Most assume their existing super fund will take care of everything, and for many, that’s exactly what happens. They leave their money where it is. But is that the best strategy for reliable income and risk-adjusted returns in retirement? Evidence suggests otherwise.

Investors step into 2026 facing one of the most complex macro backdrops in more than a decade. Warning lights are flashing across global markets: from slowing economic growth to soaring gold prices, from historically high equity valuations to rising long‑term bond yields in markets traditionally viewed as stable. Uncertainty is not only elevated, but also already influencing market pricing, investor sentiment, and capital flows.

Credit is the quiet force powering modern life. It finances everything from the infrastructure we walk on to the electricity we use, the AI systems we increasingly rely on, and the mortgages that put roofs over our heads. To call it the lifeblood of the economy is no exaggeration.