Super Insider

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

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: 

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? 

It's the million-dollar question (literally): How much super do you actually need for retirement?

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      

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:  

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. 

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?

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.

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!

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. 

Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know.  Tune in to learn:  the rules for eligibility  how Age Pension payments are calculated  what income and assets are counted  how to claim through Services Australia  what to do if your circumstances change.  Whether you're close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence.  FOLLOW SUPER INSIDER    Apple Podcasts - https://podcasts.apple.com/au/podcast...    Spotify - https://open.spotify.com/show/1aXYHWZ...     RECOMMENDATIONS    How the Age Pension and super work together  How much Age Pension can you get?  IF YOU LIKED THIS EPISODE YOU MAY LIKE    Income in retirement: how to access your superannuation  Is financial advice worth it?  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 Advice, Guidance and Education    Justin Bott, Services Australia Customer 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.   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.     

In this episode, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education, Anne Fuchs, and Chief Economist, Brian Parker, explore how global economic trends affect your superannuation and retirement plans.  They cover:  Why super funds have Chief Economists and their role in managing your retirement savings  How economic trends and global events are impacting your super returns  How rising inflation impacts your retirement savings, and how it's managed  The long-term economic trends that influence your investment returns  How changing demographics and economic volatility shape retirement planning.  Join us, and our community of people keen to live their best retirement life, by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future.    FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ...    RECOMMENDATIONS   Australian Retirement Trust's new investment options menu   https://www.australianretirementtrust.com.au/investments/options IF YOU LIKED THIS EPISODE YOU MAY LIKE   Retire earlier: superannuation contribution strategies  Is your superannuation on track – 6 steps to awaken your super  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   Brian Parker, Australian Retirement Trust Chief Economist    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.   This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper.   This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/disclosure or call us on 1300 360 750 for a copy. 

On the show we're peeking behind the curtain of our super investment team to see how they look after members' money.  Join our host Anne Fuchs and Australian Retirement Trust's Head of Investment Strategy and Head of Private Corporate Assets as they talk portfolios, investment decisions and the Covid-fuelled rise of the ‘meme stock'.  Listen to learn

In this insightful episode of Super Insider we deep dive into the world of financial advice and retirement planning with Garth Collingwood from River City Financial Planning. Join host Anne Fuchs as she chats with Garth about the most common concerns and misconceptions around professional financial advice.  Highlights  The number one question Garth gets asked and why the answer isn't one-size-fits-all.  Why financial advice is for everyone, regardless of wealth.  The truth about the cost of financial planning.  Tips for how to approach retirement with confidence, even if you're feeling overwhelmed.   GET IN TOUCH:  We'd love your feedback for our podcast including any topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au  RECOMMENDATIONS  What types of financial advice are there?  https://www.australianretirementtrust.com.au/advice/options  To find a financial adviser who offers the right service for you   Financial Advice Association Australia. For tips on working with a financial adviser FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...                                                                               CREDITS  Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.  Guest: Garth Collingwood, River City Financial Planning Principal and Senior Financial Planner.   Any advice given by Australian Retirement Trust is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. If you need financial advice about more than just your super, we may refer you to an accredited external financial adviser. Advice of this nature may incur a fee. You can find out more about financial advice options at https://www.australianretirementtrust.com.au/advice/options. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees in the Australian Retirement Trust group. Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.    Any advice given by the guest speaker is provided in their role as the authorised representative of Fintegrity Wealth Advisers Pty Ltd (ABN 89 653 321 487, AFSL 534971). The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee of Australian Retirement Trust. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, trustee of Australian Retirement Trust ABN 60 905 115 063. Any reference to “QSuper” is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

