Markets don’t take a break, and neither does investor psychology. After a year where plenty of people felt “punched in the face” by volatility, we dig into the moment that really tests you: when you’ve sold to cash for safety, then the share market roars back and you’re left asking whether to buy in again or sit frozen on the sidelines. Our focus is building an investing plan that assumes bad times will happen, so you don’t get bullied into selling at the worst possible moment.

We also get practical about income, because higher rates have changed the options for Australians chasing yield. We talk through term deposits, senior bank bonds, corporate bond exposures and bank hybrids, including what those products are and how the risk and repayment “queue” works. We tackle the term deposit dilemma too: lock in a longer rate or roll shorter deposits, and how reinvestment risk shows up when “hope” becomes the strategy.

From there we jump into listener questions that hit real retirement and portfolio decisions: why superannuation reporting often focuses on total return rather than separating dividends from capital growth, how to think about planning in your 50s, and what to do when you need cash for life goals like an overseas holiday. We also cover the lithium sector and EV battery hype, plus a timely question on whether selling shares to park money in a mortgage offset can deliver a powerful after tax benefit once you run the numbers and consider capital gains tax.

If you found this helpful, subscribe, share it with someone who’s rethinking their plan, and leave us a review. What rule do you follow when markets drop sharply?

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