About us Our investment managers Investing with us Insights Institutional clients Home Insights Investor education Investor education As an investor, you need to consider your investment goals and create a plan that will help you meet your financial objectives regardless of how the markets are performing. Giving yourself the best opportunity to do this requires careful decision making and a good understanding of your investment options. From investment basics to retirement considerations, our education series can help you with the knowledge and tools you need to achieve better investment outcomes. Please note that MLC Asset Management has not taken into account individual investor objectives, financial situations or needs. If you need help with your investment strategy you should speak to an authorised financial adviser. Why do investment markets go up and down? Markets will always rise and fall. But while changes in the value of your investments can be unsettling, it’s important to take a long-term view. Watch now business news What is diversification? Putting all your investment eggs in one basket can work when the investment is performing well, but could leave you very exposed if anything goes wrong. Diversification - spreading your money across different investments - can help you manage that risk. Watch now video updates Why invest for the long term? As a rule of thumb, if you want higher returns, you should be prepared to hold onto your investments for a number of years - and expect that they may fluctuate in value a lot over time. Watch now business news Why understanding risk matters Did you know that every type of investment has some risk? Investments that are expected to have higher returns also have higher risk. You need to be comfortable with the level of risk you’re taking. Watch now video updates About us News and insights Contact us Privacy policy opens in a new window Terms and conditions Complaints policy Connect with us opens in a new window IOOF Holdings Ltd ABN 49 100 103 722. MLC Limited uses the MLC brand under licence. MLC Limited is a part of the Nippon Life Insurance Group and not part of the IOOF Group of Companies.