How do we equip the next generation with the financial skills they need for life? 💡 In this episode of Super Insider, Anne talks with Katrina from the Financial Basics Foundation about the importance of financial literacy, the challenges of delivering it in schools, and how programs like Cashed Up are helping young people build confidence, resilience, and healthier money habits. From real student success stories to the barriers teachers face, we explore why financial education is more than numbers - it’s a life skill that can shape futures. For more resources on the Cashed Up Program and to learn how Australian Retirement Trust supports financial wellbeing, visit: https://www.australianretirementtrust.com.au/about/community-partnerships https://financialbasics.org.au/educator-hub/cashed-up-course-catalogue/ Tune in to learn: 02:20 – The importance of teaching financial literacy in schools 03:35 – What financial literacy really is (beyond maths and formulas) 04:28 – How Financial Basics Foundation resources reach 80% of Australian schools 06:02 – A student’s inspiring story from the Cashed Up Holiday Hustle 07:36 – The risks of financial illiteracy in a digital-first world 09:15 – Why compounding interest is a core life skill 10:00 – How parents and carers can get involved 11:00 – The future vision for financial literacy by 2030 11:45 – Why confidence matters just as much as knowledge 12:51 – How financial literacy empowers young women to thrive 🎧 Subscribe now and share the episode with a young person in your life. Together, we can build stronger financial futures. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 👍 Click the thumbs up and give your feedback by leaving a comment. 🔔 Subscribe and hit the notification bell to get the latest episodes. 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs - Host & Executive General Manager of Advocacy and Impact, ART Katrina Samios - CEO, Financial Basics Foundation The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speakers is provided as general information only and not financial advice.
No phones, no windows - three days in the Cabinet Room discussing Australia's economic future. Want to know what we’ll be talking about? In this episode of Super Insider, Andrew Fraser joins Anne Fuchs to share how Australian Retirement Trust is representing our members at the Economic Reform Roundtable in Canberra. As the only super fund with a dedicated seat at the table, we’re helping shape the national conversation of productivity, investment and retirement policy - turning big ideas into real-world benefits for Australians. From explaining what the Roundtable is and why it matters, to exploring how the discussions connect to the everyday realities of Australians, Andrew and Anne unpack the opportunities ahead. Along the way, Andrew also shares his personal perspective on representing members at such a high-level forum and the key questions he hopes to raise on their behalf. This episode provides a look into how Australian Retirement Trust advocates for better outcomes for both our members and all Australians - and how the decisions made in Canberra today could shape the Australia of tomorrow. Learn more about how we’re helping shape Australia’s future: https://www.australianretirementtrust.com.au Tune in to learn: 0:00 - Introduction & why the Roundtable matters 2:15 - What is the Economic Reform Roundtable? 4:50 - Why ART was invited & our submission focus 7:40 - Linking Roundtable themes to members’ lives 10:25 - Productivity: Investing in projects that benefit Australia & members 14:05 - How super can help money move faster between projects 16:50 - Retirement system gaps & opportunities for change 20:15 - Access to better choices for retirees 23:10 - Andrew’s personal perspective & hopes for the Roundtable 25:55 - Looking ahead: Possible policy outcomes for members 🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 👍 Click the thumbs up and give your feedback by leaving a comment. 🔔 Subscribe and hit the notification bell to get the latest episodes. 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs - Host & Executive General Manager of Advocacy and Impact, ART Andrew Fraser – Chairman of the Board, ART
Unlock the insights on economic trends and investment outcomes shaping your superannuation this financial year. Join Anne, Brian, and Andrew as they break down key economic trends, investment winners from airports to AI (via data centres), and what market ups and downs mean for your retirement savings. Whether you’re nearing retirement or just getting started, this EOFY recap gives you the clarity you need to understand your super’s performance and what lies ahead. For more information on how Australian Retirement Trust manages your super and to explore your investment options, visit: https://www.australianretirementtrust.com.au/investments Tune in to learn: 01:00 - Economic overview: inflation, interest rates, and growth 02:20 - Impact of global trade tensions on markets 03:20 - Australia’s economy: steady growth and rising real wages 05:00 - Investment performance highlights & top performing options 06:20 - Why airports, data centers, and private equity are shining 10:30 - The advantage of diversification & scale in investments 12:40 - Understanding market volatility & its role in super 14:00 - Lifecycle strategy: managing risk as you approach retirement 15:00 - Economic outlook & predictions on interest rates 18:00 - Year highlights & the power of financial advice 🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 👍 Click the thumbs up and give your feedback by leaving a comment. 🔔 Subscribe and hit the notification bell to get the latest episodes. 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART Brian Parker – Chief Economist, ART Andrew Fisher – GM, Total Portfolio Management and Resilience, ART Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category. High Growth is our #1 performing option over 10 years to 30 June 2025. Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees. The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary. The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date. Past performance is not a reliable indicator of future performance. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speakers is provided as general information only and not financial advice.