In this Super Insider episode, we'll cover how you may be able to retire earlier by adding extra money to your superannuation. Our experts will explain the different types of super contributions. Discover how small contributions can lead to significant growth, ways you may be able to reduce your taxable income and how the government co-contribution scheme supports low-income earners. You'll also learn how downsizer contributions work, and why you might want to split your super with your spouse. Here's what's covered: 2.27 What is the Super Guarantee? 3.54 What are before-tax contributions? 7.21 What are after-tax contributions? 10.21 What's the Federal Government co-contribution? 11.22 What are downsizer super contributions? 14.04 What are spouse super contributions? 14.50 What's super splitting? 20.46 Where can I get more information? Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. RECOMMENDATIONS Australian Retirement Trust Contributions Calculator ATO guidelines on concessional and non-concessional contributions IF YOU LIKED THIS EPISODE YOU MAY LIKE How much super you need to retire, and how to get it FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ...                                                                              GET IN TOUCH:  We'd love your feedback for our podcast including any topics or questions you'd like us to cover on future episodes. Please email us at podcast@art.com.au  CREDITS April Smith, Australian Retirement Trust Member Education Officer Kane Everingham, Australian Retirement Trust Team Leader Member Education Past performance is not a reliable indicator of future performance. Any advice given is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

In this episode, Australian Retirement Trust Chief Economist Brian Parker and Senior Manager of Education Joshua van Gestel, share their knowledge and insights on the current economic outlook including inflation, interest rates and potential investment opportunities.  They also cover:  how the recent Federal Budget affects your super   the state of interest rates and inflation, plus  why this year's United States election may affect the global economy.  Host Anne Fuchs keeps the conversation lively, ensuring you leave with actionable insights.  Whether you are just starting your career, or nearing retirement, subscribe to Super Insider today and expand your super knowledge. You'll find us wherever you get your podcasts.  PS. Don't forget to share this with family and friends who might also benefit.    RECOMMENDATIONS  Budget 2024-24  https://budget.gov.au/index.htm    Parental leave super boost  https://qsuper.qld.gov.au/news-hub/articles/2024/05/14/21/38/parental-leave-super-boost    What's changing in super from July 2024?  https://www.australianretirementtrust.com.au/learn/education-hub/1-july-2024-superannuation-changes    IF YOU LIKED THIS EPISODE YOU MAY LIKE  Is your superannuation on track?  https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-20    How to choose your super options?  https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8    FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ....     GET IN TOUCH We'd love your feedback for our podcast including any topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au    CREDITS Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.   Guests: Brian Parker, Australian Retirement Trust Chief Economist and Joshua van Gestel, Australian Retirement Trust Senior Manager of Education.    Past performance is not a reliable indicator of future performance.  Any advice given is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.   This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

Ever wonder what happens to your super after you retire? You're not alone. In this episode of Super Insider, Australian Retirement Trust educators Ruth Weaver and Steven Fehring unpack the power of retirement income accounts – also known as account-based pensions – and how to turn your super into a reliable income stream once the pay checks stop.  Tune in to learn the simple rules and surprising benefits of these accounts, so you can plan a stress-free golden age with confidence.   Here's what's covered:  01:38 What's an income account?  02:23 What's the difference between superannuation and income accounts?  05:17 What are my payment options?  05:46 How much money do I have to take out?  07:08 How long is my super going to last?  08:34 What are the advantages of an income account?  9:56 Am I eligible to open an income account?  11:10 Can I change my mind?  11:52 Can I have a joint account?  13: 18 When can I open an income account?  14:15 How do I compare income accounts?  17:03 How much can I put into an income account?  17:39 What's the minimum drawdown amount?  18:55 Can I close an income account?  20.03 How do I open an income account?  Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future.  GET IN TOUCH:  We'd love your feedback for our podcast including any topics or questions you'd like us to cover on future episodes. Please email us at podcast@art.com.au  RECOMMENDATIONS:  Moneysmart Retirement Planner  https://moneysmart.gov.au/retirement-income/retirement-planner  Australian Retirement Trust Retirement Calculator  www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you  What's the Retirement Bonus?  www.australianretirementtrust.com.au/retirement/getting-ready/income-accounts/retirement/bonus    FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1     CREDITS:  Ruth Weaver, Australian Retirement Trust Education Manager   Steven Fehring, Australian Retirement Trust Member Education Officer  Any advice given is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.   

