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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 Coach provide general advice related to your super, at no extra cost.

Important informationThis document has been prepared by IOOF Investment Management Limited (IIML) ABN 53 006 695 021, AFSL 230524 as Trustee of the IOOF Portfolio Service Superannuation Fund ABN 70 815 369 818 (Fund). IOOF Employer Super is a Division of the Fund. IIML 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 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. This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial adviser and seek tax advice from a registered tax agent. You should read the relevant Product Disclosure Statement (PDS) and the Target Market Determination (TMD) and consider whether the product is right for you before making a decision to acquire or to continue to hold the product. A copy of the relevant PDS and TMD is available on the website at www.ioof.com.au or by calling us on 1800 913 118. Information is current at the date of issue and may change. Past performance is not a reliable indicator of 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.