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holding up light bulb 2 178951474Whether you’re fundamentally a buyer or a seller is largely based on your stage of life.
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Buyers are accumulators — still working and contributing to superannuation.
Generally speaking, if you’re still contributing to your fund, you’re a buyer — you make your contributions and your fund buys shares. Falls in the market can actually work to your advantage, as you can keep buying during dips in the market and make good profits when it recovers.
Sellers are in the pension phase — not contributing any more and drawing income from investments.
On the whole, once you begin drawing money from your superannuation, you become a seller. Every time you get a pension payment, your fund needs to sell assets. If the market is going through a dip, the superannuation fund needs to sell more assets to match pension income.