12 March 2026
Superannuation sequencing when markets are uneven
Uneven markets make households ask for a number. Practices often answer with a chart. Neither is a sequence. In Household Ledger Studio we treat sequencing as the order of a conversation, not as a prediction of returns.
Start with cash that already has a job
Before anyone mentions contributions, write down the next ninety days of committed cash: tax, school, insurance, the trip that is already booked. If that list is vague, sequencing talk is theatre. The grid’s first column is not super. It is the month that will break if you pretend it is average.
Then name the account that can actually move
Many review packs mix accumulation, pension, and employer amounts as if they were one lever. They are not. An educational map lists which balance the household can influence this year and which is waiting on an employer or a preservation rule. That list is boring. It prevents the meeting from becoming a market story.
Markets as weather, not as a character
When markets are uneven, clients narrate them. Advisers sometimes narrate back. A tighter habit is to say what the office will not do in the next review: no new product comparison unless the licensee process already called for it, no ‘wait for a dip’ slogan. Siteflowgrid is not licensed to tell a household which option to pick. We are licensed, in the ordinary sense of a consulting room, to stop the office inventing a third story that lives in neither the SOA nor the spreadsheet.
A working order we keep using
Committed cash. Movable accounts. What the last SOA already authorised. What must wait for the accountant. Only then, if at all, a sentence about volatility that does not contain a forecast. If that order feels slow, it is because the fast version is how practices end up with three Julys.