Long-term investing services for Geelong pre-retirees
If you’re around three to five years from retirement, it’s natural to start paying closer attention to market headlines. News reports, commentary, and daily market movements can feel louder than ever – especially when you’re watching your super balance fluctuate.
If recent headlines have made you feel uneasy, you’re not alone. Market volatility often triggers concern, but maintaining a long-term perspective is crucial when it comes to investing.
Over the past month, the ASX 200 has declined by around 6%, which can understandably cause anxiety. However, when we zoom out, the picture changes. Over six months, the market is up approximately 2.1%, and over the past five years it has grown by nearly 30%, not including dividends. This highlights an important truth: short-term noise can feel unsettling, but long-term investing has continued to deliver strong outcomes over time.
Blocking out the noise with the right strategy
One strategy we often discuss with clients approaching retirement is the bucket strategy. This approach separates your investments into different “buckets” based on timeframes and goals, helping to manage both market volatility and emotional decision-making.
For example, while maintaining long-term investments in growth assets, new contributions or surplus funds can be directed into a dedicated cash option. Over several years, this can build a reliable cash buffer to draw from in the early stages of retirement—allowing your growth investments time to recover and continue working for you, even during market downturns.
This type of structure can provide reassurance and flexibility, particularly for those seeking long-term investing services Geelong clients can rely on as they transition toward retirement.
When to seek advice
If market movements are causing concern, or you’re unsure how to structure your superannuation and investments in the lead-up to retirement, seeking professional advice can make a significant difference. A clear strategy can help you move forward with confidence rather than reacting to short-term market movements.
To learn more about our structured approach to long-term investing, you can explore our Invest Well Program, designed to help you plan with clarity and purpose.
You’re also welcome to book a 15-minute kickstart call – we’re always happy to help you navigate the journey toward retirement with confidence.
General advice warning: This information and the accompanying video are general in nature and do not take into account your personal circumstances. You should consider seeking personal financial advice before making any financial decisions.
