Understanding Market Movements and your Super

At Rest, we have a large, experienced and specialised investment team located around the globe. We have experts across every asset class and specialist teams who look across the whole portfolio to work out what mix of assets is most likely to deliver against the option’s objective.

Our teams continue to keep track of risks and opportunities across investment markets and navigate the ups and downs that flow from political and market uncertainty. We know it can be worrying when markets fall, but our investment team has navigated global volatility many times before.

Diversification remains the key to delivering returns through market ups and downs. By investing across a range of public and private markets assets, and a large number of individual assets within our default investment option, Growth, it helps us to keep our portfolios balanced and offers some resilience when markets are turbulent. 

Rest does not invest directly in gold, but we do have exposure to gold through the shares of gold miners. 

Rest does not invest in cryptocurrencies. 

For more information on the holdings within your investment option, please refer to our Portfolio Holdings data. We update this information twice per year for 30 June and 31 December. 

Before switching your investment option, check in with a Rest super specialist or seek advice from a Rest adviser. A change at the wrong time could lock in losses and result in missing out on market rebounds.

What’s right for you depends on your personal goals, needs and situation, which is why seeking advice can be really helpful.  For example, higher growth options target higher returns but may experience more volatility given these options are generally higher risk. As a result, members closer to retirement might prefer lower risk options where smoother, but overall lower returns are more likely. To add to this, trying to time the markets to switch options can be risky – as deciding to switch after markets have fallen can result in locking in losses and missing out when markets rebound. That’s why seeking advice can help you think about your investment strategy more broadly.  Our investment choice solution can provide a recommendation about which option might suit you in just 7 minutes, or you can book a call with our Super Specialists who can answer your general questions or book an appointment with a Rest Adviser if you need more personalised help.

If you’re not intending to withdraw your entire super balance when you retire, it's important to remember that your account remains invested throughout your retirement to continue to help it grow. So it can still be a long-term investment depending on your situation.

Planning for retirement can be overwhelming, so considering what steps to take will be unique to your situation. The good news is, you can make it simpler by speaking with one of our Super Specialists. Our helpful team will provide you with support and specialist information on general retirement options. You’ll also be able to book in for an appointment with a Rest Adviser if you need more personalised help. If you're just looking for information, check out our retirement section to learn more about things you should consider.

What’s right for you depends on your personal goals, needs and situation. If you are unsure whether you withdraw your retirement or set up a pension account, we recommend you speaking to a Rest Adviser or financial adviser. 

No. A member does not need to pay for a pension account. You can find more information about transitioning and planning for retirement here. If you meet the criteria and would like to open an account you can fill out a form on our website. 

Rest Personal and General Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice, but we will always discuss this with you first. We also have digital advice available at no additional cost for members if they would like to start there.

Depending on your age, total super amount, and the type of contribution or withdrawal you make, you could be looking at different tax rates. To help make sense of it all, we've put together some key information to provide more details about how super is taxed.