Aged care in Australia can feel complex – but it doesn’t have to be! In this episode of Super Insider, we sit down with Justin Bott from Services Australia, to break down the real costs of entering aged care, how superannuation plays a role, and the myths that stop people from planning ahead. Whether you’re approaching retirement, supporting ageing parents, or simply planning for the future, this episode is packed with practical insights and expert advice. Tune in to learn: 01:23 – What is aged care & who actually pays? 07:41 – The 3 main types of aged care fees explained 13:34 – RAD vs DAP: Lump sum vs daily payment 15:12 – Means-tested fees & government caps 19:51 – Luxury aged care & extra service fees 21:52 – Do I need to sell my home for aged care? 23:39 – How the rules differ for couples vs singles 27:03 – How superannuation fits into aged care 29:20 – Busting the biggest aged care myths 33:16 – Where to get trusted, expert help 🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider Want to speak to someone? My Aged Care: 1800 200 422 Aged Care Specialist Officer (Services Australia): 1800 227 475 Or visit www.myagedcare.gov.au to explore your options. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO LINKS MENTIONED IN EPISODE About Services Australia https://www.servicesaustralia.gov.au/ My Aged Care www.myagedcare.gov.au IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE Age Pension Expert Q&A - rules, common mistakes and how to qualify https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-34 The secrets to a happy retirement with Professor Joanne Earl https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-35 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 👍 Click the thumbs up and give your feedback by leaving a comment. 🔔 Subscribe and hit the notification bell to get the latest episodes. 💝 Share this episode with a friend who needs to hear it. CREDITS Kane Everingham, Australian Retirement Trust, Education Team Leader Justin Bott, Services Australia, Community Information Officer The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speakers is provided as general information only and not financial advice.
Ever wondered how the Commonwealth Seniors Health Card works and how you qualify? In this episode, host Kane Everingham sits down with Justin Bott from Services Australia to break down everything you need to know – from how to qualify, to the savings it can unlock on medical and other everyday expenses. Tune in to learn: 00:00 🎙️ What is the Commonwealth Seniors Health Card and who can get it? Justin explains the key eligibility requirements, including age and income thresholds. 03:30 💊 What benefits does it provide? From cheaper prescription medicines to potential savings on bulk billing and state-level concessions. 06:30 📱 How to apply and access your card - Online, on your phone, or via paper – choose the method that suits you best. 08:00 🧾 Other concession cards and bonus tips - Learn about other card types like the Low Income Health Care Card and how to claim backdated prescription savings. For more info or to apply, visit servicesaustralia.gov.au or your state seniors website. 🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO LINKS MENTIONED IN EPISODE About Services Australia https://www.servicesaustralia.gov.au/ IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE Age Pension Expert Q&A - rules, common mistakes and how to qualify https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-34 The secrets to a happy retirement with Professor Joanne Earl https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-35 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 👍 Click the thumbs up and give your feedback by leaving a comment. 🔔Subscribe and hit the notification bell to get the latest episodes. 💝 Share this episode with a friend who needs to hear it. CREDITS Kane Everingham, Australian Retirement Trust, Education Team Leader Justin Bott, Services Australia, Community Information Officer The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg. Any information given by the guest speakers is provided as general information only and not financial advice.
