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

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Paul Benson Money contributor October 5, 2025 — 5.09am

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.

My first observation is that ideally, we wouldn’t be starting from here. This may not be particularly helpful for you now, but I make it for the benefit of others.

Robust academic research demonstrates that the more we fiddle with our portfolios, the wors