Here’s how we’re guiding our clients through the ups and downs of the share market — with practical strategies tailored to every life stage.
1. For Wealth Builders and Young Investors
If you’re in the accumulation phase — meaning you’re growing your superannuation or investment portfolio — it can be tough seeing your balance drop. But dips are part of the long-term journey.
At Pursue Wealth, we focus on:
- Diversified portfolios to spread risk
- The value of staying invested, even during downturns
- Educating clients about emotional decision-making
Did you know that missing just the 10 best-performing days in the market over a 20-year period could reduce your total returns by more than 50%? (J.P. Morgan Asset Management, 2023). That’s why trying to time the market often does more damage than riding it out.
2. For Those Close to Retirement
Volatility right before retirement can feel stressful — but retirement planning is not just about the day you stop working. It’s a multi-decade plan. That’s why we use techniques like reverse dollar-cost averaging to help manage withdrawals.
This means:
- Drawing smaller amounts regularly, not lump sums
- Reducing the risk of selling in a market dip
- Creating smoother, more reliable income streams
Our job is to help you retire with confidence, knowing your investments are working for you in the background.
3. For Retirees Who Need Stability
When you’ve stopped working, income stability becomes your top priority. To support this, we use cash bucket strategies that separate short-term needs from long-term investments.
This might include:
- Keeping 1–2 years’ income in cash or low-risk assets
- Minimising the need to sell growth assets during downturns
- Ensuring peace of mind while your portfolio continues to grow
This approach helps protect your lifestyle and makes your money last longer in retirement.
4. How This Market Compares to the GFC and COVID
This current downturn feels different — and that’s partly due to the speed of information we now consume. But history shows us: markets bounce back. From the Global Financial Crisis to the COVID crash, long-term investors who stayed the course came out stronger.
The biggest risk today? Reacting out of fear instead of sticking with a solid strategy.
As financial advisers in Australia, our job is to:
- Cut through the noise
- Keep you anchored in strategy
- Make sure your money is aligned with your goals
Looking for personalised financial advice?
If you’re feeling unsure about your investments, superannuation strategy, or how to prepare for retirement, we’re here to help. At Pursue Wealth, we offer financial advice tailored to your stage of life — with empathy, transparency, and a long-term lens.