What do one of Australia’s top tourism brands and a $300 billion super fund have in common? More than you might think! We’re on location at Discovery Parks Byron Bay to explore a surprising way Aussies are growing their super – just by booking a holiday. Host Anne Fuchs sits down with Grant Wilckens (G’Day Group CEO) and Michael Weaver (ART Head of Global Real Assets) to talk about: 00:00 Why taking a holiday is good for your superannuation and retirement 01:36 🌏Owning a slice of Australia – G’Day Group Discovery Parks run more than 90 holiday parks in stunning spots like Byron Bay, Cradle Mountain, Rottnest Island and the Kimberley. 06:10 🚙The evolution of caravan parks – once just powered sites for motorhomes, holiday parks now offer everything from luxury lodges to glamping. The industry has grown into a billion-dollar business. 07:00 💰Big investments, big growth – with more than $2 billion in assets, Discovery Parks is ART’s largest real estate investment. And it’s still growing. That’s good news for your super. 08:00 🏖️Your super, your holidays – every stay helps ART members grow their retirement savings. Super isn’t just about the future; it’s working for you right now. Tune in for more insights. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO LINKS MENTIONED IN EPISODE About G’Day Group https://www.australianretirementtrust.com.au/advisers/articles/gday-group Investing in super https://www.australianretirementtrust.com.au/investments/options IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE Invest smarter: Risk vs returns in superannuation What’s a good super balance for my age? Here’s how to check 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review). Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs, ART Executive General Manager, Advocacy and Impact Grant Wilckens, G’Day Group CEO Michael Weaver, ART Head of Global Real Assets The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speakers is provided as general information only and not financial advice.
There’s a lot happening in the world right now. What does it mean for your super? You might be hearing about changes in the stock market. It can sound confusing – but here's the truth: 👉 Your super is built for the long term 👉 Short-term noise doesn’t mean long-term loss In this episode of Super Insider, we explain what’s going on and make sense of how current events may impact your retirement savings (spoiler alert: not as much as you might think). Hear from our experts ART's Chief Economist, Brian Parker, Senior Education Manager, Joshua van Gestel, and host Anne Fuchs. Why you need to tune in: 00:00 Market volatility and your superannuation 02:35 How your investment team thinks about volatility - and why it's not always bad news 03:10 Understanding the benefits of staying invested, even when markets dip 04:18 Tips for keeping emotions out of your investment decisions 07:23 How our Lifecycle default option helps protect members nearing retirement 09:18 Why diversification and access to global private assets give your super strength in uncertain times Take 10 minutes and listen in. You might walk away with a fresh perspective - and peace of mind. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMENDATIONS What you need to know about market volatility and your super Strong super performance IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE Invest smarter: Risk v return in superannuation Exclusive Q&A with ART’s Chief Investment Officer – How we invest $300 billion in superannuation 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review). Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs Executive General Manager of Advocacy and Impact, Australian Retirement Trust Brian Parker Chief Economist, Australian Retirement Trust Joshua van Gestel Senior Education Manager, Australian Retirement Trust The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speakers is provided as general information only and not financial advice.
