You might have seen the recent headlines about the collapse of an investment scheme tied to people’s super.

It’s heartbreaking — thousands of Australians have lost some, or all, of their retirement savings.

Whenever I see stories like this, I’m reminded of the conversations I have with clients.

The promise of “better performance” can be tempting. But behind the scenes, some investments — especially those that are complex, illiquid, or poorly managed — carry hidden risks that don’t surface until it’s too late.

Here’s the simple rule of thumb I use:

If you can’t clearly explain:

• What you own

• How it makes money

• The risks involved

…you’re not investing — you’re trusting blindly.

Yes, returns matter.

But understanding and transparency matter more.

That’s how you protect what you’ve worked so hard to build.

If you’re ever unsure about an investment opportunity, feel free to reach out before you commit — I’m happy to help you make sense of the fine print.

Cheers,

Min