Is your superannuation on track? Did you know 55% of Australians aren't sure they'll have enough super by the time they retire? (2) Research shows you could be better off in retirement if you get on top of your super now. (3) In this episode, Australian Retirement Trust education leaders Ruth Weaver and Joshua van Gestel discuss:   how to check your super is on track   why it's essential to understand your ‘super style'    ways to unleash your super's potential  tools that can help you take the next steps with your super   #Superannution #Retirement #Super  IF YOU LIKED THIS EPISODE YOU MAY LIKE:   Super 101: Your questions answered   https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-14     Our top 10 retirement questions answered   https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-16      RECOMMENDATIONS:   Awaken your super   https://www.australianretirementtrust.com.au/superannuation/awaken-your-super     FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1      GET IN TOUCH:   We'd love your feedback for our podcast including any topics or questions you'd like us to cover on future episodes. Please email us at podcast@art.com.au   -------------------------------------------                                                                                           CREDITS:   Host: Joshua van Gestel, Australian Retirement Trust Senior Manager, Education   Guest: Ruth Weaver, Australian Retirement Trust Education Manager   Any advice given is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.   Before you consolidate your super, please consider if the timing is right to bring your super together, and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications.  Past performance is not a reliable indicator of future performance.  Investment Trends 2022 Super Member Engagement Report, page 107  2. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2022.  3. Superannuation: Assessing Efficiency and Competitiveness report 2018 Productivity Commission

Get ready for the end of the financial year with Super Insider. Host Anne Fuchs and guest Steven Fehring share some great ways you could grow your super and save on tax. Here's a sneak peek of what you'll learn:  why putting money into super could help you pay less tax  what salary is sacrifice and how it works  how to claim a tax deduction on personal super contributions  Remember, the more you know about superannuation, the more you can plan for your future. Subscribe to Super Insider now.  IF YOU LIKED THIS EPISODE YOU MAY LIKE: Can I use my super to buy a house? https://www.australianretirementtrust... How much do I need to retire, and how to get it. https://www.australianretirementtrust... RECOMMENDATIONS: Australian Taxation Office - Caps, limits, and tax on super contributions https://www.ato.gov.au/individuals-an... https://www.ato.gov.au/individuals-an... Money Smart – Tax and super https://moneysmart.gov.au/how-super-w... Australian Retirement Trust – Reportable super contributions https://www.australianretirementtrust... FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ.... GET IN TOUCH: We'd love your feedback for our podcast including any topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au ------------------------------------------- CREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Steven Fehring, Australian Retirement Trust Member Education Officer Any advice given is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. Marginal tax rates in this episode include the medicare levy of 2%. Tax rates may change in the future. See ato.gov.au for more information. Contribution rules and limits may change in the future. Eligibility and conditions apply. See ato.gov.au for more information.

In this special episode we shed light on the importance of women taking control of their financial futures and superannuation. From practical tips like consolidating super funds and maximising contributions, to navigating life events such as transitioning to retirement, this episode shares details to make informed decisions about your financial future. Join the conversation as we encourage women to prioritise their financial security and inspire confidence in achieving retirement goals. Subscribe to Super Insider now and start your journey towards financial freedom.