Artificial Intelligence is the future of work. It’s already shaping careers, money and daily life. But are you using it to your advantage? In this International Women’s Day episode of Super Insider, we ask AI expert Dr Nici Sweaney (Ai Her Way) and ART investment partner Elicia McDonald (Airtree) how AI can cut stress, boost careers and reduce the mental load. Did you know? 🤖 There are about 31,000 generative AI tools in the market 💵AI could add $16 trillion to the global economy by 20301 🏢 AI could create 200,000 new jobs in Australia in the next 5 years2 😟Only 22% of AI experts are women3 Why you need to listen 04:16 What’s generative AI and what can it do for you 09:25 Ways to use AI – no coding skills needed! 11: 58 Practical tools to lighten your load so you can focus on what matters 15:05 AI safety and ethics FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMMENDATIONS Ai Her Way https://www.aiherway.com.au/ Check out Dr Nici’s AI course Ai Her Way offers a practical, high-impact AI course for all the knowledge and tools you need—without the complexity. Super Insider listeners can experience the Fundamentals of AI course free for 14 days, plus 50% off 1st-month membership on course completion, and downloadable content. Airtree https://www.airtree.vc/ Airtree is an ART investment partner, with an interest in female founders. Read more about our partnership here. AI tools to make life easier ChatGPT, CoPilot, Granola, Claude 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review). Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs Executive General Manager of Advocacy and Impact, Australian Retirement Trust Dr Nici Sweaney, AI strategist and founder of AI Her Way, a platform empowering female entrepreneurs with ethically designed AI tools. Elicia McDonald, partner at Airtree, one of Australia’s leading venture capital firms, investing in groundbreaking AI technology and proudly supported by Australian Retirement Trust. 1. PwC's Global Artificial Intelligence Study, accessed 19 March 2025 at pwc.com 2. Meeting the AI Skills Boom, 2024, accessed 19 March 2025 at techcouncil.com.au 3. AI's Missing Link: The Gender Gap in the Talent Pool, 2024, accessed 19 March 2025 at interface-eu.org The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speakers is provided as general information only and not financial advice.
It’s the million-dollar question (literally): How much super do you actually need for retirement? 🧐 If you think you need $1 million, you might be surprised. In this must-listen episode of Super Insider, host Anne sits down with super educator Josh van Gestel to break it all down. No confusing jargon, no wild guesses—just clear, practical facts to help you work out how much you might need for a comfortable retirement. Listen and you’ll discover: 00.00 🎙️How much super do I REALLY need to retire? 02.27 💰 How much super should you have, and why the ‘million-dollar retirement’ myth might not apply to you 03.08 🖐️ The 5 simple steps to working out YOUR retirement number 04.21 ❓ What age do you want to retire? 05.20 🏖️ How long will your retirement be? 06.45 🤔 Consider your own situation 07.45 ✈️ What are your needs and wants? 07.50 🏡 How factors like lifestyle, home ownership, and retirement age change your number 09.07 🔢 Work out your number 09.16 🛠️ The simple retirement planning tool that tells you if you’re on track (and how to fix a gap) 💫 If you’re unsure about how much you really need to retire, this chat will make things clearer. And when you know where you stand, you can plan better and feel more confident about the future. 🎧Click to watch or listen now. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMMENDATIONS ART Retirement calculator Planning your retirement ART Seminars and webinars IF YOU LIKED THIS EPISODE YOU MAY LIKE Age Pension Australia – understand the rules and how to qualify What’s a good super balance for my age? Here’s how to check 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review). Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs, ART Executive General Manager, Advocacy and Impact Josh van Gestel, ART Senior Manager - Education Delivery The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
Many of us have life and other insurances through our super, but do you really know what it covers? Could you confidently say you’re protected if the unexpected happened? In today’s episode we dig into the essentials of insurance in superannuation, and what too many people overlook. You’ll hear real-life stories, expert insights and surprising facts that might make you rethink your cover. You’ll learn: the 3 most common types of superannuation insurance the mistake people make with their super cover (and how to fix it) why your biggest asset is you how to make a claim. Don’t wait until it’s too late. Hit play now and make sure you and your loved ones are properly protected. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMMENDATIONS Insurance cover in your super https://www.australianretirementtrust.com.au/insurance Insurance calculator https://www.australianretirementtrust.com.au/learn/tools IF YOU LIKED THIS EPISODE YOU MAY LIKE What to do if you’re facing an unplanned retirement https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-32 Is financial advice worth it? The power of planning for retirement https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-24 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review). Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs, Executive General Manager - Advocacy & Impact Kane Everingham, Team Leader – Education Delivery April Smith, Education Lead The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide to tell you about that advice and how they’re paid.
