Super is a structure, not an investment

With markets down again, most Australians have seen their superannuation balances fall unless they’re invested conservatively – primarily in cash, term deposits and fixed interest securities – but it’s important to recognise that super funds are a tax structure. So, super’s not the problem.

How your wealth fares is driven by what you’re invested in (shares, property, cash etc.) regardless of whether you’re investing inside or outside super.

While easier said than done, now’s not the time to throw logic out the window when it comes to investing in super; contributing regularly remains compelling even when markets are moving against you.

Super is, by design, a long-term vehicle, so…