The economic landscape will keep shifting this year according to many experts. Super Insider is here to help make sense of it all and what it may mean for you. Join us as we tap into the expertise of our Chief Economist Brian Parker, as he tackles questions like: ·      How is the economic cycle changing? ·      Will we see an end to the global supply chain disruptions? ·      What's the future for inflation and interest rates? Get set for an insightful chat about Australia's economic outlook for the year ahead. IF YOU LIKED THIS EPISODE YOU MAY LIKE: How to choose your super investment options https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8   How much super you need to retire, and how to get it https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3   RECOMMENDATIONS:   Australian Retirement Trust market update and news https://www.australianretirementtrust.com.au/investments/market-watch    FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1   GET IN TOUCH: We'd love your feedback for our podcast including any topics or questions you'd like us to cover on future episodes. Please email us at podcast@art.com.au -------------------------------------------                                                                                        CREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Brian Parker, Australian Retirement Trust Chief Economist This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

Retirement is a phase of life that many of us eagerly look forward to. It's a time to slow down, relax, and pursue our passions. But with the rising cost of living, it's essential to make sure that our retirement savings can fund the life we've been dreaming about.  In the second instalment of our new Q&A series, Australian Retirement Trust Member Education teammates April Smith and Kane Everingham answer our top 10 most asked retirement questions and provide valuable insights and tips to help you retire well with confidence. So, whether you're just starting to plan for retirement, or already in the thick of it, watch or listen now to learn how to make the most of your super and enjoy the retirement you deserve.  QUESTIONS  1:40 What age can I retire?  3.33 How much super do I need to retire?  7.23 How do I know if I'm on track?  9.33 What can I do if I'm not on track?  9.40 What are some ways I can grow my super?  10.53 What rules are there for accessing your super?  12.21 Should I fully retire or semi-retire?  14.25 How does a transition to retirement account work?  15.47 What's a transition to retirement strategy?  17.02 Is it easy to plan your retirement yourself?  18.28 (Bonus question) Where to next?  IF YOU LIKED THIS EPISODE, YOU MAY LIKE:  Five easy ways to grow your super today  How much super you need to retire – and how to get it  Transition to retirement – your guide to accessing your super while still at work  RECOMMENDATIONS:  Association of Superannuation Funds of Australia Retirement Standard via SuperGuru.com.au  Australian Retirement Trust Retirement Forecaster    FOLLOW SUPER INSIDER on Apple Podcasts and Spotify    GET IN TOUCH:  We'd love your feedback for Super Insider including topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au                                       CREDITS:  Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.  Guests: April Smith, Member Education Officer, Kane Everingham, Team Leader Member Education    This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

If you're thinking about opening a self-managed super fund (SMSF), check out this episode to learn some common SMSF misconceptions and how the product compares against regular super funds. During the episode our host, Anne Fuchs and Australian Retirement Trust National Education Manager, Joshua van Gestel discuss: ·      some of the differences between a SMSF and a regular super fund ·      potential costs and work involved with a SMSF ·      considerations of a SMSF ·      benefits of a regular super fund IF YOU LIKED THIS EPISODE, YOU MAY LIKE: How to choose your super investments Can I use my super to buy a house?   RECOMMENDATIONS: Self-managed super funds What is a self-managed super fund? Winding up an SMSF   FOLLOW SUPER INSIDER on Apple Podcasts and Spotify GET IN TOUCH: We'd love your feedback for Super Insider including topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au                                                    CREDITS: Host:   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Joshua van Gestel, Australian Retirement Trust National Education Manager   This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

We have a new addition to Super Insider: our new Q&A episodes. These quick-fire sessions answer our most frequently asked questions and share practical tips and insider knowledge to help you get the most from your super. QUESTIONS 0:01:39 How does superannuation work? 0:04:01 What are the benefits of combining my super? 0:05:36 How can I compare super funds? 0:09:22 How do I choose the right investment option? 0:11:50 When is preservation age and when can I access my super? 0:13:24 What happens to my super when I die? 0:15:27 How and how often should I be engaging with my super?   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?   RECOMMENDATIONS: MoneySmart: Choosing a super fund Nominate a beneficiary   FOLLOW SUPER INSIDER on Apple Podcasts and Spotify   GET IN TOUCH: We'd love your feedback for Super Insider including topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au                                                      CREDITS: Host:   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guests: April Smith, Member Education Officer, Kane Everingham, Team Leader Member Education   This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