We’ve just had an interest rate cut. Mortgage owners are excited. Find out what it means for your savings and super. Join Super Insider host Anne Fuchs and ART’s Chief Economist Brian Parker as they unpack: 🏡 Rate cut impacts and will we see another one soon? 💰 Will your retirement savings grow or shrink? 🏖️ What does it mean for those preparing to retire? Brian shares his take on tariffs and what's really going on in the US economy, too. 🤔 🎧 Listen now. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMMENDATIONS ART’s Investment Reports https://www.australianretirementtrust.com.au/investments/performance/reports ART’s Strong Super Performance https://www.australianretirementtrust.com.au/about/why-choose-us/strong-super-performance IF YOU LIKED THIS EPISODE YOU MAY LIKE How we invest $300 billion https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-31 The strategy behind super returns https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-29 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review). Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it. CREDITS Anne Fuchs, ART Executive General Manager, Advocacy and Impact Brian Parker, ART Chief Economist Past performance is not a reliable indicator of future performance. High Growth Option over 10 years to 31 December 2024. Source: SuperRatings Fund Crediting Rate Survey - SR50 - Growth (77-90) Index and Growth (77-90) category, 31 December 2024. Option name was Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024, now High Growth. Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees. The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Option returns will differ for individuals. Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. Investment objective is after investment fees and costs, transaction costs, and investment taxes. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide to tell you about that advice and how they’re paid.
Do you ever wonder if you have enough superannuation? This episode is your no-stress guide to checking your super balance, setting clear goals, and taking simple steps to secure your future. It’s packed with practical tips to help you feel confident about your retirement savings—no jargon, just straight answers. Here’s what you’ll learn ❓ How much super do you need? Get clear on your retirement goal with benchmarks like the Association of Superannuation Funds of Australia (ASFA) standards. 🎯 The power of compounding: See how your super may grow over time with small, consistent contributions. 😎 What’s a ‘super buddy’? Discover why talking about super with trusted friends can make a big difference. 🏃♀️ Simple steps you can take today: Whether you’re ahead or playing catch-up, these tips will help. Why you should listen 💡 Wondering if you’re saving enough for a ‘comfortable’ retirement? 💡 Not sure where to start or how to boost your super balance? 💡 Looking for easy, actionable ways to secure your future? This episode is all about YOU and your financial confidence. Whether you’re a seasoned saver or just starting your super journey, we’ve got you covered. 🎧 Ready to awaken your super? Hit play now to listen or watch. RECOMMENDATIONS How much super should I have? https://www.australianretirementtrust.com.au/superannuation/how-much-super-should-i-have Retirement planning: get ready for life after work https://www.australianretirementtrust.com.au/retirement/retirement-planning IF YOU LIKED THIS EPISODE, YOU MAY LIKE Ready to retire? What you need to know https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-28 Is financial advice worth it? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-24 🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD 💙 Subscribe for regular updates (please leave us a rating or review) Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it CREDITS Joshua van Gestel, Senior Manager – Education Delivery Ruth Weaver, Team Leader - Education The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide to tell you about that advice and how they’re paid. Investment earnings can go up and down and be negative at times. Before you consolidate, think about whether it’s right for you. You could lose access to benefits such as insurance or pension options, and you need to consider tax implications.
