Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 7 November 2025. The topic for this week is: Is it time to take a closer look at your asset allocation risk? How much risk are you actually taking on? In this episode Luke explores how your super is invested. Like most people, you probably haven’t look at it in a while. Luke is joined by Leon of 2CC to take a deep dive into this topic as well as offer some practical tips and actions you might consider taking to better manage asset allocation risk. 

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Markets go up and they go down.


• But how well do you know what risk you’re carrying inside your super?


• A balanced investment option might not actually be balanced in terms of defensive and growth assets, that is 50:50 .


• Has your investment portfolio been set and forget? 


• Is it time to explore what you’re invested in?


• When markets pull back, what will you lose if you’ve been complacent.


• Look at the pie chart where your money is invested from your super provider


• Growth assets include international shares, Australian shares, property, infrastructure


• Defensive assets include cash, fixed interest, international fixed interest and the like


• If we do see a pull back, International and Australian shares could see declines given how well they’ve been performing


• When reviewing assets remember to think about diversification – volume is not diversification


• Remember you can also change what future contributions are made to, so you could start bolstering defensive assets if you felt that was appropriate for your risk management.


• Luke shares his top tips when thinking about your asset allocation and reminds us that asset allocation management is an ongoing concern. 

 

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

 

Do you need help managing your asset allocation in super, investments and retirement?

<figure class="wp-caption alignright" id="attachment_19379" style="width: 300px;"><figcaption class="wp-caption-text" id="caption-attachment-19379">Do you have the right asset allocation in your super and investments and are you happy with the risk you’re carrying? If you need help with your super and retirement planning, make an appointment to meet with Luke.</figcaption></figure>

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. 

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.