A very insightful article that provides some reminders for sensible investing during market downturns.

In recent years, market volatility has once again tested the nerves of investors. From the post-COVID recovery to ongoing geopolitical tensions, persistent inflation, and rising interest rates, many are questioning how best to position their investments for the future. For retirees, the challenge is even greater, finding reliable income while preserving capital isn’t easy in this kind of environment. And with super balances under pressure and living costs on the rise, many are starting to question whether their money will go the distance.

It’s no secret that investing successfully requires patience, clear goals, a long-term view and sound financial advice; however in times of uncertainty it can be easy to forget these principles.

Here are some other key investment concepts to keep front of mind:

A detailed description of exactly what recessions are and how they impact the Australian share market.

When the media starts reporting higher interest rates and spiralling price rises, their next story will almost certainly scream the impending doom of a possible economic recession.

But what exactly is a recession and is it all bad news for local share market investors?

Most commentators believe a ‘technical recession’ occurs when there have been two consecutive quarters of negative growth in real gross domestic production or economic output, but there really is no strict definition. It’s more just a time when unemployment increases and growth falls.

Our latest quarterly economic update includes commentary on the Iran–US peace deal and its impact on oil prices and share markets, the RBA's latest interest rate decisions, sweeping tax changes for property investors, the falling gold price and the resurgent US dollar.

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It was a quarter of two halves. Overseas, the US and Iran agreed to end their war, sending oil prices tumbling and sharemarkets rallying. At home, households copped another rate rise before the RBA hit pause, and the Federal Budget rewrote the rules for property investors.

Peace in the Middle East — Oil Falls and Markets Rally

After more than three months of conflict, the US and Iran agreed on 14 June to end the fighting and reopen the Strait of Hormuz, which normally carries about one-fifth of the world's oil. Prices had already been easing as hopes of a deal grew — Brent crude fell to around US$83 a barrel, down from its March peak of US$126, and by late June US crude was below US$70 as ships began moving again. A big relief for motorists, and for inflation.