If you’ve recently started a self-managed super fund and are experiencing your first bear market, you might be questioning that decision. All major asset classes have suffered negative returns in 2022. Equities are down 20 per cent, bonds are posting their worst annual return in 30 years, property (which is meant to double in value every 10 years) is falling, bitcoin is worth 60 per cent less than 12 months ago and gold (once seen as a safe haven) is dropping in value.

In these unusual times, the next logical question is: when will returns turn around?