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Investing

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Understanding market volatility

Education HUB article

During periods of market downturn, it’s understandable you may be concerned about the value of your super and/or other investments you may hold. While disruptions can be unwelcomed, falls within financial markets are not uncommon.

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Understanding market volatility (2:19 minutes)

To understand market volatility, let's first discuss the concept of investing. Different to a savings account at a bank, investing involves the purchase of assets with the intention that their value increases over time. Triggers such as market changes, economic factors like COVID and the GFC and inflation trends can all cause fluctuations in your investments. However, it's important to remember that while the fluctuations affect the value of your investment, periods of volatility are a normal part of investment. That over time stability will return within the market.

There's many ways to manage the up and down activity of your investments. But to start, here are four key things to remember when you're concerned about market volatility and your investments. One, don't panic sell. It's not unusual to be concerned by periods of market instability. It can be scary to see large or even small losses on paper, but it's helpful to remember that market volatility is a typical part of investing. And the companies you invest in will respond to a crisis. Two, remember, your long-term plan. Is your investing timeframe and goal still the same? A well-balanced, diversified portfolio will be constructed with potential rises and falls in the market in mind. However, if you need access to your funds soon, investing in volatile assets might not be your best option. But for medium to long-term goals, volatility is usually part of the journey to significant growth.

Three, diversify. Having all your eggs in one basket may put you at risk when the market dips, so it's important to consider diversifying your investments. Four, consider market volatility and opportunity. Market drops can also be capitalized on. Buying stocks when they are low can be a valuable investment opportunity.

If you'd like more information, our Wealth Concierge team can give you complimentary general advice or refer you to a financial planner for personal advice. To get in touch, make an online inquiry through our website or drop in and see us at your local Bendigo Bank branch.

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Our Education HUB has information on where to start with Managed Funds, explaining risk vs return and other investing fundamentals. If you're not sure where to start, start here.

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Things you should know

The webpage has been jointly prepared by Leveraged Equities Limited (ABN 26 051 629 282 AFSL 360118) (Leveraged), Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) and Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (the Bank). Both of Leveraged and Sandhurst are subsidiaries of the Bank. Each of these companies receive remuneration on the issue of the product or service they provide. Margin loan products described in this webpage are issued by the Leveraged and managed fund products described are issued by Sandhurst. None of these products are deposits with, guaranteed by, or liabilities of the Bank or any of its related entities.

Bendigo Invest Direct is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851, AFSL 246381 (“CMC Markets Stockbroking”), a Participant of the ASX Group (Australian Securities Exchange), SSX (Sydney Stock Exchange) and Chi-X (Chi-X Australia)), at the request of the Bank. Execution, settlement and clearing services are provided through CMC Markets Stockbroking. Neither CMC Markets Stockbroking nor the Bank are representatives of each other. To the extent permitted by law, the Bank will not guarantee or otherwise support CMC Markets Stockbroking's obligations under the contracts or agreements connected with the Bendigo Invest Direct service.

This webpage contains general advice only and does not take into account of your personal needs, objectives and financial circumstances. General advice in relation to each product class is provided by the relevant issuer. You should consider your situation and the appropriateness of the information provided, read the relevant Financial Services Guide, Product Disclosure Statements and Target Market Determinations available on this site, or seek professional advice before making an investment decision in relation to one of these products."

The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Leveraged, Sandhurst nor the Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this webpage. The information contained on this webpage is subject to change without notice. Neither Leveraged, Sandhurst nor the Bank has an obligation to update, modify or amend this webpage or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.

Neither Leveraged, Sandhurst nor the Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Leveraged, Sandhurst or the Bank of the products offered by the site owner.

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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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