Don’t let falling markets scare you away from super contributions

October 4, 2026 — 5:00am

You have reached your maximum number of saved items.

Remove items from your saved list to add more.

I am 66 and recently sold an investment property I owned for 42 years for $1.2 million, intending to invest the proceeds elsewhere for a better return.

I want to make a $390,000 non-concessional contribution to my super, but my balance has gone backwards in the first few months of this financial year, and I’m concerned about the economic outlook.

I could instead earn a guaranteed 5 per cent plus in a short-term deposit. Should I do that for now and then contribute the $390,000 to super before the end of the financial year?

Short-term calls are always tough. The fact that your super has gone down in the past few months is more of an argument to add funds than to pause. When you add money to super, you are buying investments. Markets pulling back a little just means you are buying at a cheaper price, so that’s a good thing.

Your question really, though, is whether markets will keep falling, such that........

© The Age