Retirement gives you back something precious: time. So, what's your plan for a full and happy retirement? On today's episode, organisational psychologist and retirement planning researcher Professor Joanne Earl shares practical strategies for this exciting new life chapter. They include: · what you need to think about (hint: it’s not just your finances) · how to make the transition from work to retirement easier · hobbies, volunteering, or starting a side project · investing time in relationships and avoiding loneliness · prioritising physical activity and self-care. Retirement is an opportunity to design the life you really want. Listen now to learn the strategies you need to achieve it. Liked the episode? Could you do 1 (or some?) of the below for us? 💙 Subscribe for regular updates (please leave us a rating or review) Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 💝 Share this episode with a friend who needs to hear it RECOMMENDATIONS Macquarie University Holistic Retirement Planning Program https://openmq.com.au/course/HRPP01 Planning your retirement https://www.australianretirementtrust.com.au/retirement Transition to retirement https://www.australianretirementtrust.com.au/retirement/getting-ready/income-accounts/transition-to-retirement IF YOU LIKED THIS EPISODE YOU MAY LIKE Ready to retire? Understand your superannuation options at retirement https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-28 Age Pension Australia – understand the rules and how to qualify https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-27 CREDITS Anne Fuchs, Executive General Manager - Advocacy and Impact Professor Joanne Earl, organisational psychologist The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speaker is provided as general information only and not financial advice.
Our first Age Pension episode was a massive hit so we’re back with a second instalment. In this episode of Super Insider, Age Pension expert Justin Bott from Services Australia returns, this time with ART’s Education Team Leader, Kane Everingham. Together, they tackle some of the most common – and misunderstood – questions about the Age Pension. You’ll hear simple answers about who qualifies, what the income and asset tests involve, and how you can keep more money in your pocket. 00:00 Age Pension Q&A: What you need to know 02:06 What’s the Age Pension? 02:41 Who is eligible for the Age Pension? 03:24 What are the income and assets tests? 05:35 Can I earn an income and still get a pension? 07:51 What happens if I apply for Age Pension before my partner? 09:11 How does my super impact my pension? 09:44 What’s a deemed financial asset? 12:45 How does lump sum super withdrawals affect the Age Pension?? 14:50 What are some common misunderstandings about the Age Pension? 17:12 Does home ownership change my Age Pension eligibility? 19:10 Can I downsize my home and get the Age Pension? 20:41 Does receiving an inheritance affect my pension? 24:10 Can I gift money or assets without it affecting my pension? 27:40 Can I loan money while receiving Age Pension? 28:45 When’s the best time to apply for the Age Pension? 29:55 What do I need to apply for the Age Pension? If you’re confused about how the Age Pension works, wondering if you’re eligible, or want to know how your super and other assets could affect your payments, we’ve made this episode for you. Jump in and listen now. 🎧 Enjoyed the episode? Don’t forget to: 💙 Subscribe for regular updates Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 😎 Share this episode with a friend who needs to hear it! ❓ Drop us your questions in the comments or at podcast@art.com.au – we’d love to hear from you. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
Superannuation is one of the best tools we have to plan for the future. It helps us save for retirement and gives everyday Australians a chance to invest and grow their money over time. In this episode, Anne Fuchs chats with Misha Schubert, the CEO of the Super Members Council (SMC), about how super has completely changed retirement for Australians. They’ll also cover a few easy steps you can take right now to help you get more out of your super. Here’s what you’ll learn: · How super can make saving for retirement less stressful · What the gender super gap is, why it happens, and how we can fix it · Simple tips to combine your accounts and grow your balance faster · Why unpaid super affects millions of workers—and how to make sure you get what’s owed to you This episode is full of practical tips, expert advice, and ideas to help you create a more secure retirement. Don’t wait—tune in now and take control of your super! 🌟 Enjoyed this episode? Don’t forget to: 💙 Subscribe for regular insights Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 😎 Share this episode with a friend who needs to hear it! ❓ Drop us your questions in the comments or at podcast@art.com.au - we’d love to hear from you. RECOMMENDATIONS How super works What is superannuation? IF YOU LIKED THIS EPISODE YOU MAY LIKE Super 101 – your questions answered Our top 10 retirement questions answered CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Mischa Schubert, Chief Executive Officer, Super Members Council The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
