Podcasts about australian super

This week on The KOKO Show we get our Swoopy back from his impromptu golfing trips to make the group whole again as we break down a wonderful week that was in the world of rugby. The lads came together to run a fine tooth comb through the Super Rugby W Final that saw the Tahs tackle the Reds at North Sydney Oval, to make it back to back chips in 2024 and 25. Plus, we go large on round 9 of the Superb Rugby Pacific, highlighting the Brumbies big win over the Reds, the Tahs toppling the challenging Chiefs and the Crusaders taking their rightful place back on top of the Super ladder. Moreover, the boys go full business mode as they tackle all the hard hitting topics in a saucy smattering of Other Rugby News. However, the highlight of Episode 17 has to be our very special guest, all the way from the fortified walls of Edinburgh Castle with his new Whiskey in hand and donning a gorgeously snug pair of togs, it is Scotland's South African chunky chappy Mr Pierre Schoeman. We discuss everything from the state of rugby north of the wall, what it was like growing up in South Africa and now proudly playing for Scotland and finally his delicious little side business he shares with teammate and friend Duhan van der Merwe. So sit back, relax and hook up your IV drip full of Hirundine Whiskey and just let those mellow smokey notes of four flogs trying to make a rugby pod fill your gills with glee. Because it is time for episode 17 of Kick Offs and Kick Ons. TIMESTAMPS:00:00 - Start of the show02:24 - Introduce the show 05:25 - KOKO Learnings 09:57 - Other Rugby News 16:49 - Rugby Round-up - Super W Final Review 18:57 - Wallaroos chat heading into Pac-4 and RWC20:56 - Australian Super teams heading for winning records in 202521:54 - REDS V BRUMBIES 23:26 - Squeak and Gits blow up26:45 - WARATAHS V CHIEFS - BEST TRY EVER!31:09 - Gits is sleeping with mouth tape now 32:04 - Super Rugby halfway check in 35:02 - Introduce Pierre Schoeman 38:13 - Pierre and Duhan have a Whiskey company 40:05 - Pierre shows us his swimming trunks 44:02 - How did Pierre end up in Scotland 46:11 - The style of rugby in Edinburgh 48:00 - What is it like playing the Springboks BUY YOUR KOKO MERCHANDISE AND STAY TUNED FOR EVENTS - www.kickoffsandkickons.comMake sure you follow us on all socials:INSTA: @kickoffskickonsTWITTER/X: @kickoffskickonsYOUTUBE: @kickoffsandkickonsTIKTOK: @kickoffskickonsIf you do want to talk about sponsorship or anything business related then please do get in touch with us info@shtn.com.au. Hosted on Acast. See acast.com/privacy for more information.

Residents are finally able to return to flood-ravaged towns in outback Queensland, but in parts of South Australia and Victoria, pine forests are dying due to drought. 

Cyber security expert Tony Grasso on possible spying  problems with Chinese-made robot dogs and a coordinated cyberattack targeted several major Australian superannuation funds using stolen passwords.  

After a long stretch of bringing up the rear of Super Rugby, Australia seems to have found the golden ticket. All four Australian teams are sitting in the top six – Reds in second, Brumbies in fourth, Waratahs in fifth, and Force in sixth. Our Australian Correspondent Adam Peacock joins Piney to try work out what's suddenly clicked for the Aussie teams. “With the, yeah, the distribution of talent not as stretched – because let's face it, we don't have a bottomless pit over here, that's probably the overriding factor.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

It's a big weekend for Liam Lawson, who needs to impress after a disappointing start to the season with Red Bull. He's set to race in the Japanese Grand Prix's qualifier tomorrow, before racing on Sunday. Sports Contributor Jason Pine talks to Ryan Bridge about the race, Super Rugby tonight, and a reducing number of Australian teams. LISTEN ABOVE. See omnystudio.com/listener for privacy information.

Our Australian Correspondent Jim Dolan gives us the latest from the wonderful wide world of Aussie sport. On today's agenda: Dylan Walker is stepping up to the plate this weekend, post-Warriors. Interest is growing in Australian Super Rugby teams A different journey for two Aussie motorsport drivers LISTEN ABOVE See omnystudio.com/listener for privacy information.

Trump's upending of world trade happens to coincide with challenging times for Big Super: The major funds face weak share markets while battling a range of administrative failures that have put Australian Super and CBUS in the headlines for all the wrong reasons.It might be time to take control. Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth, James Kirby in this episode. -----In today's show, we cover: Tariff turmoil triggers a second look at Self Managed Super Funds The Banks are offering 7 per cent yields again The minimum you need for an SMSF Learning about education bonds See omnystudio.com/listener for privacy information.

Meet Australian super comper @SophiaSophia87 who's prizes have taken her all around the world.

The US official confirms tariffs on aluminium & steel imports, with no exemptions; Australian politicians play the blame game; business groups worry about the direction of global trade; the ASX drops even further; ASIC goes after Australian Super on death claim benefits; 10% of Australians telling lies about their salary; Japan runs out of rice; and Kyle Rodda joins us for the Market Wrap. Host: Deborah Knight Executive Producer: Tom Storey Technical Producer: Liam Achurch Publisher: Nine RadioSee omnystudio.com/listener for privacy information.

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In this episode, Simon shares an update on the show, reflecting on notable interviews and summarising the wide range of initiatives under development beyond the Money Maze Podcast itself. Although we have said this for each of the 5 years since we started, this year has been incredibly exciting, surpassing both out expectations, and 2+ million global downloads, officially releasing over 200 episodes since starting the podcast in 2020. In the last few months, we've been lucky enough to feature Scott Bessent, Trump's appointed Secretary of State, Cliff Asness of AQR, Colm Kelleher of UBS, David Schwimmer of LSEG, Mark Delaney of Australian Super, Suyi Kim of CPP Investments, Marcie Frost of CalPERS, Baroness Dambisa Moyo and many more. We've also had the privilege of hosting some of the most significant figures within geopolitics, such as former UK Prime Minister, Sir Tony Blair, and General Patrick Sanders, just retired head of the British army. Browse our channel to listen! Plus, check out our other initiatives: Money Maze Learn, Money Maze Multilingual, Money Maze Curated Podcasts, and our YouTube channel for full video interviews. We also offer a select number of internships, mostly over the summer.  Otherwise, we wish our listeners and viewers an enjoyable festive break! ​​The Money Maze Podcast is kindly sponsored by Schroders, IFM Investors, World Gold Council and LSEG. Sign up to our Newsletter | Follow us on LinkedIn |  Watch on YouTube

Taupō International Motorsport Park hosted racing this year after New Zealand dropped off the schedule for a season. Sports reporter Felicity Reid spoke to Lisa Owen. 

Join Matt and Nick as they discuss Bitcoin at fresh all-time highs, Electric Capital's annual developer report and AMP buying Bitcoin. They also discuss various altcoin updates from NEAR Protocol (NEAR), Avalanche (AVAX) and others.Key Takeaways Bitcoin (BTC) hit an all-time high, partially due to continued buying from MicroStrategy, which officially entered the heavily traded Nasdaq 100 index.AMP invested $27M AUD worth of BTC, making it the first major superannuation fund to buy into an asset class that has previously been shunned by big fund managers.Electric Capital's annual developer report showed strong growth in Solana's developer ecosystem, while the number of developers fell by 7% compared to a year ago.The past week featured various altcoins updates, including projects such as Ethena (ENA), Jupiter (JUP), Ethena (ENA) and Avalanche (AVAX).Timestamps:00:00 Intro & market update03:15 ETH ETFs show sign of life04:35 Bitcoin treasury votes and strategic reserves06:00 2024 Electric Capital Developer Report11:25 Should crypto be concerned over quantum computing breakthroughs16:30 MicroStrategy enters Nasdaq 10018:45 AMP becomes first Aussie super fund to invest in crypto21:20 Trump-associated World Liberty Financial buys ETH tokens24:00 Altcoin news (Pump.Fun, Near, Jupiter, Avalanche, Ethena)31:40 What to look forward to this week32:50 Over & under-appreciated

Jim Chalmers delivers a statement on the economy to the Parliament; calls for a rethink on Australian productivity, including worker training; wages jump over $100b a month; Amcor to take over US packaging company; Black Friday sales getting bigger & bolder; Australian Super to repay $4.2 million; and Carl Capolingua joins us for the Market Wrap.   Host: Deborah Knight Executive Producer: Tom Storey Technical Producer: Liam Achurch Publisher: Nine Radio  See omnystudio.com/listener for privacy information.

In this episode of the Dakota Fundraising News Podcast, Pat and Konch delve into the Global Family Office 2024 Survey, revealing key trends in investment strategies, including the growing interest in AI, fixed income, and private equity. We also cover significant job changes, like Moneta Group's new M&A Director Peter Brown and Andrew Osborne joining Australian Super. In the RIA/FA M&A segment, we spotlight True North Advisors' acquisition of Clear Rock Advisors and Rockefeller's newest Advisor.. Plus, we discuss institutional searches and recent fund commitments from major pension plans like the Washington State Investment Board. Stay tuned for the latest industry insights!

