sees<\/a> November as the more likely date.<\/p>\nA hike would hit a superannuation fund in three places.<\/p>\n
Bond prices fall when yields rise, so the defensive part of your portfolio takes an immediate mark-to-market hit.<\/p>\n
Australian real estate investment trusts and infrastructure assets are repriced lower, because their long-dated cash flows are worth less.<\/p>\n
Bank shares face slower credit growth and higher deposit costs, and they are a very large part of the local index.<\/p>\n
The parts of your superannuation that would hold up<\/p>\n
Not everything suffers.<\/p>\n
Cash and term deposit allocations earn more, which helps anyone in a conservative or pension-phase option.<\/p>\n
Similarly, resources companies are largely driven by commodity prices rather than domestic rates.<\/p>\n
And then there are global equities, which are the biggest single driver of most balanced funds, and which respond to United States policy far more than Australian policy.<\/p>\n
What I would not do<\/p>\n
Switching your superannuation to cash ahead of a possible rate rise is the classic mistake.<\/p>\n
You crystallise any loss, you miss the recovery, and you have to be right twice to come out ahead.<\/p>\n
For investors who care about long-term returns, time in the market is much more important than timing the market.<\/p>\n
Foolish takeaway<\/p>\n
A September rate rise would trim returns, not wreck them.<\/p>\n
Bonds and rate-sensitive Australian shares would take the hit, while cash and global equities would cushion it.<\/p>\n
If your superannuation sits in a default balanced option and you have twenty years to run, the correct response is almost certainly nothing at all.<\/p>\n
If you are drawing an income and are heavily weighted toward bank shares, it may be worth checking your allocation.<\/p>\n
Either way, the decision should reflect your time horizon, which is usually much longer term than a single rate decision.<\/p>\n","protected":false},"excerpt":{"rendered":"Superannuation has had an excellent run of late, and a rate rise this month would be the first…\n","protected":false},"author":2,"featured_media":612799,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,61,60,174,175,2278],"class_list":["post-612798","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-ie","tag-ireland","tag-personal-finance","tag-personalfinance","tag-trending"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/612798","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=612798"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/612798\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/612799"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=612798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=612798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=612798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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