Market volatility FAQs

What NGS Super members should know 

Should I be worried about my super? 

Markets have seen strong returns in recent years, so the recent dip isn't unexpected. In March, the Diversified MySuper option dropped 1.39%, but financial year-to-date it's up 5.33% (as of 17 April 2025). While markets have been volatile, the potential for long-term returns remain strong. 

If you're unsure about your investment strategy, speak with one of our Super Specialists for a complimentary chat. 

Do I need to change my investment? 

Switching to safer options like cash after a drop can hurt your long-term returns. Markets usually bounce back and missing that rebound can lock in your losses. 

If you haven’t reviewed your investment mix in a while, now’s a good time. A complimentary chat with a Super Specialist can help. 

What if I’m retired and drawing an income? 

Taking income from investments that have dropped in value may lead to further losses.  
 
Some options to consider: 

• Can you reduce your income temporarily to allow your super to recover? 

• Can you draw from cash savings instead? 

• Depending on your situation, you may be able to pause your income payments. 

You might not need to change anything, but speaking to a Super Specialist can help clarify your options. 
 

How NGS is managing your investments 

How is NGS performing? 

Our Diversified MySuper option is designed to handle ups and downs. We spread investments across different asset classes so we’re not relying only on the share market. This helps to protect your super during periods of volatility, and in the long-term grow your super balance. 

What is NGS’ strategy? 

We aim for growth while managing risk.  
 
We do this by investing across many areas like: 

• Gold – which has done well this year. 

• Government bonds – to help protect your super during economic slowdowns. 

• Hedging strategies – to reduce the impact of falling markets. 

• Alternative assets – like infrastructure and private credit, for more stable returns. 

• Emerging markets – especially China, which has outperformed recently. 

What’s the long-term outlook? 

The next six months may be uncertain, but we’re planning ahead. Long-term, we’re optimistic, especially about areas like AI, health, and climate change. Our investments are geared toward benefiting from these global shifts. 

We’ll continue to update you as markets evolve but rest assured—we’re focused on protecting and growing your super over the long run. 

Talk to a Super Specialist 

You can speak with one of our Super Specialists. It's complimentary, and they can answer your general questions about superannuation, investments, insurance or transition to retirement. Seeking advice is a way to plan for your future, to mitigate risks and make the most of your saving opportunities. Education is integral to the planning process – it's important that you feel confident and informed at all times.