Liberal Senator Andrew Bragg joined 2GB Drive.  See omnystudio.com/listener for privacy information.

Financial news through the lens of Stewart Group's expert Financial Advisers.

While there is much debate about whether the Pavlova belongs to Australia or New Zealand, we want you to remember that your Australian Super is yours alone! And if your Aussie Super is still back in Australia, you've got Paula to the rescue!Paula, our client service officer, joins Ken in the studio for the first time (whoot-whoot) to discuss Aussie Super and why we Kiwis shouldn't leave behind our hard-earned money. The Adviser talk is also available on Spotify and Apple Podcast. Paula Enticott is a Client Service Officer at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this article, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

Mark Watson and Justin Marshall are joined by former Wallaby Rod Kafer on the progress of Australian Super Rugby teams and development in Australian rugby. Learn more about your ad choices. Visit megaphone.fm/adchoices

We often talk about institutional investors as the allocators of capital to the public and private markets.  They are huge, active participants driving supply and demand dynamics in the fixed income and equity markets, and they often make sizable investments as LPs in private equity and private credit funds.  But what exactly are they trying to accomplish, and why?We sat down with John Normand --- the former head of Cross-Asset Strategy at JP Morgan and the current head of Investment Strategy at Australian Super --- to discuss investment strategy at a superannuation fund (what we in the US think of as a "pension fund").  John is one of our most accomplished and distinguished guests to date.   Not only does he explain the mechanics of defined benefit / defined contribution plans, but he also shares his philosophical perspective on the ethics of investing, his current views on the macro environment, and a crash course in one of the staples of fixed income markets: the Yen carry trade.  This episode is a must listen for anyone who wants to understand how some of the biggest allocators of capital in both the public and private markets approach investment strategy.The Funds4Teachers event is happening the dates below:Locations/DatesAtlanta - Apr 25Boston - June 6Chicago - June 18New York - Sep 26To learn more about how to support this initiative and register click here: https://iconnections.io/funds4teachers/Follow us on Instagram and Tik Tok at @thewallstreetskinnyhttps://www.instagram.com/thewallstreetskinny/

Mark Watson and Justin Marshall chat to Australian sports presenter Nick McArdle to talk about Australian Super Rugby teams. Learn more about your ad choices. Visit megaphone.fm/adchoices

– The ‘hawkish' RBA  – Super for housing… again?  – Australian Super goes active  – What you can learn by running a business See omnystudio.com/listener for privacy information.

Wall St was closed overnight due to the Thanksgiving day holiday. Over in Europe, markets closed in the green with the STOXX600 ending the day 0.3% higher, led by oil and gas stocks rising 1.4%. Germany's DAX closed 0.23% higher, the French CAC ended the trading day up 0.24% and over in the UK the FTSE100 closed Thursday's session 0.19% in the green.The ASX extended its losing streak into Thursday's session closing the day down 0.62%, taking no lead from Wall Street's rally on Wednesday, as the materials and energy sectors weighed on the key index due to the sliding price of oil and iron ore. Oil's decline was on the back of OPEC+ delaying its upcoming meeting where it was set to discuss further output cuts to stabilise the price of oil, which naturally caused a sell-off in oil producing stocks yesterday including Woodside and Santos.Origin Energy emerged from a trading halt yesterday to rally 1.2% after the company said it would extend its shareholders vote on the takeover offer to next month instead of today, following the investment group led by Brookfield announcing a revised takeover offer. The revised offer follows Australian Super which is a majority shareholder in Origin at 17.5%, saying it would vote no to the Brookfield led original offer on the grounds of value. The new offer is for a plan B option if majority of Origin's shareholders do not vote in favour of the original offer of $9.43/share. The plan B offer is effectively a lower offer that the investment group will ‘come in and control the company' for a lower price under an Alternative Transaction offer where shareholders will receive a cash consideration of up to $9.08 per share including dividends. It is a very interesting time for Origin Energy shareholders and the company's takeover fate will be revealed on December 4th when the Scheme Meeting has been postponed to.Looking at economic data, Australia's manufacturing PMI index decreased in November to 47.7 points from 48.2 points in October in a sign of the economic slowdown and confirming that the Australian economy is experiencing a soft landing as a result of interest rate rises to date.What to watch locally today:The Australian share market is set to open higher, with the SPI futures suggesting a rise of 0.2% at the open this morning.On the commodity front this morning, Oil is trading down 1.09% to US$76.26/barrel after signs of strong supply from non-OPEC countries, which has been weighing down oil prices.Gold is trading 0.15% higher to US$1992.62/ounce and iron ore is down 1.09% to US$136/tonne.Trading Ideas:Bell Potter maintains a buy rating on Propel Funeral Partners (ASX:PFP) with a 12-month price target of $5.70. The buy rating is maintained as it is expected that organic volume growth will return in the 2nd quarter of 2024 and mid-long term growth to be further supported by ageing baby boomers as the older cohorts reach average life expectancy.And Trading Central has identified a bearish signal on Pengana Private Equity (ASX:PCG) , indicating that the stock price may fall from the close of $1.58 to the range of $1.23-$1.25 on a pattern formed over 8 days, according to the standard principles of technical analysis. 

In this week's Talking Wealth Podcast, Janine discusses the Origin Energy takeover by Brookfield Asset Management and Australian Super's decision to block the offer. Is Brookfield's takeover of Origin Energy good for shareholders, does it properly value this type of company, and should we allow takeovers like this to proceed?

In this week's Talking Wealth Podcast, Janine discusses the Origin Energy takeover by Brookfield Asset Management and Australian Super's decision to block the offer. Is Brookfield's takeover of Origin Energy good for shareholders, does it properly value this type of company, and should we allow takeovers like this to proceed?

Evan Lucas joins the 6PR Breakfast Program every weekday at 6.35am with "The Finance Report." Today he spoke about: WA housing and rental prices lead the country once again - can anything be down to fix the housing crisis in this state? (Corelogic data for October was out today) Why is Australian Super blocking the Origin Energy deal? See omnystudio.com/listener for privacy information.

Join Alex, ‘In The Stands'. It's all Sports action – local and international! In this episode Alex interviews former Australian Super middleweight and new WBA Oceania Super Welterweight Boxing Champion, Mason Smith

The largest private forest management company in Tasmania has new owners, including an Australian Super fund.

 In this week's episode, Jo and Jade talk about- The Governments new housing fund-  Jo talks about where she was last week- Australian Super are in the Naughty Corner- The Table of Knowledge is all about getting paidLinksWhere will these new homes be built?ASIC sues Australian SuperWhat to do when you haven't been paidASBFEO Check out our website: www.accidentalbookkeeper.com.auAlso check our TikTok and YouTube  Until next week,  Jo & Jade - Co-Hosts Joel - Producer 

Matt Harrington is the CFO of Australian Super and has a fantastic career history having worked for organisations such as Royal and Sun Alliance, GE Capital, ANZ, Tabcorp, IAG and Arthur Anderson. He's worked in London, Sydney, New York, Melbourne and Copenhagen and shares some fascinating insights into working in different social cultures. We talk about: Understanding of difference social cultures and workdays Making your own luck Taking experiences offered Networking and learning from others Taking people on the transformation journey Efficiencies from change Management's influence over change. --------- Find out more about Colin ⁠www.colindellis.com⁠ --------- Incidental show music courtesy of ⁠Purple Planet⁠ ---------⁠⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/culturemakers/message

Sports Reporter for The Age Carla Jaeger joins the show to talk about the financial woes of the Australian Super Netball league, how it got to this point, what must happen next, future of the competition, trans-Tasman netty & more Learn more about your ad choices. Visit megaphone.fm/adchoices

Sports Reporter for The Age Carla Jaeger joins the show to talk about the financial woes of the Australian Super Netball league, how it got to this point, what must happen next, future of the competition, trans-Tasman netty & more Learn more about your ad choices. Visit megaphone.fm/adchoices

In this very special and rare episode, we're joined by Amy Waite and Sheetal Cicutto, the private equity managers for two of Australia's premier superannuation funds in Telstra Super and Australian Super respectively, to discuss how super funds are powering your retirement growth through venture capital and driving innovation for the world.Please note: This podcast is general in nature and any general advice has been prepared without taking into account your objectives, financial situation or needs.  Before making a decision in relation to any Telstra Super or AustralianSuper product, please assess your own financial situation and needs and consider the relevant Product Disclosure Statement and Target Market Determination available on their respective websites, www.telstrasuper.com.au and www.australiansuper.com.  Past performance is not a reliable indicator of future returns. It's now time to explore your curiosity. Please enjoy!(Timestamps below)***Follow us on Instagram, LinkedIn or TwitterContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ***

The Albanese Government's changes are in the rear view mirror for now, but what will they mean in the long run? This conversation comes from the Aussie Firebug Podcast - and one which took place a week or so after the changes made to Aussie Super.  A relevant conversation, that hopefully offers an insight into how your super may not be changing now, but could be in the future.  Get involved on Twitter - https://twitter.com/TMFScottP?t=tfmo5gXF037RkZzcFE5C1A&s=09See omnystudio.com/listener for privacy information.