A lot has happened on the global stage since our host, Anne Fuchs, and Chief Economist Brian Parker caught up in August. In this episode, Anne and Brian examine how geopolitical conflicts could affect world economies, the future of inflation and interest rates, and the importance of making informed investment decisions during market fluctuations. Stay informed with this must-listen episode.  IF YOU LIKED THIS EPISODE YOU MAY LIKE:  How to choose your super investment options  How to make your money last through retirement    FOLLOW SUPER INSIDER on Apple Podcasts and Spotify   GET IN TOUCH:  We'd love your feedback about Super Insider, including topics or questions you'd like us to cover in future episodes. Please email us at podcast@art.com.au  -------------------------------------------                                                                                          CREDITS:  Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.  Guest: Brian Parker, Australian Retirement Trust Chief Economist     This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  For Super Savings account holders, employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at australianretirementtrust.com.au/fsgfor more information.  For QSuper account holders, you can find out more about financial advice options at qsuper.qld.gov.au/advice or by calling us on 1300 360 750. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of QInvest Limited. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at qsuper.qld.gov.au/disclosure for more information.   

It's no secret that the internet has revolutionised the way we handle our finances, but it's also opened the door to scams and fraudulent activities. And when it comes to our hard-earned retirement savings, most of us can't afford to take any chances. In this episode, join our host Anne Fuchs and Australian Retirement Trust's Manager of Financial Crimes, Rebecca Mallett and Chief Technology Officer Rod Greenaway as they discuss financial scams, how to spot them and how to keep your superannuation investment and information safe. IF YOU LIKED THIS EPISODE YOU MAY LIKE: Five easy ways to grow your super today What happens to super when you die?   RECOMMENDATIONS: Learn more about keeping your super safe on our Protect yourself against fraud web page. GET IN TOUCH: We'd love your feedback for our podcast including any topics or questions you'd like us to cover on future episodes. Please email us at podcast@art.com.au. -------------------------------------------                                                                                        CREDITS: Host: Executive General Manager, Advice, Guidance and Education, Anne Fuchs Guest speakers: Australian Retirement Trust's Manager of Financial Crimes, Rebecca Mallet, and Chief Technology Officer, Rod Greenaway.   This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

Retirement is a major milestone in most people's lives. But making sure that our money lasts throughout retirement can be a worry, and sometimes even a challenge.  Don't miss Australian Retirement Trust's Senior Manager of Advice Best Practise, Luke Caruana in conversation with host Anne Fuchs as they discuss how much super is needed to retire comfortably, options for accessing your super in retirement and what you can do to help make your super last.   IF YOU LIKED THIS EPISODE YOU MAY LIKE:  How much super you need to retire – and how to get it  Transition to retirement – your guide to accessing your super while still at work  Read more about downsizer contributions: What is a downsizer contribution? GET IN TOUCH:  Feedback? We're listening. Email us at podcast@art.com.au or go to our website at art.com.au.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance. For Awards details, please see more information here: Awards. For Super Savings account holders, employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at australianretirementtrust.com.au/fsg for more information.  For QSuper account holders, you can find out more about financial advice options at qsuper.qld.gov.au/advice or by calling us on 1300 360 750. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of QInvest Limited. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at qsuper.qld.gov.au/disclosure for more information.  Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees, costs, and taxes (where applicable). For performance details, please see more information here: Investment performance. Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.  Taxes may be payable in foreign countries in respect of income derived from non-Australian investment earnings, and a penalty tax on notional earnings may apply if you have a high total balance in one or more superannuation retirement pensions. 

