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Market volatility

Education HUB article

5 minute read

Market volatility - it's not as scary as you might think

At the time of a market downturn, it's understandable you may be worried about the value of your super or other investments you may hold. Whilst disruptions are undesirable, falls within financial markets are not uncommon. 


It can be scary when you hear the markets have decreased, especially with significant events such as the Global Financial Crisis (GFC) and COVID-19, however, a downturn is not necessarily a bad thing. Yes, short-term impacts will be felt instantly but with history as our guide, we know markets do recover. With recovery comes the opportunity to access assets at a lower price – think about your super being able to buy more assets at a lower cost point. This contributes to growing your super over time.  These ups and downs of the markets may not affect your day to day life, they will affect your super.

Bendigo SmartStart Super is managed by a team of highly experienced managers who continuously monitor these markets for you; making informed decisions to ensure your super is maximised over time. The team are highly trained to deal with market volatility and times of crisis, many having worked through the GFC. The team watch the markets to minimise the impact of downturns and take advantage of the upturns.

Below are some facts to keep in mind when thinking of your super in a volatile market:

  • It’s important to put current market movements in the context of your long-term investment objectives.
  • Your super is a long-term investment and generally can only be accessed when you retire. For many, this means there should be enough time to recover from short-term movements. If you are nearing retirement, it’s worth reviewing your investment strategy and possibly moving to something with less market risk.
  • Generally, higher returns do come with higher risk. Ensure you understand how much risk you are comfortable with for your personal investment strategy.

If you have any questions, you can call us on 1800 033 426 or email us at

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Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.

Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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