All my super is in cash, but the market keeps going up. What do I do?

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All my super is in cash, but the market keeps going up. What do I do?

Paul Benson Money contributor October 5, 2025 — 4.09am Advertisement

In March, the market had dropped so much that I switched all my super to cash. I’m in my 70s and live off this money. Since then, the market has been going up, but I’m still in cash! I keep hoping the market will come back down a bit and give me a chance to get back in. Don’t know what to do. Help!

Thanks for sharing your experience here, I imagine there will be one or two readers nodding along, having done the same thing.

Defensive assets such as cash are useful in times of turmoil but can look unappealing when markets are booming. Credit: Simon Letch

My first observation is that id