Moving your superannuation balance entirely into cash during market volatility is a critical decision that financial planners generally caution against, as it can lock in short-term paper losses and permanently miss subsequent market recoveries. While cash options protect capital during downturns, long-term super growth relies heavily on compounding returns across diverse asset classes like equities and property. Consulting a licensed financial adviser to evaluate your specific timeline to retirement and risk tolerance is essential before making major asset allocation shifts.