A change to Australian Super was announced by the Albanese government - it's small, but does it have larger implications? Unpack the challenges of super and how these changes will affect Australians - even if it is just 0.5% of them.  Follow along on Twitter: https://twitter.com/TMFScottP?t=x3G5fG_8NmvWv5KIqbSsGQ&s=09See omnystudio.com/listener for privacy information.

Welcome to the coaching knife when we cut to the root of the matter. In this episode, we speak to Tom Carter, Head of Athletic Performance Australian Women's 7s. Focusing on high-performance coaching, we are going to cut to the root on why high-performance coaching is different to normal coaching. Tom is a former professional rugby and captained the Australian Super rugby team, the Waratahs. He has worked as a high-performance coach across numerous sports, including cricket and rugby.His philosophy is physical performance utilises a comprehensive understanding of sports science, psychology of behavioural change and elite sports performance, yet recognises that more is necessary for supreme athletic excellence. Essentially, underpinning all the above is the human element, about forming a life-long relationship with an athlete, a genuine relationship based on the exact needs of an individual athlete and what it takes to help them excel to the best of their athletic and human capacity. You can contact him on LinkedIn at Human Performance @humanperformancetc or tom.carter@rugby.com.au

Today's episode explores this year's International Women's Day theme, “Cracking the code: innovation for a gender-equal future”.  Offering her thoughts on how women can #crackthecode to success at work is special guest Georgie Williams, board president of UN Women Australia.  Listen now.  Host: Jackie Blondell, CPA Australia Editor Guest: Georgie Williams, a professional director who serves on several boards. She has over 25 years' experience in banking and superannuation including roles as Group Executive Engagement, Advocacy and Brand at Australian Super, and Head of Brand and Marketing at the Bank of Melbourne. She has also held executive positions at NAB in Australia and the UK, including roles in the commercial banking, wealth, strategy and marketing departments. CPA Australia publishes three podcasts, providing commentary and thought leadership across business, finance, and accounting:  With Interest INTHEBLACK Excel Tips Search for them in your podcast service provider.   You can email the podcast team at podcasts@cpaaustralia.com.au  International Women's Day (IWD) is a global day celebrating the social, economic, cultural and political achievements of women. And head online for more information on UN Women Australia

Weekly update from the CFMEU Construction & General (Vic/Tas). While Gorilla is lying on the beach sucking p*ss Campo has wheeled in the big guns with Chiristie Cain, National Secretary, here to spread the word about what is happening to Liverpool Wharf workers who are fighting for a liveable wage but threatened with the sack while Australian Super, a major shareholder, needs a shove to go into bat for these workers. Why? Because the ACTU is a major shareholder of Australian Super. Listen up.

Sam & I talk all things Australian Super Enduro Championship for 2023.You can check out my Race Ready training options at www.racereadyoffroadcoaching.comUse code READY25 for a 25% discount on month 1 of the Race Ready Live group program. Hosted on Acast. See acast.com/privacy for more information.

Australian Super investors saw a negative return for the first financial year since the GFC, but the industry is still performing strong after 30 years of compulsory super.See omnystudio.com/listener for privacy information.

Australia's industry super funds have become one of the country's biggest and most powerful forces in determining investment decisions and the shape and nature of our economy.How are industry super funds using their market power? What shapes their decision making about how and where they invest workers' retirement savings?Sam Trobe is head of Corporate and External Affairs at one of Australia's biggest industry funds, Australian Super.He's our guest on this week's podcast. _____________________________________________________________ * You can now email us with your comments, story ideas, tip-offs, flip offs, and questions - otjpodcast@protonmail.com *On the Job is made by Australian Unions. More about On The Job podcast   Need help with working conditions? Call Australian Union Support Centre - 1300 486 466   About the hosts Sally Rugg - @sallyrugg Francis Leach, ACTU - @SaintFranklySupport the show: https://www.onthejobpodcast.com.au/See omnystudio.com/listener for privacy information.

Good morning and happy Monday! This week we are joined by Georgia Coutts, an Investment Analyst at Australian Super in the Infrastructure team. We hear insights into the day to day life working as an investment analyst, what the role entails and her experience so far. Georgia discusses the purposeful and long-term nature of working at a super fund, where you are investing the retirement savings of the population, as opposed to a traditional asset management firm. She touches on Australian Super's structure and collaborative nature. Finally we chat about the Infrastructure investment space in Australia, and hear about one of the interesting transactions Georgia has worked on. Guest Recommendation: You're in Good Company - Podcast Show your support for BoW Talks by subscribing on Apple Podcasts or following on Spotify. Alternatively you can leave a review on Apple Podcasts. Looking to join Banking on Women? Connect with us on Instagram, LinkedIn or visit our website. Looking to collaborate on a BoW Talks episode? Say hi at podcast.director@bankingonwomen.org.au

Mark Stafford Interview

Midday Madness! Talking the hot topic of the day and taking your opinions on it! Today on Midday Madness Staffy asks "Have the Australian Super Rugby sides finally caught up?" and how will this translate into international / Bledisloe matches? Join the conversation every day on Afternoons with Staffy.

We're going back Across the Ditch to chat to SEN Sydney Mornings host Matty White. Staffy and Matty discuss Australian Super Rugby sides. Have they finally caught up with the Kiwi sides, and how will this translate into a Bledisloe Cup match? They also chat about the Warriors win against the Raiders and Shaun Johnson's drop goal.

The Warratahs have had a huge win over the 12 time Super Rugby champions the Crusaders. Former Utility for the Warratahs Drew Mitchell joins Staffy to chat about this monumental win, and the state of the Australian Super Rugby Sides.

Andrew Saville and Guy Heveldt joined Mike Hosking to talk Dame Lisa Carrington vs Aimee Fisher, Australia's Super Rugby fight back, the Warrior's second golden point this season, Silver Lake, Shane van Gisbergen shaking off his Perth bogey, and Ronnie O'Sullivan vs Judd Trump in the World Snooker Championship.LISTEN ABOVESee omnystudio.com/listener for privacy information.

Justin Marshall feels we should be giving the Australian Super Rugby Pacific sides.

Here's what you need to know about Australia's Retirement System: It's really big.  It's government mandated.  It's privately run.  It's really sophisticated. Still curious?  Host Josh Cohen's two guests have played meaningful roles in the system's development from the highest levels of government and industry.  The Honorable Nick Sherry started one of the first modern Superannuation Funds in Australia and then went to be the leading minister in the government overseeing the industry.  Ian Silk ran the largest Super Fund called Australian Super.  There's a lot we can learn from their experiences. Key Takeaways: [:19] Josh Cohen, your host, introduces today's topic: Australia and their compulsory retirement system with very sophisticated investments that cause admiration worldwide. [2:30] Josh is accompanied by two experts to dive deep into the origin and evolution of the Australian retirement system.   [2:55] Nick Sherry joins the conversation. He is a former Australian politician who served as a member of the Australian Senate for the state of Tasmania from 1990 until 2012, Sherry was sworn in as the Assistant Treasurer in 2009, after serving as the first Australian Minister for Superannuation and Corporate Law.   [4:39] Nick shares how he accidentally got involved in the retirement space.   [5:45] Nick explains how Australia began to shape a new retirement policy.   [6:40] Josh describes how the industrial awards system work along with the social wage.   [7:56] Nick shares the development of the House Plus Fund.   [9:10] Nick explains the administrative hassles they had to overcome in the late 80s'.   [10:09] Nick becomes in charge of an additional pension reform when he just assumed the role as a Senate for the state of Tasmania.   [12:32] Nick talks about initiating the Cooper review.   [13:25] What happens at retirement?    [14:01] Nick speaks about his life now that he is retired but still very active!   [14:38] Josh explains what fund mergers are about.   [15: 23] Ian Silk, Chief Executive at AustralianSuper, joins the conversation by providing answers about how Fund mergers work in Australia.   [16:47] Ian talks about his vast experience in the field of funds.   [17:18] Ian dives deep into the five sectors the retirement providers fall into.   [18:30] Ian describes two reasons why the owners have decided not to run their own plans. [20:05] Compulsion arrived to change how things were doing in regards to retirement.   [20:34] An important feature of the Australian retirement system: An employer can run his/her own plan or pick a super plan as the default for his/her workers. There is always a default investment option if the employer doesn't make an election.   [21:28] Josh talks about Industry funds that arise in the late 1980s and Ian expands on the topic.   [23:39] Josh introduces the fourth sector: The retail sector.   [25:32] Ian explains how people took their funds from retail to industry.   [25:43] The fifth sector is called the Self Managed Super, where people decide to run their own Super. Ian describes the one big driver of its popularity.   [26:58]  Ian explains how Australian Super originated and how it scaled.   [28:49] The area of investing innovation is the one that is admired by many in Australian Super. Ian describes this particular feature of the Australian Super.   [30:02] Ian shares what improvements could be done to an already sophisticated Australian retirement system.   [31:03] Ian talks about the secret to the success of the Australian retirement system.   [32:11] Ian shares the proudest moment of his career, realizing that low to middle-income workers in Australia have something significant to look forward to in retirement that wasn't the case 30 to 40 years ago.   [33:23] Josh shares his key takeaways from the amazing conversations with Nick Sherry and Ian Silk.   [34:55] Stayed tuned for the next episode: The UK edition.   Thank you for tuning in. If you liked what you heard, please subscribe and leave us a review wherever you listen to your podcasts. Links: The Accidental Plan Sponsor Mentioned in this episode: More about Nick Sherry More about Ian Silk

Peter Meares joined The Bunnings Trade Rugby Run for an in depth chat about the state of Australian Super Rugby. Learn more about your ad choices. Visit megaphone.fm/adchoices

Peter Meares joined The Bunnings Trade Rugby Run for an in depth chat about the state of Australian Super Rugby.

