{"id":52995,"date":"2026-03-16T16:45:56","date_gmt":"2026-03-16T03:45:56","guid":{"rendered":"https:\/\/milfordasset.com\/?page_id=52995"},"modified":"2026-03-16T16:50:40","modified_gmt":"2026-03-16T03:50:40","slug":"investing-during-market-volatility","status":"publish","type":"page","link":"https:\/\/milfordasset.com\/investing-during-market-volatility","title":{"rendered":"Investing During Market Volatility"},"content":{"rendered":"\t\t
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Stay the course through market volatility<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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With the ongoing conflict in the Middle East, financial markets are experiencing increased volatility. This can feel unsettling, especially when the daily news is dominated by headlines about how this will hit you in the pocket.<\/p>

Geopolitical tensions can trigger sharp, short-term swings as investors react to uncertainty around energy prices, trade routes, and broader global growth. However, history shows that while these events can move markets in the moment, they don\u2019t automatically change the long-term drivers of returns.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Market ups and downs are normal<\/h3>

Investment markets move up and down \u2013 this volatility is an expected part of investing. We appreciate that trusting in the investment process can be challenging at times. However, investors should be wary of reacting to headlines and before making any major changes, be sure to ask themselves if their investment objectives have changed or if they are simply feeling nervous due to news they\u2019re hearing. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Focus on your goals<\/h3>

While the value of your investment can rise and fall in the short term, over longer periods markets tend to rise overall, and we encourage you to remain focused on your long-term investment goals. If your goal is to fund your retirement that is decades away, a short-term dip in markets and your KiwiSaver balance today is unlikely to affect your end result.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Time in the market beats timing the market<\/h3>

When volatility rises, it can be tempting to \u201cdo something\u201d by switching into more conservatively positioned funds or moving to cash. The problem is that these decisions often lock in losses after prices have already fallen - and then investors can miss the sharp rebounds that frequently occur when conditions stabilise. Missing just a handful of the market\u2019s strongest recovery days can materially reduce long-term outcomes.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Active management<\/h3>

We want to reassure you that our investment team are constantly assessing the market and analysing data, to help us make informed decisions on the best places to invest your money. Our ability to move quickly means we can take advantage of opportunities as they arise and manage risk along the way. Our use of specialised tools, known as derivatives, can also help cushion the effects of large downward market movements. Our focus remains on delivering strong long-term investment performance. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Dollar cost averaging<\/h3>

Continuing to make regular contributions to your investments when markets dip means that you are able to buy more units with your money because the unit price is lower. For example, if you contribute $80 a fortnight, you could buy 8 units when the unit price is $10, but if the unit price falls to $8 you would then be able to buy 10 units. Over time, if you continue to invest regularly, you will buy units at many different prices, and this is known as \u2018dollar cost averaging\u2019. If you stop contributing when markets fall, you will miss out on the benefit of being able to buy more units for your money when the price is cheaper, or 'on sale\u2019. This is why you often hear investors talk about \u201cbuying the dip\u201d. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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The value of advice<\/h3>

If you are anxious about your investment, financial advice may help. Financial advice can help you understand your risk tolerance and ensure you are in the right fund for you. We have a KiwiSaver Digital Advice tool available, or you can get in touch and speak with a Milford Financial Adviser.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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For more information and to see our Financial Advice Provider Disclosure statement, please visit our\u00a0milfordasset.com\/getting-advice<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Helpful Resources<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\tKiwiSaver Calculator\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tUse our KiwiSaver calculator to estimate your KiwiSaver account balance at retirement and for an indication of how much this could represent as a weekly income.*\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tTry the calculator\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t* This tool provides an estimate only and the results are based on the values you input and a set of government assumptions, available to view\u00a0here<\/a>.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\tKiwiSaver Digital Advice tool \t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tIf you\u2019re an existing client, aged 18 \u2013 64, head to our KiwiSaver Digital Advice tool available within your Client Portal and Mobile App, for a more personalised projection.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tTry the digital advice\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\tSorted\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tIf you would like independent guidance and calculators to understand your future investment value, or whether you are in the right KiwiSaver or Investment Fund for your goal, risk appetite and time horizon, head to Sorted.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tVisit Sorted website\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\tBull vs Bear Markets: What Every Investor Should Know\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tImagine watching your investments soar one year, only to plummet the next..\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tRead more\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\tOil, Iran and NZ\u2019s economic outlook\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tNew Zealand\u2019s February earnings season revealed optimism in the economy...\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tWatch now\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\tFrom your 20s to your 60s \u2013 top tips to help create financial security\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tMoney is an emotional topic\u2013 and with good reason...\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tRead more\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\tWhy your investment time horizon is so important\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tMost investment products, including Milford\u2019s Investment Funds, come with recommended investment time frames...\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tRead more\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Stay the course through market volatility With the ongoing conflict in the Middle East, financial markets are experiencing increased volatility.<\/p>\n","protected":false},"author":52,"featured_media":0,"parent":0,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"ep_exclude_from_search":false,"footnotes":""},"class_list":["post-52995","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nInvesting During Market Volatility - Milford<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milfordasset.com\/investing-during-market-volatility\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/milfordasset.com\/investing-during-market-volatility\",\"url\":\"https:\/\/milfordasset.com\/investing-during-market-volatility\",\"name\":\"Investing During Market Volatility - 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