Super Insider

Investing isn’t just about following the market – it’s about having the ability to make the right calls. In this episode, we bring you an inside look at the investment expertise that drives returns for your superannuation savings. Our Head of Investment Strategy, Andrew Fisher, explains how his team builds portfolios that aim to grow retirement savings while managing risk. And how expert decision–making and market insights come together to make sure your retirement savings are working hard for your future. You’ll learn: ✅ How our investment team craft diverse portfolios designed to grow your super over the long term ✅ The strategic choices behind our recent investment returns ✅ How we seek to stay ahead of market changes to maximise opportunities for our members.  Whether you’re a member with us, or simply curious about how super funds invest, this episode gives you practical insights into the strategies that aim to grow superannuation savings. Join us and be part of a community that’s focussed on helping you retire well with confidence. Subscribe to Super Insider now by using links below ⬇️.   FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ...     RECOMMENDATIONS   Choosing the right investments for you Australian Retirement Trust new investment options  IF YOU LIKED THIS EPISODE YOU MAY LIKE   Invest smarter: Risk vs. returns in superannuation    WE’D LOVE TO HEAR FROM YOU!      If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!        CREDITS    Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Andrew Fisher, Australian Retirement Trust Head of Investment Strategy  Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination  at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.  This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’).  Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.  

Do you know how you’ll set up your finances once you’ve stopped working full time? If you want to understand your options at retirement and how to access your super, this Super Insider episode has been made for you. It’s one of our popular Q&A sessions where we unpack how to plan for the lifestyle you’ve worked your whole life for.  We cover some of our most frequently asked questions like:  0:00 Ready to retire?  1:28 What's the age that I can retire? 3:47 What does preservation age mean? 5:03 How much should I aim to save before I retire? 8:49 How do I start using my super? 13:16 When can I access the Age Pension?  18:33 How will tax affect my income in retirement? 19:46 What's the downsizer super contribution? 22:31 What happens to my super when I pass away? Whether you’re winding down work, or are planning to retire soon, this is the episode that will keep you on track.  Join our community of people keen to live their best retirement. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️.  FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...  RECOMMENDATIONS  For guidance on super balances and retirement planning  How much super do I need?  For information on Age Pension eligibility and rules  Age PensionServices Australia  IF YOU LIKED THIS EPISODE YOU MAY LIKE  Transition to Retirement – your guide to accessing your super while still at work   What happens to super when you die?  WE’D LOVE TO HEAR FROM YOU!  If you found this episode helpful, drop us a comment and let us know the topics or questions you’d like us to cover next. Or email us at podcast@art.com.au. Thank you!  CREDITS   Ruth Weaver, Australian Retirement Trust Education Manager  Adele Fisk, Australian Retirement Trust Financial Adviser   The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.  This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’).  Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speaker is provided as general information only and not financial advice. 

Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know. Tune in to learn:  the rules for eligibility  how Age Pension payments are calculated  what income and assets are counted  how to claim through Services Australia  what to do if your circumstances change.  Whether you’re close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence. FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ...    RECOMMENDATIONS   How the Age Pension and super work together How much Age Pension can you get? IF YOU LIKED THIS EPISODE YOU MAY LIKE   Income in retirement: how to access your superannuation Is financial advice worth it? WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!     CREDITS    Anne Fuchs, Australian Retirement Trust Executive General Manager Advice, Guidance and Education   Justin Bott, Services Australia Customer Information Officer   The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.  This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’).  Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speaker is provided as general information only and not financial advice.    

In this episode, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education, Anne Fuchs, and Chief Economist, Brian Parker, explore how global economic trends affect your superannuation and retirement plans. They cover:  Why super funds have Chief Economists and their role in managing your retirement savings  How economic trends and global events are impacting your super returns  How rising inflation impacts your retirement savings, and how it’s managed  The long-term economic trends that influence your investment returns  How changing demographics and economic volatility shape retirement planning.  Join us, and our community of people keen to live their best retirement life, by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future.   FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...   RECOMMENDATIONS  Australian Retirement Trust’s new investment options menu  https://www.australianretirementtrust.com.au/investments/options IF YOU LIKED THIS EPISODE YOU MAY LIKE  Retire earlier: superannuation contribution strategies Is your superannuation on track – 6 steps to awaken your super WE’D LOVE TO HEAR FROM YOU!  If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education  Brian Parker, Australian Retirement Trust Chief Economist  Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals.  This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper.  This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/disclosure or call us on 1300 360 750 for a copy. 