This is a bit of different episode we just know you are going to love. On the 26 February, Australian Super Yacht held its annual soiree. An amazing event where 10 super yachts docked at Jones Bay Wharf to host an evening of lux and laughter.   We spent the afternoon checking out the features of the yachts before attending the Soiree with 250 guests. In this episode you'll hear from interviews and the stuff that goes on behind the scenes.  1. First interview is with Pheobe from Quantam 2. Second Interview is with Georgie from Rascal Ahoy Club 3. Third, Oliver Musson from Musson Jewellery who were showing casing their range from inside The Star Super Yacht. 4. Last interview is with Sophie from Sea Rays a new accomodation venture for Raes on Wategos in Byron Bay. You are also invited to my event on the 7th May 2022. We are cruising the harbour on a 90ft yacht, and will have Savannah from Savannah Estate for a wine testing.  You can get your tickets from www.theboatprincess.com

We talk a lot about Super on the pod. What we haven't done a good job of so far is explaining what the hell it actually is!That's where Peter Treseder comes in. He's an educator with one of our biggest industry funds, Australian Super. Peter is here to give us all a crash course in what Super is and why it makes good sense to get yours sorted. _____________________________________________________________ * You can now email us with your comments, story ideas, tip-offs, flip offs, and questions - otjpodcast@protonmail.com *On the Job is made by Australian Unions. More about On The Job podcast Need help with working conditions? Call Australian Union Support Centre - 1300 486 466 About the hosts Sally Rugg - @sallyrugg Francis Leach, ACTU - @SaintFranklySupport the show: https://www.onthejobpodcast.com.au/See omnystudio.com/listener for privacy information.

Contact info: Oliver Palmer Experimentation Practitioner Conversion Rate Optimisation Consultant https://www.oliverpalmer.com https://www.linkedin.com/in/ollee https://www.twitter@ollee Bio: Oliver Palmer helps companies build or scale their optimisation programs and embed the discipline of data-driven experimentation. A Conversion Rate Optimisation Consultant that focuses on helping companies build or scale their optimisation programs and embed the discipline of data-driven experimentation. He's an expert in UX and A/B testing whose clients include T-Mobile, Kmart Australia, Nissan and Australian Super. Learn more about your ad choices. Visit megaphone.fm/adchoices

Unfortunately, you're stuck with Liam solo in the first (or bonus preview episode). For an hour and a half, Liam expresses his opinion on the idea that Rugby Australia might scrap Giteau Law. You'll get your first taste of conspiracy Liam. He also breaks down each Australian Super Rugby franchise's best starting 15 plus a pre-season wallabies 15. All of the on this installment of the Give Em Liam Podcast.

Super is important and it's your money - so listen up!This episode of The Australian Finance Podcast is part of our starter pack series, where we share money stuff that changes your life!In this episode Kate & Owen will tell you why you need to give a damn about your super, the simplest ways to compare super funds, how to check your insurance and ways to add extra.If you follow the ideas in this episode, we think it could be the most important 30 minutes of your financial life.Episode transcript now available via the show notes page.Take one of our amazing FREE financial education courses (think ETFs, shares, property and FIRE) on Rask Education and join our wonderful FB community.Score $100 off our premium ASX & US share research service, Rask Invest!If you want to thank us for putting this show together, please give The Australian Finance Podcast a 5 star review on Apple Podcasts or Spotify - it's a 5 second task which really helps support the show (and puts a big smile on our faces).Full individual disclosures for each guest are available via the show notes page. Owen, Kate and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc.|| We're proudly supported by ETF Securities ||Learn more about ETF Securities: https://bit.ly/fundsETFS |DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsgDate recorded: 7th Feb 2022

In this episode of Nucleus Wealth Empower, Nucleus Wealth's Head of Operations Shelley George is joined by our Senior Financial Advisor Sam Kerr to shed light on how you can use Superannuation to help you in purchasing your first home.Empowering you to develop money and investing as tools for living your fullest life.To listen in podcast form click here: https://nucleuswealth.com/podcasts/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastGet an obligation-free portfolio recommendation to see how we would invest for you: https://portal.nucleuswealth.com/register/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastLearn more about the hosts: https://nucleuswealth.com/people/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastFind us on social media:https://www.facebook.com/NucleusWealth/https://twitter.com/NucleusWealthhttps://linkedin.com/company/nucleuswealthNucleus Wealth is an Australian Investment and Wealth Manager providing premium wealth services to all Australians. We're here to help you achieve financial peace of mind. To find out more head to https://nucleuswealth.com/?utm_source=youtube&utm_medium=direct&utm_campaign=podcast. The information on this podcast contains general information and does not take into account your personal objectives, financial situation or needs. Past performance is not an indication of future performance. Damien Klassen and Tim Fuller are an authorised representative of Nucleus Wealth Management. Nucleus Wealth is a business name of Nucleus Wealth Management Pty Ltd (ABN 54 614 386 266 ) and is a Corporate Authorised Representative of Nucleus Advice Pty Ltd - AFSL 515796#superannuation #firsthome #ausproperty

Arundhati Banerjee, a South Australian who has won the title of Miss Teen Diamond Australia 2019 recently awarded in April 2021, as a Lifetime Ambassador- Miss and Mr Diamond International and Australia for her relentless service to community, art, slow fashion, modelling and pageantry. Arundhati is also referred to as Ari and is a South Australian Woman of the Year- Emerging Leader 2020 conferred by the South Australian Government on Australia Day. She is the brand ambassador of multi-award-winning boutique firm Bridal Fusion Mascia that resonates with her values of inclusion, diversity, and body positivity. She has built awareness about sustainability through clothing, slow fashion by associating through South Australian brand NoRuYeLo which means say No to Rubbish Yes to Love meaning clothing that is eco-friendly. She has been covered by the leading daily of Australia -Advertiser, magazines such as Girlfriend Magazine, cover page model for Lifestyle, Hitech Moda and featured in Star Central Magazine to name a few for her contribution towards sustainability, diversity, and inclusivity. She has won several awards nationally and internationally such as the Fashion Icon Award by Australian Golden Sash Awards and the International Woman of the Year 2019 and 2021 by Elite Club (UK) to name a few. She has also walked the ramp for Lorna Jane at BU Fashion and raised funds for victims of Domestic Violence. She has been associated with CanTeen, Cancer Council, Foodbank. She has volunteered with Rotary Club's program Cold Plunge to raise funds for the Homeless. Apart from being a model activist, humanitarian she is also a performing artist and has been trained in both Indian classical and western forms of dance. She has raised funds to a tune of AUD $3800 through her maiden production Dancing Sutra in Fringe Festival which she contributed to not-for-profit organisation e.motion21. She has won several dance competitions and received the title of Pure artistry and was invited for a performance at Hollywood Studios. She won the silver medal for Australia at the World Championship for Performing Arts which was held virtually by the United States of America due to Covid. The judges, the audience were absolutely spellbound by her performance creating a unique niche of Indian dance form with western music. She was bestowed with the Multicultural award by International Film & Entertainment Festival Australia at the New South Wales Parliament for her contribution to promoting art and multiculturalism. Recently she was awarded the Highflyer Achiever- NRI for her contribution to arts. She has embarked on a new journey where she has been selected and is among the top 30 contestants selected by Australian Supermodel of the Year with her focus specifically on diversity, sustainability, and inclusivity. Are you looking out for physical health, leadership skills, mindset health and image branding strengthening tools to be the best version of yourself? Subscribe to weekly free powerful updates of an online magazine Womenlines for free. Buy some interesting products for women from the Best Sellers page of Womenlines!

Over half a million Kiwis are living in Australia with a potential taxation nightmare the moment they return home. In this episode we explore buzz words like capital gains tax, non-resident withholding tax and financial arrangements. Answering the big questions: Are you better off transferring your Australian Super to KiwiSaver? Can a New Zealand resident buy property in Australia? What are the tax implications of owning property in Australia? So, many questions so little time. Who will win?

