If there’s one thing superannuation statements are very good at doing, it’s confusing people. As interest rates rise again after a long stretch of historic lows, that question matters more than ever. Higher rates ripple through the economy in ways most of us don’t immediately see. But here’s the uncomfortable truth: none of that matters much if you don’t understand what kind of investor you actually are. Because when markets wobble – and they always do – your biggest risk isn’t volatility.