Investments – General Market and Security Update

General Market and Security Update – April 2025

You’ve likely seen headlines about the recent volatility in share markets, as well as reports of suspected cyber-attacks targeting major superannuation providers like Australian Super, Hostplus, REST, and Australian Retirement Trust (ART).

While these developments can understandably cause concern, it’s important to keep perspective.

Long-Term Focus Remains Key

Markets fluctuate—sometimes sharply—but investing is, by nature, a long-term endeavour. The recent pullback has been driven largely by global uncertainty and geopolitical events, including unexpected tariff announcements.

Some important points to keep in mind:

• Recent market volatility is not unusual, especially during times of economic or political uncertainty.
• Opportunities may now be emerging, and while no one can predict the market bottom, gradually investing into markets—using approaches like dollar-cost averaging—can help manage risk while positioning for long-term growth.
• Remaining calm and disciplined is often the best course of action during turbulent times.

Protecting Your Super Online

In light of the cyber-attacks targeting several superannuation providers, we recommend:

• Changing your super account password if it hasn’t been updated recently.
• Setting up 2-factor authentication (2FA) for extra security
• Contacting your super fund directly to ask whether your account was affected and if any further action is needed.

Tips for Staying on Track

During periods like this, it can feel like you should be doing “something.” Here are a few sensible steps:

Do:

• Maintain a cash buffer (3+ months of essential expenses)
• Stick to a consistent savings and investing plan.
• Review your spending and see where savings can be made (e.g., insurance, utilities, subscriptions)

Avoid:

• Frequently checking your super or investment balances
• Making rash changes to your investment choices
• Getting caught up in alarming news headlines.

If you would like to speak to us about your financial goals or your current situation, please feel free to reach out.

Note: This information is general in nature and does not take into account your personal circumstances.