In today's episode of The Australian Finance Podcast, Kate and Owen deep dive into the abundance of investment choices you have nowadays when it comes to your Super, how they work and why you might consider them.To do this, we're going to look into your typical Balanced style fund, asset based portfolios (e.g. Aussie shares only), ethical choices and the DIY options available to you.You actually have a choice when it comes to your Super, and most large Super funds provide a range of different portfolios to choose from. No one size fits all - but hopefully this breakdown helps you ask better questions and find the right information. Keep in mind that there's often more choice in the larger industry Super funds, so if you're currently with a smaller Super provider, they may not offer all these options.We also want to alert you that the government has launched a new Super comparison tool within your MyGov account called MySuper. Easy way to get comparing today!Episode transcript now available via the show notes page.Take our free financial education courses on Rask Education and join our FB community.Score $100 off our premium ASX & US share research service, Rask Invest!Full individual disclosures for each guest are available via the show notes page. Owen, Kate and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc.|| We're proudly supported by ETF Securities ||Learn more about ETF Securities: https://bit.ly/fundsETFS |DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.

In this episode we're going to do something a little different, and it's going to require your help. Today we're going to take you through a Product Disclosure Statement (PDS) for a Super fund, and we're hoping you play along by opening up a copy of your own Super funds PDS too! WATCH THE VIDEO VERSION HERE: https://youtu.be/4nW0TTMHJfs We'll point out some of the key sections you'll want to have a read of, what some of the jargon means and how to more confidently understand the fund you're invested in. Essentially, it's the document you want to ask for and read through (I'll be the first to admit they're pretty dry) — before investing in any financial product! I know, I know, this doesn't sound like something very fun to do with 30 minutes of your day, but if you put in the work now to ensure you're in the most suitable product for you, you'll be cruising all the way to the beach in retirement. We'll be using a few different PDS's from large Aussie Super funds to illustrate what we're saying as we work our way through this episode. Episode transcript now available via the show notes page. Take our free financial education courses on Rask Education and join our FB community. Score $100 off our premium ASX & US share research service, Rask Invest! Full individual disclosures for each guest are available via the show notes page. Owen, Kate and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. || We're proudly supported by ETF Securities || Learn more about ETF Securities: https://bit.ly/fundsETFS DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.

In this episode we're going to do something a little different, and it's going to require your help. Today we're going to take you through a Product Disclosure Statement (PDS) for a Super fund, and we're hoping you play along by opening up a copy of your own Super funds PDS too!WATCH THE VIDEO VERSION HERE: https://youtu.be/4nW0TTMHJfsWe'll point out some of the key sections you'll want to have a read of, what some of the jargon means and how to more confidently understand the fund you're invested in. Essentially, it's the document you want to ask for and read through (I'll be the first to admit they're pretty dry) — before investing in any financial product!I know, I know, this doesn't sound like something very fun to do with 30 minutes of your day, but if you put in the work now to ensure you're in the most suitable product for you, you'll be cruising all the way to the beach in retirement.We'll be using a few different PDS's from large Aussie Super funds to illustrate what we're saying as we work our way through this episode.Episode transcript now available via the show notes page.Take our free financial education courses on Rask Education and join our FB community.Score $100 off our premium ASX & US share research service, Rask Invest!Full individual disclosures for each guest are available via the show notes page. Owen, Kate and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc.|| We're proudly supported by ETF Securities ||Learn more about ETF Securities: https://bit.ly/fundsETFS DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.

with Brooke Corte  See omnystudio.com/listener for privacy information.

Three major investor groups, representing firms like AMP Capital and Australian Super are calling for big companies to be forced to disclose how they plan to address financial risks from climate change. In a new report, they're calling for financial regulators to introduce new standards for climate reporting, saying voluntary disclosure of climate-related risks is failing to provide investors with confidence.

In this episode of Virtually Live, Shannon Rivkin covers OZ Mineral Limited (OZL), ASX Limited (ASX), Sundance Resources Limited (SDL), JB HI-FI Limited (JBH), Australian Super, Washington H Soul Pattinson & Company Limited (SOL) and Milton Corporation Limited (MLT).

Kiwi access to inactive Super account transfers

In the inaugural episode of our Nucleus Wealth Empower podcast, Nucleus Wealth’s Head of Operations Shelley George is joined by our Head of Advice Tim Fuller to talk about all things Superannuation Empowering you to develop money and investing as tools for living your fullest life.To listen in podcast form click here: https://nucleuswealth.com/podcasts/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastGet an obligation-free portfolio recommendation to see how we would invest for you: https://portal.nucleuswealth.com/register/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastLearn more about the hosts: https://nucleuswealth.com/people/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastFind us on social media: https://www.facebook.com/NucleusWealth/​ https://twitter.com/NucleusWealth​ https://linkedin.com/company/nucleusw...​ Nucleus Wealth is an Australian Investment & Superannuation fund that can help you reach your financial goals through transparent, low cost, ethically tailored portfolios. To find out more head to https://nucleuswealth.com/The information on this podcast contains general information and does not take into account your personal objectives, financial situation or needs. Past performance is not an indication of future performance. Damien Klassen and Tim Fuller are an authorised representative of Nucleus Wealth Management. Nucleus Wealth is a business name of Nucleus Wealth Management Pty Ltd (ABN 54 614 386 266 ) and is a Corporate Authorised Representative of Nucleus Advice Pty Ltd - AFSL 515796

-- Macro signs are pointing up... -- Iron ore hits $150 / tonne and Fortescue shares hit an all-time high. --- … and gold falls -- Australian Super wants to buy Infratil… for $5b -- Food delivery mob DoorDash lists… for $78b -- And AirBnB about to follow (for $40b).. -- And we dip into the Fool mailbag! See omnystudio.com/listener for privacy information.

The use of private debt is higher in Europe than in other regions of the world but what does this mean for Australian Super fund investors? In this week’s episode Patrick Marshall, Head of Private Debt and CLOs at Federated Hermes, shares his insights on the rewards and risks Australian Institutional investors should be alert to when thinking about investing in European Private Debt. He answers key questions such as why is loan origination so critical? And why is experience in restructuring so important? He also provides his thoughts on how private debt fared in the face of the Covid-19 crisis. Guest Patrick Marshall, Head of Private Debt and CLOs at Federated Hermes Host Mel Birks, Head of Advocacy, AIST

Will Australian super funds all become index trackers? Priming is smashing covenant-light loans.

Will Australian super funds all become index trackers? Priming is smashing covenant-light loans.

Our attention turns this week to what is most Australian’s second biggest asset, Superannuation. Super means a lot things to every Australian. For some it’s a tax efficient long term savings vehicle that if managed well can provide security and reassurance that retirement will be comfortable and reliable. For others it is an annoying, mandated deduction of their hard earned wages, robbing them of current opportunities and lifestyle.You can find Cameron's referenced work here: https://www.fresheconomicthinking.com/p/scrap-superannuation.htmlView the presentation slides here: https://nucleuswealth.com/wp-content/uploads/2020/10/Super-distorting-investment-markets.pdfToday we discuss its merits and room for improvement, as well as the distortions it creates in investment markets as a result of constant inflows of funds into them.In today’s investment webinar Nucleus Wealth’s Head of Investments Damien Klassen, Chief Economist Leith Van Onselen, Head of Advice Tim Fuller, Head of Operations Shelley George and Dr Cameron Murray cover off on if Superannuation is distorting investment marketsYou can find Cameron's work here: https://www.fresheconomicthinking.com/p/scrap-superannuation.html & https://twitter.com/DrCameronMurrayTo listen in podcast form click here: https://nucleuswealth.com/podcasts/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastGet an obligation-free portfolio recommendation to see how we would invest for you: https://portal.nucleuswealth.com/register/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastLearn more about the hosts: https://nucleuswealth.com/people/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastFind us on social media:https://www.facebook.com/NucleusWealth/https://twitter.com/NucleusWealthhttps://linkedin.com/company/nucleuswealthNucleus Wealth is an Australian Investment & Superannuation fund that can help you reach your financial goals through transparent, low cost, ethically tailored portfolios. To find out more head to https://nucleuswealth.com/?utm_source=youtube&utm_medium=direct&utm_campaign=podcast.The information on this podcast contains general information and does not take into account your personal objectives, financial situation or needs. Past performance is not an indication of future performance. Damien Klassen and Tim Fuller are an authorised representative of Nucleus Wealth Management. Nucleus Wealth is a business name of Nucleus Wealth Management Pty Ltd (ABN 54 614 386 266 ) and is a Corporate Authorised Representative of Nucleus Advice Pty Ltd - AFSL 515796#Superannuation #Investments #Super

Real assets and infrastructure are immovable and largely illiquid. They are inherently exposed to many of the long-term risk factors associated with climate change. Kelly Christoudolou, ESG and stewardship manager at Australian Super, as well as Jan Von Mallinckrodt, head of sustainability at Union Investment, join OMFIF's Brandon Chye to discuss how climate change distinctively affects real assets, and how investors and asset owners can effectively manage these challenges. Music: https://www.bensound.com/royalty-free-music

 These gasfields: If they were viable industry would already have developed themLast Tuesday Scott Morrison announced the Federal Government's plan for a gas-led recovery from the coronavirus recession. Described by Katharine Murphy in The Guardian as A gas-fuelled calamity, the plan has been widely criticised for not being financially viable, a boondoggle to the fossil fuel industry and ignoring the urgent need for action on climate change.Cam Walker is the campaigns coordinator for Friends of the Earth Australia. He outlines the problems with the Government's gas plan, describes what a green-led recovery would look like and encourages us to check out the Market Forces report on who’s funding fossil fuels in Australia. Global Day of Action: Fund our Future Not Gas!https://www.schoolstrike4climate.com/ Super funds moving toward net zero emissions by 2050While Scott Morrison refuses to commit to net zero carbon emissions by 2050, a new report has found that Australian Superannuation funds are following the advice of financial regulators and moving toward a net zero emissions future by 2050. Last week ClimateWorks released the results of research conducted with 20 Australian Superannuation Funds as part of its Net Zero Momentum Tracker series. The report shows that, while there’s still a way to go, results are encouraging. Amandine Denis-Ryan, Head of National Programs at Climateworks, joined me to discuss the report.   