Have you ever considered what would happen if you were forced to retire earlier than planned? Whether due to illness, injury, or job loss, unplanned retirement can make a big change to your financial future. In this episode, Anne and Josh dive into practical ways you can manage if you suddenly face retirement. They unpack key questions like: How to assess your situation Steps you can take to get on track Options to access your super How to better prepare now If you’re worried about a sudden retirement, or want to be better prepared, listen in to the episode and check your super balance today. And remember, getting personal financial advice can make all the difference. If you’re a member with us, advice about your super account is included in your membership1. Tune into Super Insider now to find out how you can turn life’s unexpected challenges into opportunities for a secure retirement. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMMENDATIONS Insurance cover in your super What is a downsizer contribution? IF YOU LIKED THIS EPISODE YOU MAY LIKE Making your money last through retirement Income in retirement - how to access your superannuation Is financial advice worth it? WE’D LOVE TO HEAR FROM YOU! If you found this episode helpful, drop us a comment and let us know the topics or questions you’d like us to cover next. Or email us at podcast@art.com.au. Thank you! CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Joshua van Gestel, Australian Retirement Trust Senior Manager Education Delivery 1.Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd ABN 50 087 154 818, AFSL 227867 (SFS) or QInvest Limited ABN 35 063 511 580, AFSL 238274 (QInvest), both wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS and QInvest are separate legal entities responsible for the financial services they provide. Eligibility conditions apply. Refer to the Financial Service Guide available at art.com.au/fsg for Super Savings and qsuper.com.au/disclosure for QSuper. You can find out more about your advice options at art.com.au/advice for Super Savings and for QSuper at qsuper.qld.gov.au/advice. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2023. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
In the lead up to our Annual Members’ Meeting this month host Anne Fuchs sits down with ART's Chief Investment Officer, Ian Patrick, to answer questions about how members’ super is invested. Managing billions of dollars in assets is no small talk, and Ian reveals the careful decisions ART makes to protect members’ financial wellbeing and deliver long-term returns. They cover everything from responsible environmental, social and governance (ESG) investing to managing risk when the markets get rocky. All while keeping one goal in mind – helping our members achieve their best retirement. Here are the specifics: 00:00 How we invest $300 billion 02:06 What does great investing look like? 05:40 Why have returns differed between QSuper and Super Savings? 07:43 What other asset classes are driving returns? 09:08 What is the default investment strategy for retired members? 11:17 What’s ART’s approach to environmental, social and governance (ESG) investing? 14:47 What’s ART’s strategy around investing in gold? 15:57 What is ART doing to protect members’ money? 17:38 How does ART protect against currency movements? 19:27 What’s ART’s role in supporting Australia’s social responsibilities? This episode simplifies investment strategies, showing how ART protects and grows money. Whether you’re a member with us, or considering switching, it’s a must-listen to learn more about our strategic future focus. Stay updated with the latest episodes. Subscribe to Super Insider wherever you get your podcasts. And never miss an episode as we help you get the most from your super. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS Investing in super https://www.australianretirementtrust.com.au/investments/options Sustainable investing https://www.australianretirementtrust.com.au/investments/how-we-invest/sustainable-investing https://www.australianretirementtrust.com.au/investments/how-we-invest/sustainable-investing IF YOU LIKED THIS EPISODE YOU MAY LIKE The strategy behind super returns Our top 10 retirement questions answered WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Ian Patrick, Australian Retirement Trust Chief Investment Officer Past performance is not a reliable indication of future performance. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
