Dump anyone's opinion here's the cold hard facts after 50 years of trading and it's not financial advice!
The No.1 mantra of anyone who has super is 'Preservation of Capital' regardless of accumulation phase or pension phase, retired or not.
If you need the money to live on, need food, need accommodation etc etc. yes then you don't really have a choice.
If you can put up with the psychosis of market fluctuations then stay invested, whether bonds, equities property, term deposits etc etc. it matters not.
Then think of those who are wealthier than you and who control the money supply, do you really think that these people want to crash the 'system' during their tenure? Err NO, not on my watch it's human nature.
The only competition you have as an individual is yourself, do you want to get rich quick or do you think that to be self reliant it takes decades of disciplined investing?
When markets fluctuate it's an opportunity, no not for the timid or the hesitant, but for those with money to take advantage of you the typical transfer of wealth operation. It plays out daily on the exchanges.
To re-iterate, if you need the money to live on you have no choice, if you don't then you do have a choice! It's up to you to decide.
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