Welcome to Finance and Fury.  The future landscape of superannuation – the rise of megafunds through compelled mergers Numerous bodies, including regulators and government, have been keen for superannuation funds to merge The merging of several larger superannuation funds are currently underway creating so-called mega funds. On the flipside, there are smaller superannuation funds, particularly niche funds who focus on areas such as ethical investments, that are holding out against the pressure to merge. This episode – we will focus on the issue of mergers in superannuation, where it can bring benefits and where it cannot – implications for the future of superannuation   The consolidation of superannuation funds is primarily being driven by APRA and superannuation trustees - believe such moves can improve the super system and lead to better outcomes   This belief is supported by findings from the Productivity Commission (2018) review of the efficiency and competitiveness of the Australian superannuation system. Three findings pertinent to mergers were: Compelling cost savings from realised scale have not been systematically passed on to members as lower fees or higher returns. Much scale remains elusive with too few mergers. Rivalry between funds in the default segment is superficial, and there are signs of unhealthy competition in the choice segment (including product proliferation). Many funds lack scale, with 93 APRA-regulated funds — half the total — having assets under $1 billion. The default segment outperforms the system on average, but the way members are allocated to default products has meant many (at least 1.6 million member accounts) have ended up in an underperforming product, eroding nearly half their balance by retirement. APRA – Academic study conducted - found that generally members benefited from being in larger superannuation funds for three reasons: Larger not-for-profit funds provide diversification benefits of investing in more asset classes including unlisted property and private equity. Larger funds avoid the scale diseconomies in investment returns documented in studies of equity mutual funds. Larger funds make substantial savings by spreading fixed operating costs (such as IT infrastructure) over a larger asset base Projections – Major areas – APRA: Corporate, Industry, public sector and retail – the SMSF which is ATO The number of APRA-regulated super funds in Australia is set to shrink considerably. In its Super Insights Report (2019), KPMG estimates APRA-regulated funds will fall from 217 to just 85 in 2029. Corporate funds will fall from 24 to six; industry funds from 38 to 12; public sector funds from 37 to 15; and retail funds from 118 to 52. the number of SMSFs is projected to grow from 596,225 to 770,759 by 2029. Australia’s super assets have ballooned to $2.9 trillion as of September 2019, making it the world’s fourth-largest retirement savings pool. The nation’s super assets are forecast to more than triple to $10.2 trillion by 2038, according to Deloitte’s recent report - Dynamics of the Australian Superannuation System According to Rice Warner’s Superannuation Market Projection 2019report - within five years - the industry will be dominated by nine funds controlling $1.7 trillion includes a merged QSuper/Sunsuper with $350b of assets, AustralianSuper with $325b, AMP with $200b and UniSuper with $150b. Looking forward - When combined with the strong growth of super savings to $10.2 trillion by 2038, these megafunds will make super funds an increasingly powerful force in corporate Australia, particularly in listed markets. If funds continue to hold a similar allocation of assets to Australian shares as they currently do, Deloitte says they will “dominate the Australian Stock Exchange holdings” and estimates the proportion of the ASX owned by super funds will almost double to 60 per cent by 2038 Beyond what the productivity commission mentioned - Why merge? Outflows and sustainability – Net cash outflows The aging population is another reason that there is pressure to merge. As the demographic of a superannuation fund’s membership ages, there will be an increasing level of outflows from the fund. According to KPMG (2019), in 2018 one-third of funds were in an outflow position, while the median fund retained approximately 17 cents in every dollar received. Sustainability of superannuation funds Of course, outflows need to be at a sustainable level and APRA is concerned that this may not be the case for many superannuation funds. Liquidity issues – super funds with outflows may struggle Increasing the scale of the funds due to the size of the super - The benefits of scale can include: lower per member operating cost (for example, the cost of developing technology can be shared over a greater number of people) more influence to advocate on behalf of members – more powerful companies - Issues - Best interests duty of what is in the members actual interests or the superannuation funds interest trustees will also need to consider whether the transfer would breach the obligation to perform duties of acting in the best interests of their members has been lots of talk about why small or under-performing funds have not merged with large funds – Small vs large funds - If a small fund has high fees, high investment costs, high operating costs and it merges into a larger fund that has lower of all of these, all else being equal, it is a very clear case for the small fund However, while it may only be marginal impact to the large fund, it is difficult to prove how the merger is in the best interests of its members. Failed mergers – not all internal players of super funds her on - contention over job roles has been blamed for the failure of some mergers to occur proposed merger between Australian Catholic Super (ACS) and Australian Catholic Superannuation and Retirement Fund (ACSRF) to create an $18 billion fund in 2018 came unstuck when the former demanded that it be able to appoint the chair of the board failed merger came under scrutiny at the Royal Commission into Misconduct in Banking, Superannuation and Financial Services Industries, with Commissioner Hayne inquiring why it mattered who merged into who Efficiencies not guaranteed – especially the scale or operational efficiencies Where fee arrangements are tied to volume (either in value of assets or number of members), scale efficiencies might not be as easy to achieve as one might assume. However - increased bargaining power can see a renegotiation of terms with service providers to reduce the cost base for all members – look at the PDS for super – has management fees, ICRs, operating costs, borrowing and property costs - but require that trustees have an active strategy for managing outsourced functions – otherwise, there is no incentive to reduce these fees as the percentage scale just means more money One benefit which is promoted is that these super accounts will have access to direct investments into areas such as property and infrastructure – but this comes with a downside - need to be managed with liquidity risks Lack of membership diversification of choice of funds - impacts of the coronavirus on the superannuation system had revealed a structural weakness that had long been hiding in plain sight; the failure to diversify fund membership, which can be as dangerous as failure to diversify investments - we need to ask ourselves whether such proposals which essentially double down on the same set of risks are wise... Are such mergers – motivated more by super’s industrial relations legacy than by modern-day concepts of prudent risk management – to the benefit of their members? Is there going to be a role for smaller superannuation funds – reasons for mergers is that the majority of chronic underperformers are found in the smaller-end of the superannuation industry - not the whole story Smaller funds may not have scale - but they can have some advantages in some situations smaller superannuation funds are nimble and are able to take advantage of small but profitable investments that the larger funds overlook because it is not worth their time for the amount of money involved – or cannot take a position worthwhile into Managed funds have issued with this – move the price of assets when buying in or selling – reduces the returns Niche funds– a subset of smaller funds that cater to particular interests, such as ethical investing – may also struggle to play an important role in the superannuation ecosystem where mergers are being promoted by policy – These services could be lost if they were swallowed up by larger funds Would provide limited options or ability for members to line their superannuation up with their investment philosophy some of these funds are seeing rapid inflows of members and funds- been the fastest growing superannuation funds over both one and five year timeframes for inflows     Implications for the industry if consolidation continues Study by KPMG 2019 -consolidation is likely to see the rise of what has begun to be known as the ‘mega funds’ – that have ownership over most of the ASX – control companies – Super funds are expected to use their increasing clout – over the past 15-20 years - industry funds were largely passive shareholders – but this has been changing - becoming activist shareholders funds are starting to invest based around climate change and corporate governance - called environmental, social and governance (ESG) decisions Might have seen in the news about the divestment from Coal companies and other industries One of the most important implication is that the power of superannuation funds - particularly that of mega funds Some concerns – example - Australian Super and Westpac in the AUSTRAC scandal - AustralianSuper, Cbus and Hostplus did not support a spill of the Westpac board (other shareholders were pushing for) following the money-laundering scandal in 2019 Best in class classifications - While slightly tangential to the discussion about mergers, the Productivity Commission recommendation are to have a top 10 ‘best in class’ default superannuation funds based around performance Has an overlap with mergers and what the industry will look like – though it is important to note that just because a superannuation fund is one of the largest funds does not necessarily mean it will be one of the top-10 ‘best in class’ funds For those outside of the top-10 ‘best in class’ default superannuation funds, inflows are going to become more of a problem as they will have to rely on people to make an active choice to join their superannuation fund But no guarantee that the best in class would be that next year or the year after This will likely cause further consolidation across the industry as many funds will no longer be able to rely on default members to prop up inflows – basically getting a stamp – further consolidating power into the top super with FUM Predictions are that over the next 15 years superannuation will increase from $2.7 trillion to $4.8 trillion, discounted to today’s dollars - There are two factors which have a range of implications: 1) Continued consolidation. 2) The increase in FUM which greatly surpasses GDP – where there may not be enough assets to invest in reducing the quality of investments   Applying this to your own situation – Pay attention to your accounts – the merging may have issues that impact you as well – May have to update things like Binding nominations – Also would want to double check contributions are updated   Summary - The superannuation industry looks set to go through a period of consolidation at the behest of APRA and the government The aim of this is to create better outcomes for members by driving underperforming funds out of the system. However – the practical issues around mergers is complex – such as what advantages this will bring, and whether it is in members’ best interests Regardless it is likely that we will see the rise of mega funds and a decrease in the number of smaller funds Mega funds are expected to have increasing power over corporate Australia and through that, the economy But like a lot of policy – it may not work out as intended and have large unintended consequences Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

Pressure is rising for higher GST rate of 12.5 per cent and a broader base to add currently GST-free items like health, food, education and childcare but PWC says lower income groups would need to be protected.