Are you looking forward to your retirement? If you’re part of a couple, sharing your superannuation could be a game-changer, with potential tax benefits and earlier access to funds. Which means you may be able to retire sooner. It’s an exciting opportunity to improve your lifestyle in retirement. If you tick all the boxes for the ATO to call you a ‘spouse’, you and your partner can share money in your super accounts. Listen in and you’ll learn: 01:33 Why can’t my spouse and I have one combined super account? 02:35 What are the benefits of sharing super? 03:40 What is a spouse contribution? 04:34 How does spouse super splitting work? 05:13 How much super can I share? 06:32 Super sharing strategies 08:23 Maximising Age Pension, if you have an age gap 09:33 Transfer balance cap strategies 10:49 Carry-forward rule strategies 12:10 Recontribution strategies 13:10 What happens to my super if I separate or divorce? Jump in and listen now. But just before you do, we’d love to invite you into our Super Insider community. Subscribing to Super Insider today means you’ll never miss an episode. And it’ll help us make the podcast even more valuable for you. The links to subscribe are below ⬇️⬇️. We hope you enjoy the episode. FOLLOW SUPER INSIDER Spotify - https://open.spotify.com/show/1aXYHWZ... Apple Podcasts - https://podcasts.apple.com/au/podcast... RECOMMENDATIONS Spouse Contributions https://www.australianretirementtrust.com.au/superannuation/contributions/voluntary/spouse Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you IF YOU LIKED THIS EPISODE YOU MAY LIKE How much super you need to retire. And how to get it. https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3 Super contribution strategies https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-23 WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education April Smith, Education Specialist Kane Everingham, Team Leader Education Delivery The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
Investing isn’t just about following the market – it’s about having the ability to make the right calls. In this episode, we bring you an inside look at the investment expertise that drives returns for your superannuation savings. Our Head of Investment Strategy, Andrew Fisher, explains how his team builds portfolios that aim to grow retirement savings while managing risk. And how expert decision–making and market insights come together to make sure your retirement savings are working hard for your future. You’ll learn: ✅ How our investment team craft diverse portfolios designed to grow your super over the long term ✅ The strategic choices behind our recent investment returns ✅ How we seek to stay ahead of market changes to maximise opportunities for our members. Whether you’re a member with us, or simply curious about how super funds invest, this episode gives you practical insights into the strategies that aim to grow superannuation savings. Join us and be part of a community that’s focussed on helping you retire well with confidence. Subscribe to Super Insider now by using links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS Choosing the right investments for you Australian Retirement Trust new investment options IF YOU LIKED THIS EPISODE YOU MAY LIKE Invest smarter: Risk vs. returns in superannuation WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Andrew Fisher, Australian Retirement Trust Head of Investment Strategy Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
Do you know how you’ll set up your finances once you’ve stopped working full time? If you want to understand your options at retirement and how to access your super, this Super Insider episode has been made for you. It’s one of our popular Q&A sessions where we unpack how to plan for the lifestyle you’ve worked your whole life for. We cover some of our most frequently asked questions like: 0:00 Ready to retire? 1:28 What's the age that I can retire? 3:47 What does preservation age mean? 5:03 How much should I aim to save before I retire? 8:49 How do I start using my super? 13:16 When can I access the Age Pension? 18:33 How will tax affect my income in retirement? 19:46 What's the downsizer super contribution? 22:31 What happens to my super when I pass away? Whether you’re winding down work, or are planning to retire soon, this is the episode that will keep you on track. Join our community of people keen to live their best retirement. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS For guidance on super balances and retirement planning How much super do I need? For information on Age Pension eligibility and rules Age Pension Services Australia IF YOU LIKED THIS EPISODE YOU MAY LIKE Transition to Retirement – your guide to accessing your super while still at work What happens to super when you die? WE’D LOVE TO HEAR FROM YOU! If you found this episode helpful, drop us a comment and let us know the topics or questions you’d like us to cover next. Or email us at podcast@art.com.au. Thank you! CREDITS Ruth Weaver, Australian Retirement Trust Education Manager Adele Fisk, Australian Retirement Trust Financial Adviser The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speaker is provided as general information only and not financial advice.