News Label
Super
News Label
Super

Contact us

Get online

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).

 

Find out how our Hearing and interpreting services can support you.

This information has been prepared by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346) (OPC) as the issuer of the 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. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. 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). 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.

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.anzsmartchoice.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.

© Australia and New Zealand Banking Group Limited (ANZ) 2025 ABN 11 005 357 522. ANZ's colour blue is a trademark of ANZ.

View ANZ Privacy Statement

View OPC (Issuer) Privacy Statement