The Federal Government anticipated $29 billion in super savings would be withdrawn over two years, but already $25 billion has been accessed and the scheme is only at the half-way point.

Australian Super's balanced fund realised a 0.52% gain for the financial year despite COVID-19 and against an 11% annual fall in the ASX200. Chief Investment Officer Mark Delaney joins Brooke Corte.

Australian Super has delivered a small positive return for its balanced option fund despite the global economic damage from the pandemic.

In this episode, we meet Hayley Blieden, Founder, Chief Dietician and CEO at Australian Super Food Company. We talk about: How she discovered the incredible native foods that indigenous Australians have harvested for thousands of years The 3 years of research to bring new australian super foods to market The critical pivot they made which saved their business The project they're leading across regional australia to bring consistent supply to market and create sustainable jobs in the regions for indigenous aussies and farmer

So you're interested in finance, but you are overwhelmed by the number of different career paths. Maybe asset management for a superannuation fund is the career option you haven’t yet considered! In today's episode, we are lucky to be joined by Hirumi Samarakoon, an Investment Analyst at Australian Super. In a discussion with our Co-President, Julia, and Subcommittee member Hilary, Hirumi takes us through a summary of her role, and what drew her to finance after originally completing her studies in economics. Hirumi also discusses how an analyst role at a superannuation fund differs from other analyst roles, what soft skills are required to be an analyst, and how she adapted to the lingo and expectations of the finance world. If finance peaks your interest and you are curious about different professions in this area, we recommend giving this one a listen! As always, if you have any questions about this episode feel free to submit them here: https://bowtalks.tumblr.com/?fbclid=IwAR0cQYqF1qvwehoDcNkYSYjbPpWeQDk_g3icSPpiCE2Sb6IGrPSW06c2jGw&utm_source=2019+BoW+Members&utm_campaign=f023cb52bb-EMAIL_CAMPAIGN_2020_02_26_11_00&utm_medium=email&utm_term=0_c8f22bb863-f023cb52bb-519780837

Welcome to Finance and Fury, The Furious Friday Edition Today, the episode is delving a little deeper into superannuation I Work as a financial adviser – see a lot of changes to the legislation of superannuation since I joined the industry in 2011 – Today - Episode on my theory of superannuation from a viewpoint you might not see anywhere else History of Super – From 1970s - superannuation arrangements were in place were set up under industrial awards negotiated by the union movement – nothing like currently – they were union/company run 1983 - A change to superannuation arrangements came - through an agreement between the government and the trade unions Called “Prices and Incomes Accord” - the trade unions agreed that their members (workers) forgo a 3% pay increase to instead direct into the new superannuation system – important point of forgoing salary increase – come back to later This 3% was also matched by employers' contributions the employees' income – Though there is general widespread support for compulsory superannuation today, at the time of its introduction it was met with strong resistance by small business groups who were fearful of the burden associated with its implementation and its ongoing costs – still – passed anyway due to union support Created 6% in total for union/Government workers – but didn’t exist across the board yet 1992 - the Keating Labor Government - compulsory employer contribution scheme became a part of a wider reform package - "Superannuation Guarantee" (SG) contributions Why? Reasoning of Australia, along with many other Western nations, would experience a major demographic shiftin the coming decades, of the aging of the population, and it was claimed that this would result in increased age pension payments that would place an unaffordable strain on the Australian economy. The proposed solution was a "three pillars" approach to retirement income: compulsory employer contributions to superannuation funds, further contributions to superannuation funds and other investments, and if insufficient, a safety net consisting of a means-tested government-funded age pension. The Keating Labor Government had also intended for there to be a compulsory employee contribution beginning in 1997-98, with employee contributions beginning at 1%, then rising to 2% in 1998-99 and reaching 3% in 1999-2000. However, this planned compulsory 3% employee contribution was cancelled by the Howard Liberal Government when it took office in 1996.  By 2002-03 - Howard Government - The employer SG contribution was allowed to continue to rise to 9 Limited employer SG contributions from 1 July 2002 to an employee's ordinary time earnings Before this – no cap in conts The SG rate was 9% from 2002-03 to 2013-14, when the Rudd-Gillard Labor Government passed legislation to increase SG contributions to 12% by 1 July 2019 - originally intended by the Keating Government in 1995 – but got strong opposition and replaced by Howard Abbott Liberal Government deferred the start of this planned increase to the SG by six years, from 1 July 2015 to 1 July 2021. The SG rate has since 1 July 2014 been- from 9.5% and in July 2021 the rate is planned to increase by 0.5% each year until it reaches 12% by 2025. Super Today – has grown massively – increase in compulsory contributions, being tax-effective, and strong market growth It is massive – Estimates show it is likely cracked the $3trn mark as of last month – ASX is about $2trn – remember that every super fund has money in ASX products – so even assuming a 25% = $750bn of the market cap = 37.5% of ASX Massive inflows as well - $120bn p.a. of employee/member contributions The Australian industry superannuation funds is under fire for re-investing funds into questionable investments, to benefit related parties ahead of the investor. Thus, a conflict of interest exists with the parent entity re-investing funds into funds related to the parent entity. Thus the best rate of return is never sought out, and the bank or entity investing the money is not seeking the highest rate of return. Money in certain investments now is a concern - Debt - Bonds – Corporate and derivative position – repo markets Property – Build to rent schemes – especially for Gov buildings to occupy using tax payer funds Index – buying into markets and pushing prices up – for no fundamental gains Most non-self managed funds only provide very minimal information to the account holders about how their money has been invested. Usually, only vague categories are provided, such as "Australian Shares", with no indication of which shares were purchased. This makes the fund's management largely unaccountable to their members. Examples of legislation or policy changes that work against you – political/fiscal or monetary policy bank accounts Fiscal is taxes – where super in accumulation and now pension if you work and below 65 = taxed Also – money available to buy government debt to fund their expenditure Monetary is QE and having Where is also gets more corrupt - Who started super? Labour – but Liberals have helped it too – so it is a joint political effort But super is not all made equally – think super industry all gets along? Current political battlefield in my opinion Industry funds – Their investment options managed by them, control of flow, or at least who the money is given to for investment management WRAP platforms and SMSFs – ones outside of political control/backing You decide where the money goes – not the default option almost everyone is in with Industry super MySuper -default offering based around your age – used to be balanced across the board – but FOFA and stronger super reforms changed all of this These came from a campaign created by a Genuine politician - Bill Shorten – Shorten was elected to the House of Representatives in 2007 - was immediately appointed a parliamentary secretary – had almost a few years’ experience in the union Shorten was elected as the AWU's national secretary in 2001 and was re-elected in 2005. He resigned as Victorian state secretary of the AWU in August 2007. He was also director of the Superannuation Trust of Australia (now Australian Super) and the Victorian Funds Management Corporation. Any guess who some of his largest political donors were for his elections? AWU made $25k, but AusSuper made $25,500 to AWU just before – all of this happened in 2006-2007 just before his first run into politics Shorten - Assumed office in 2007 – became minister for financial services and superannuation, assistant treasurer and Minister for Workplace Relations in the Gillard Government in 2010 – Took him 3 years – must have been impressive – after graduating from Arts/Law degree – worked as a lawyer for 20 months then left to become a trainee union organiser. Worked his way up in the unions until becoming Vic state security in 1998 – where he remained until taking office in 2007 Corruption internally as to where super funds are invested – Publicly – buying Gov bonds – might get a gov job later/funded for office – or vies versa Privately - Example of how this would play out – Say you are a board member, and some business/share or property area you have a financial interest in would benefit from an investment/boost to demand = direct the funds there – Aus Super is very transparent when it compares to other Aus industry funds – go to the end page One area they don’t disclose so well is private equity – they tell you the private companies but not the amounts Regulation changes under FOFA – Insurances of fofa – super v non-super IP Financial advice regulations – Allowed for banks, industry funds and product providers to continue to make money of their products for recommendation, but banned any other adviser have the same opportunity through nil-entry products Im all for this – Advisers shouldn’t get it – charge for a service provided – as opposed to poaching wealthy clients with $1m+ to make 3.3% on placing their money - but nor do I think industry funds charge management costs through investments if it is being outsourced, who charge their own costs (as an ICR) Also – nepotism in construction projects – safe secure investments into Government buildings which the tax payer pays for – Bris is a good example - Cbus invested – Super funds used to pass the borrowing/construction financing costs to the investors – without disclosing it – now it is at least disclosing, but not included in the costs of the investment directly - More recent 2019 election campaign - Shortens proposed legislation changes Franking credits – split in who gains the benefits – in pension phase, SMSF or WRAP gains 100% of benefits – but in unitised structures, tax offsets go to the overall fund – so the returns while not taxed, will be lower on FF income Trust taxes – potential to destroy SMSF structures – as they are non-unit in structure Just saw that every bit of regulation went to help the industry funds, while hurting accounts where you can control your funds. The Government will likely continue to intervene with the super industry – lots to gain and may ways to do it Tax side – easy on the fiscal budget – already done a bit – the introduction of tax in super – increase in taxes on contributions for those earning more than $250k (30% instead of 15%) Consumer protection - Losses to the superannuation funds from the global financial crisis have also been a cause for concern, said to be around $75 billion. Initial financial discussions determined that the Australian economy would be at risk if citizens were allowed to immediately access and withdraw Superannuation, further confirming the belief that mandatory Superannuation may not be a viable long-term fiscal management tool. This was compounded by a lack of proper industry regulation, allegations of fraud and financial misconduct and a host of other issues currently plaguing the industry as a whole - "Thousands of superannuation fund members defrauded in Trio Capital scandal" A sudden outflow – say people could access and just withdrew – markets could collapse – as billions if not trillions may flow out And create other bubbles – like in property – reallocation of resources Summary Lots of money flowing in – likely yours – Pays to know where it is – and be aware of what powers that be have in plan for your super money The inflow of SG - https://www.superannuation.asn.au/resources/superannuation-statistics Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

