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The allure of this precious metal has been fuelled by nervy investors across the globe who are pushing the price towards $US3,500 ($AU5,488) an oz. But advisers caution about jumping onboard at this stage of the investment cycle.

“Liberation Day” has sparked a massive market correction. While some might be tempted to change course and increase their cash holdings, advisers warn against a knee-jerk reaction.

Three adviser firms are telling their clients to trust their portfolio structures to ride out the current market volatility largely sparked by a looming trade war.

Homeowners with hefty mortgages and the government might have been all smiles after 25 basis points were shaved off the cash rate last week, but it came as a body blow to self-funded retirees wedded to term deposits.

By stress testing portfolios in rising markets, Atchison Consultants principal Kev Toohey argued, investors can better understand how they would perform in a market downturn. For retirees, in particular, this could provide a valuable lesson.

Speakers including Jon Glass and Bec Wilson discussed what it means to retire and how best to enjoy the golden years at this exclusive Wattle Partners retirement event.

Retirement coach Jon Glass will explain to a one-day event focusing on the ‘golden years’ why it’s important everyone finds a new meaning in life after leaving the workforce.

A one-day conference will offer some concrete steps for those heading into or in retirement already about how they can enjoy their golden years – whether it be their health, well-being, relationships or social engagement.

While recent studies estimate the total savings needed for retirement at about $1 million, specialists caution against a one-size-fits-all approach, and many Australians could be “comfortable” on less.

The approach of retirement requires a profound change in how investors approach markets and construct portfolios, including arranging their income needs around three distinct periods of retired life, the financial advice firm’s founders said.