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Over recent years, investment markets have experienced some ups and downs. While you can’t eliminate all investment risk, you can reduce the risks of volatility within investment markets and reduce any potential losses on your investments over the longer term.

Firstly, it’s important to understand your investment goals and your timeframe for investing. If your goal is to buy a new home within 12 months, your investment choices will be different from those if you were investing to secure a comfortable lifestyle when you retire in 15 years.

It’s also important to diversify your investments. By diversifying across different investments and asset classes, you can reduce potential losses should an investment or asset class perform poorly over any given period.

What investment goals do you aim to achieve over the short, medium and long term? For example, funding your children’s education, buying a home or retiring early?

Select suitable investments for your portfolio depending on your investment goals and time frame for investing. Options can include cash, fixed interest, shares, managed funds, exchange traded funds (ETFs) and listed investment companies (LICs).

By investing regularly, you can take advantage of fluctuating prices in investment markets thereby smoothing returns over the longer term.

Depending on your life stage, select suitable investment options within your super fund to reduce volatility and maximise returns over the longer term.

By diversifying your investments across different asset classes and within asset classes, you can reduce the effects of market volatility over the longer term.