Welcome back everybody. You are on episode 28 of the retail ready podcast. Thank you for giving up your time to listen to my show. If you are enjoying the podcasts, please make sure you leave a review, or get in contact with me directly as I am loving what you guys are thinking about each episode. In todays episode you will get a science lesson on fibre, prebiotics, probiotics and the powers of BarleyMax. BarleyMax is an Australian super grain which has more health benefits than Oats. You might find it in products on the supermarket shelf and the ladies at Healthy Grain discuss why it should be in more products. Enjoy

It's the 20th episode, Lame Wads!  In this episode we talk about how scientists discovered that dinosaurs actually had feathers, and we imagine what a Jurassic Park remaster would have been like adding feathers to all the dinosaurs. We also talk about Australia training their spiders to be super soldiers, Crocodile Dundee, a possible explanation why Doctor Emmet Brown needed to invent time travel in Back To The Future and how it related to the Final Destination franchise.  We cap it off with talking about how scared we are of stuff, especially clowns, and Scott shares his real life clown scare story. Thanks for listening to Memory Lame!  Take a minute to check out all our different social channels and give us a follow, like, and subscribe!  Don’t forget to leave a rate and review wherever you listen and to give the video episode a thumbs up if you watch on YouTube! Social Links: Facebook: https://www.facebook.com/memorylamepodcast/ Instagram: https://www.instagram.com/memorylamepodcast/ YouTube: https://www.youtube.com/channel/UCMPMtsdnogGahBfglyTHJ7g? 

Former Australian Super Welterweight Champion & Former WBC Asian Boxing Council Welterweight championJoel "CamaKO" Camilleri discusses: fight monikers & the fight game as a  business his custom created "Ring Walk" music by rapper "MARKIA" securing sponsors working as a teacher his bent nose his rock solid head the "Guru" of Australian boxing, Sam Labruna & team and his upcoming bout with "Son of a gun", Tim Tszyu and plenty more!!!

Reg Roberts joins Bruce to breakdown the Australian Squads for Super Rugby. Plenty of player news to discuss including: - Player resting for the Wallabies. Who? - Bryce Hegarty... really? - Adam Ashley Cooper and Karmichael Hunt. - Plus much more including an early prediction of the starting XV's for Super Rugby '19. It's time to put the work in for your draft! Remember to reply with #DraftDay19 for the open spot in the old podcast league to take on Bruce and Mossman plus assorted others... @fantasyrugdraft Fantasy Rugby Draft Hall of Fame Facebook Group FANTASY RUGBY DRAFT

Helen Rowell is Deputy Chairman at APRA, she was appointed in 2015 and is serving a five-year term. In this episode of Success Stories, Helen talks with Catherine Robson about her love of maths and her background as an actuary. She has participated in the Royal Commission on banking and uses a financial advisor. Plus, the quote she loves and the best investment she's made.

This week we cover the glorified house show that was the AUSTRALIA SUPER SHOWDOWN! alongside the usual Concerns about the Evolution Card, Jinder still loves sonic, John Cena is a shonen character, and Aiden English belongs on r/niceguys

Grant Brits talks more about his start up company and takes time to explain more about the unique focus of Superestate, which unlike most superannuation funds, invests your super into the residential property market.Join us on today's episode of Property Investory as Brits delves into the process of becoming a member of Superestate, the benefits and ease they provide their customers and who he sourced assistance from in order to get Superestate to where it is now. He'll be talking about the critical importance of industry networks and relationships, and lastly the significance of realising that every aspect of your journey, including the challenges you face along the way, is valuable. See acast.com/privacy for privacy and opt-out information.

Why are wwe running the MCG? that is a good question we dont know but its happening. Podcast Twitter : https://twitter.com/SmackItDownPod Corey Gold Twitter : https://twitter.com/seanyw17 Jay Silver Twitter : https://twitter.com/thevivalajady

Welcome to Finance & Fury’s ‘Furious Friday’! Today’s misconception – Is cheaper better, or do you get what you pay for? Met with a client this week for an initial appointment – He had been reading ‘The Barefoot Investor’ I haven’t read it, but he had a summary of the tips in the book. His biggest take away were on the cost of things – basically, lower cost is the best option. But is it? You pay for costs for a reason - to get something out of it! Super – Admin fees and Management fees Listed Investment Companies (LICs) – Management fees Very true that when looking at ‘like for like’ products – cheapest is generally the better option When comparing the exact same: for example, buying a car – If ‘Car A’ and ‘Car B’ are the exact same, you go for the lower costs Close substitutes: If things are really similar ‘Car A’ and ‘Car B’ (Mazda and Hyundai) – Might go for a personal preference But how do you compare things like investments or superfunds? Not all things are created equal Comparing solely on costs can be a trap! Not all things (like super) are 'like for like' Admin fees Host Plus - $78 Sunsuper - $78 + 0.1% Australian Super - $78 Investment options, returns and net costs: Returns – MERs – taxes = Net Returns Income returns taxed at 15% on average  Cumulative returns Host plus Balanced Default - 74.31% Index Balanced - 69.60% Sunsuper - 67.01% Australian Super - 71.59% You get what you pay for here – because they are all managed and invested in similar ways These options, however, might not be the best for all My funds My super is with another platform that allows me to make the investments, so I can choose from 400+ other managed funds, direct shares, LICs etc. They do charge more though, so if you are going for multimanaged you will underperform, but if you go for other managers you will make up the difference. Needs to be non-index investments to make up the difference Active funds If you are higher growth, non-index, that increase in values more than income returns My fund pays me franking credits For me the costs are worth it to access the investments and franking credits Cumulative returns Average – 148.15% Not ‘like for like’ – More high growth than the industry funds. But costs more - $175 flat + 0.3% of balance MER – 1.4% LICs vs ETFs LICs -Companies Control Dividends Make active investment decisions ETFs – Trusts (similar to managed funds) Generally passive Dividends, FCs – flow through to the investor Dividend payments WAM – 6.6% WAX – 6.4% AFI – 3.96% The take away If you know you’re comparing ‘like for like’ – Lower cost is best But you shouldn’t base all decisions around the costs only If you are comparing two large cap funds that do the exact same thing Or two super funds doing the exact same thing Go for lower costs Some things are worth the extra cost!

Stephen Anthony, Chief Economist at Australian Super talks to Ross about housing affordability and how the government and the private sector can work together to increase the assisted housing supply.

Mark Delaney the Deputy Chief Executive at Australian Super talks to Ross about the returns for the 206/7 financial year 

Lars Birkholm Peterson is one of the co-authors of Connect - How to use Data and Experience Marketing to Create Lifetime Customers. I interview Lars about the Customer Experience Maturity Model and how to apply some of the principal's of customer centric marketing practices for business. Lars explains some quick wins you can achieve by aligning your digitial channels, using ppc campaign results and how to personalise and segment your customer journey on your website. He gives some Australian examples of companies creating great customer experiences like QTM Mutal Bank and Australian Super. To learn more about the book and take the Customer Experience Maturity Model Survey visit connecttheexperience.com Follow on Twitter: #connectcx