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Retirement Planning Superannuation

5 insights to keep your super in perspective

While it’s natural to be nervous about your super returns when financial markets are uncertain, it’s important to stick to some key insights to help you keep current market fluctuations in perspective.

Paul Baggetta has five tips to help you keep your super on track:

1. Take comfort from history – the long-term trend is up
Over the last twenty years or so, there have been at least ten major events that have impacted the Australian share market, including the Wall Street Crash in 1987. While each of these events resulted in a period of uncertainty, the market has always recovered.

Importantly, despite short-term market uncertainty in the past, over the long-term the general trend of share markets is upward. Australian shares, for example, continue to perform well, up 106.6%1 in the last ten years.

2. Remember, super is a long-term investment
Superannuation is a long-term investment designed to grow over your working life, so it calls for a long-term and calm approach. If you’re at the start or in the middle of your career, you could have up to 30 years to keep investing in your super and are well placed to ride out the market ups and downs.

3. Don’t react to short-term market movements
Investment markets move in cycles, so it’s difficult to forecast when they’ll rise or fall. Moving your money in and out of the market during a downturn means you could potentially miss out on any positive bounce gained in a strong market recovery.

4. Make sure your investment option suits your risk profile
Your investment choices are organised into risk categories – stable, conservative, moderate, dynamic and aggressive. Taking on more risk could mean higher long-term returns, but more risk also means enduring more ups and downs in the short-term.

Before choosing how you’d like your super to be invested, you and I will work together to consider how much risk you’re prepared to take and your investment timeframe.

5. Get advice from a qualified source
I can help you make decisions around your super, while taking into account your life stage, needs, objectives and attitude to risk. This is a very important step in our client/adviser relationship and, as a taxation accountant and financial adviser for over 30 years, I am well placed to provide you with good advice you can rely on.


Paul Baggetta

[1] Returns measured by the S&P/ASX 200 Accumulation Index to end November 2008.

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The information provided on this website, including the material and contents provided in the website publications, are informative in nature only and you should not act specifically on the basis of this information alone. It should not be used as a substitute for legal, business, accounting, tax, financial planning or other professional advice. If expert assistance is required, professional advice should be obtained. Liability limited by a scheme approved under Professional Standards Legislation

Paul Baggetta is the Founder & Principal of Baggetta & Co (ABN 68 786 233 813).

Paul Baggetta has been a Taxation Accountant since 1981, a Financial Planner since 1998, and in 1993 qualified as a Real Estate Licensee, holding a Triennial Certificate (currently not trading) and operated his own Real Estate business for property investment clients for over 5 years as a second business.

Financial planning services are provided by Paul Baggetta as an Authorised Representative (No. 261469) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services License No. 223135.


Taxation & Accounting services are provided by Paul Baggetta as a Registered Tax Agent (No.61487008) and is a Member of SMSF Association, FIPA & NTAA.