Managing market fluctuations and your super

You're likely to have heard about the recent fluctuations in the sharemarkets and may be wondering what that means for your super.

Here's some important things to think about if you're concerned about the current share market fluctuations:

  • Understand what switching between your investments may cost you;
  • Think about how long your super needs to be invested for – even if you're retired;
  • Have a chat to us, we've got an experienced advice team that have talked to members through many market fluctuations. They can explain things simply and help give you the advice you need. Call us on 1300 366 216 or book an appointment online.
  • If you're retired or thinking about retiring we have a solution that can provide a guaranteed income to you – no matter what the market conditions – which can help reduce any worry when markets fluctuate. 

Speak to us before you switch
If you're concerned about the impact of this volatility on your retirement savings we recommend you contact us so we can help you understand the implications of switching your investments.

For many, super may well be their second largest asset, so any decision you make is probably an important one and a considered opinion can help. The good news is that VicSuper offers super advice at no charge to members, in most cases.

Watch (3:31): See what our Chief Executive Officer has to say about market volatility, what VicSuper is doing and how VicSuper can help.

Investment Update with Michael Dundon 2015-16 Quarter 3

Markets will always experience ups and downs; some larger and for longer periods than others. So its expected that while sometimes share values will fall, in other years they'll see healthy growth.

Over the last few weeks current market conditions have led some Australians to review and change their investment mix. But it's important to bear in mind that for many, super is a long-term investment (even if you've just retired, you're likely to need your super to last around 20 years). So it makes sense to look at investment returns over more than just a single year or few months. Switching your investment options right now may not be the smartest thing to do — and may well cost you money in the long run.

We're well placed to see this through.

VicSuper has the experience and maturity to strategically manage volatility, with a focus on optimising your retirement savings and incomes over the long term. We have a three-pronged approach to manage volatility in the market:

  1. diversifying our assets
  2. applying strategies designed to reduce volatility
  3. investing a part of the portfolio low-volatility shares.

We stress test our products to ensure they can stand up to market highs and lows. So you can be assured that your super remains in good hands.

For more information about how VicSuper manages financial market volatility in your investments click here to see a video from Chief Investment Officer Oscar Fabian. You can also see how your investment options performed in the latest Quarterly Investment Update. Past performance is not a reliable indicator of future performance.

If you'd like to chat to someone about your investment options, you can call our Member Centre on 1300 366 216 and speak to an adviser over the phone. Alternatively you can also book a face-to-face appointment with one of our qualified Financial Planners. We're here to help.

<>BOOK AN APPOINTMENT

or
Call our Member Centre 1300 366 216

Read more about Quantifying the Impact on Chasing Fund Performance by Vanguard Investments. 

Disclaimer:VicSuper relies on Challenger Life Company, under life policies issued to VicSuper by Challenger, to fund payments to members who select these products. VicSuper does not itself provide a guarantee

You're likely to have heard about the recent fluctuations in the sharemarkets and may be wondering what that means for your super.

Here's some important things to think about if you're concerned about the current share market fluctuations:

  • Understand what switching between your investments may cost you;
  • Think about how long your super needs to be invested for – even if you're retired;
  • Have a chat to us, we've got an experienced advice team that have talked to members through many market fluctuations. They can explain things simply and help give you the advice you need. Call us on 1300 366 216 or book an appointment online.
  • If you're retired or thinking about retiring we have a solution that can provide a guaranteed income to you – no matter what the market conditions – which can help reduce any worry when markets fluctuate. 

Speak to us before you switch
If you're concerned about the impact of this volatility on your retirement savings we recommend you contact us so we can help you understand the implications of switching your investments.

For many, super may well be their second largest asset, so any decision you make is probably an important one and a considered opinion can help. The good news is that VicSuper offers super advice at no charge to members, in most cases.

Watch (3:31): See what our Chief Executive Officer has to say about market volatility, what VicSuper is doing and how VicSuper can help.

Investment Update with Michael Dundon 2015-16 Quarter 3

Markets will always experience ups and downs; some larger and for longer periods than others. So its expected that while sometimes share values will fall, in other years they'll see healthy growth.

Over the last few weeks current market conditions have led some Australians to review and change their investment mix. But it's important to bear in mind that for many, super is a long-term investment (even if you've just retired, you're likely to need your super to last around 20 years). So it makes sense to look at investment returns over more than just a single year or few months. Switching your investment options right now may not be the smartest thing to do — and may well cost you money in the long run.

We're well placed to see this through.

VicSuper has the experience and maturity to strategically manage volatility, with a focus on optimising your retirement savings and incomes over the long term. We have a three-pronged approach to manage volatility in the market:

  1. diversifying our assets
  2. applying strategies designed to reduce volatility
  3. investing a part of the portfolio low-volatility shares.

We stress test our products to ensure they can stand up to market highs and lows. So you can be assured that your super remains in good hands.

For more information about how VicSuper manages financial market volatility in your investments click here to see a video from Chief Investment Officer Oscar Fabian. You can also see how your investment options performed in the latest Quarterly Investment Update. Past performance is not a reliable indicator of future performance.

If you'd like to chat to someone about your investment options, you can call our Member Centre on 1300 366 216 and speak to an adviser over the phone. Alternatively you can also book a face-to-face appointment with one of our qualified Financial Planners. We're here to help.

<>BOOK AN APPOINTMENT

or
Call our Member Centre 1300 366 216

Read more about Quantifying the Impact on Chasing Fund Performance by Vanguard Investments. 

Disclaimer:VicSuper relies on Challenger Life Company, under life policies issued to VicSuper by Challenger, to fund payments to members who select these products. VicSuper does not itself provide a guarantee