Recent global events have been a roller coaster as of late.

For those keenly observing their superannuation balance, more ups and downs have been seen than usual.

Before moving any hard-earned savings around, here’s a look at what’s happening and how seniors can protect their nest eggs during these turbulent times.


United States President Donald Trump’s tariff announcements sent shockwaves through share markets around the world, including Australia.

Despite the massive changes, Australian super funds managed to get a small gain.

According to SuperRatings, the country’s median fund garnered 0.4 per cent returns for the month.


Why the volatility?

When world leaders start talking about tariffs and trade wars, investors get nervous.

In April, the Australian share market outperformed its global peers, rising 3.6 per cent for the month.

However, last March was rough, as the median super balance fell by 1.9 per cent.

For those invested in a balanced option, returns should be back to where they were at the beginning of the year and still up by six per cent.


It’s tempting to make changes when markets get rocky.

However, SuperRatings expert Kirby Rappell warned about its consequences.

‘Members that panicked and switched options or withdrew funds may have missed out on this rebound, and we continue to encourage a long-term mindset around superannuation,’ Mr Rappell said.

‘We saw a strong response from markets to the announcement of tariffs by the US early in the month, which resulted in superannuation returns bouncing around much more than usual.’

‘Importantly, the large declines seen at the beginning of the month were quickly regained as tariffs were paused, reinforcing the difficulty of timing the market,’ Mr Rappell added.

‘The pause on tariffs, we continue to believe there will be ups and downs over the coming months, however funds have consistently demonstrated their ability to navigate changing markets and provide strong long-term outcomes for members.’


One reason Australian super funds have weathered the storm better was through diversification.

Around 45 per cent of superannuation money is invested in assets other than shares.

These assets also included property, infrastructure, bonds, and cash.

The diversification cushioned the blow after share markets took a hit.

So even if global shares are having a tough time, your super isn’t entirely at their mercy.

What about pension returns?

The median balanced pension option gained 0.7 per cent last April.

Meanwhile, the median capital stable pension option rose 0.8 per cent.

What should seniors do now?

• Stick to your plan: Setting and sticking to a long-term strategy is the best way to achieve your retirement goals. Don’t let short-term market swings throw you off course.
• Seek advice: Talk to your super fund or a trusted financial adviser about your options so you can make guided decisions.
• Remember the big picture: Over time, markets have always recovered from downturns, and those who stay the course are usually rewarded.

While the tariff turmoil made major headlines, the key message from the experts is not to panic.

By staying focused on long-term goals and seeking advice, seniors’ retirement savings should stay on track.
Have you checked your super balance lately? Are you worried about the impact of global events on your retirement savings? Do you have tips for riding out the superannuation storm? Share your thoughts and experiences in the comments section below.