The economic landscape has experienced significant changes since the beginning of the year. Join Super Insider host Anne Fuchs and Australian Retirement Trust's Chief Economist, Brian Parker as they break down the latest market developments and investment conditions, interest rate changes, cost of living and what it all means for your super. Past performance is not a reliable indicator of future performance.  For Super Savings account holders, employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at australianretirementtrust.com.au/fsg for more information.  For QSuper account holders, you can find out more about financial advice options at qsuper.qld.gov.au/advice or by calling us on 1300 360 750. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of QInvest Limited. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at qsuper.qld.gov.au/disclosure for more information.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

While many people eagerly look forward to their golden years as a time to relax and enjoy life, the transition from work to retirement needs careful planning. In this episode, join Australia Retirement Trust's Member Education Officer, Patrick Dunlop, and our host, Head of Advice and Guidance, Anne Fuchs, as they explore strategies you can use to transition to retirement that allow you to work less while continuing to grow your super. For more superannuation and investment insights, subscribe to Super Insider. This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

Your super investment strategy can significantly impact your retirement outcomes. But with so many options available, how do you choose the right one? Join Australian Retirement Trust's Head of Private Corporate Assets, Elizabeth Kumaru, and Head of Advice and Guidance, Anne Fuchs, as they discuss how super is invested and what you need to consider when choosing an investment approach that suits your needs and retirement goals. Tune in to this must-listen episode to gain valuable insight and take control of your super. For more superannuation and investment insights, subscribe to Super Insider. This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

With international markets still uncertain, it's never been more important to stay informed and take control of your financial wellbeing. Join Australian Retirement Trust's Chief Economist, Brian Parker, and Head of Advice and Guidance, Anne Fuchs, as they examine the latest market developments, including interest rates, the federal budget and what it all means for your superannuation investment.  For more superannuation insights, subscribe to Super Insider. This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

You work hard for your superannuation savings, so what happens if you never get the chance to spend them? Hint: It's not the same as your other money or investments.  Join host Anne Fuchs and super educator Ruth Weaver as they explore what happens to your super when you die and what you can do today to make sure your money goes to who you want when you pass away.   For more superannuation and investment insights, subscribe to Super Insider.  This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  

With housing prices rising over the past decade, the Great Aussie Dream of owning a home can seem just that – a dream. But did you know you can use your super account to help save for your first house deposit?   In this episode, host Anne Fuchs and super educator Megan Ashenden break down how the First Home Super Saver Scheme works and the pros and cons of taking money from your super to buy your first home.   For more superannuation and investment insights, subscribe to Super Insider.  This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

2022 was a wild ride for investment markets with volatility impacting super fund returns, including Australian Retirement Trust's.   Don't miss Australian Retirement Trust's Chief Economist Brian Parker in conversation with Anne Fuchs, Head of Advice, as Brian recaps the market ups and downs of 2022 and discusses what the New Year might hold for interest rates, investment markets and your super.  For more superannuation and investment insights, subscribe to Super Insider.  This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

It's the number everyone wants to know – how much super do I need to retire?   Join Australian Retirement Trust's National Education Manager Joshua van Gestel and Head of Advice Anne Fuchs, as they crunch the numbers to reveal how much super you need for a comfortable retirement income - and what you can do today to make sure you have enough later.  For more superannuation and investment insights, subscribe to Super Insider.  This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

When it comes to super, most Australians have a “set and forget” approach. But there are simple and easy things you can do today to maximise your super contributions.   Join Australian Retirement Trust Member Education Officer, April Smith, in conversation with Head of Advice, Anne Fuchs, as she shares her top five tips for making the most of your super right now. Future you will thank you.  For more superannuation and investment insights, subscribe to Super Insider.  This podcast is brought to you by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) the trustee for Australian Retirement Trust (ABN 60 905 115 063) (the Fund).  

Investment market ups and downs are becoming the ‘new normal' and continue to impact super fund performance, including that of Australian Retirement Trust.   Don't miss Australian Retirement Trust's Chief Economist Brian Parker in conversation with Anne Fuchs, Head of Advice, as Brian discusses what's affected markets in the last quarter, how this has impacted super returns, and what it could mean for your super investment and retirement savings.  For more superannuation and investment insights, subscribe to Super Insider.  This podcast and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.