On the show we’re peeking behind the curtain of our super investment team to see how they look after members’ money. Join our host Anne Fuchs and Australian Retirement Trust’s Head of Investment Strategy and Head of Private Corporate Assets as they talk portfolios, investment decisions and the Covid-fuelled rise of the ‘meme stock’. Listen to learn 🧑‍🏫:  why diversifying investments is important  how volatility and risk are different  why asset classes have different risk profiles  how innovation can fuel investment opportunities  Join our community of people keen to live their best retirement lives. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ...  RECOMMENDATIONS Australian Retirement Trust Risk profile quiz https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz Australian Retirement Trust’s new investment options menu https://www.australianretirementtrust.com.au/investments/options Past performance is not a reliable indicator of future performance.  This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper.This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/disclosure or call us on 1300 360 750 for a copy. 

In this insightful episode of Super Insider we deep dive into the world of financial advice and retirement planning with Garth Collingwood from River City Financial Planning. Join host Anne Fuchs as she chats with Garth about the most common concerns and misconceptions around professional financial advice. Highlights  The number one question Garth gets asked and why the answer isn’t one-size-fits-all.  Why financial advice is for everyone, regardless of wealth.  The truth about the cost of financial planning.  Tips for how to approach retirement with confidence, even if you’re feeling overwhelmed.   GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au RECOMMENDATIONS What types of financial advice are there? https://www.australianretirementtrust.com.au/advice/options To find a financial adviser who offers the right service for you  Financial Advice Association Australia.For tips on working with a financial adviserFOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ...                                                                              CREDITS Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Garth Collingwood, River City Financial Planning Principal and Senior Financial Planner.  Any advice given by Australian Retirement Trust is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. If you need financial advice about more than just your super, we may refer you to an accredited external financial adviser. Advice of this nature may incur a fee. You can find out more about financial advice options at https://www.australianretirementtrust.com.au/advice/options. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees in the Australian Retirement Trust group. Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.   Any advice given by the guest speaker is provided in their role as the authorised representative of Fintegrity Wealth Advisers Pty Ltd (ABN 89 653 321 487, AFSL 534971).The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee of Australian Retirement Trust. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, trustee of Australian Retirement Trust ABN 60 905 115 063. Any reference to “QSuper” is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

In this Super Insider episode, we’ll cover how you may be able to retire earlier by adding extra money to your superannuation. Our experts will explain the different types of super contributions. Discover how small contributions can lead to significant growth, ways you may be able to reduce your taxable income and how the government co-contribution scheme supports low-income earners. You’ll also learn how downsizer contributions work, and why you might want to split your super with your spouse.Here's what’s covered:2.27 What is the Super Guarantee?3.54 What are before-tax contributions?7.21 What are after-tax contributions?10.21 What's the Federal Government co-contribution?11.22 What are downsizer super contributions?14.04 What are spouse super contributions?14.50 What’s super splitting?20.46 Where can I get more information?Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future.RECOMMENDATIONSAustralian Retirement Trust Contributions CalculatorATO guidelines on concessional and non-concessional contributionsIF YOU LIKED THIS EPISODE YOU MAY LIKEHow much super you need to retire, and how to get itFOLLOW SUPER INSIDERApple Podcasts - https://podcasts.apple.com/au/podcast...Spotify - https://open.spotify.com/show/1aXYHWZ...                                                                             GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au CREDITSApril Smith, Australian Retirement Trust Member Education OfficerKane Everingham, Australian Retirement Trust Team Leader Member EducationPast performance is not a reliable indicator of future performance.Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

In this episode, Australian Retirement Trust Chief Economist Brian Parker and Senior Manager of Education Joshua van Gestel, share their knowledge and insights on the current economic outlook including inflation, interest rates and potential investment opportunities. They also cover:  how the recent Federal Budget affects your super   the state of interest rates and inflation, plus  why this year’s United States election may affect the global economy.  Host Anne Fuchs keeps the conversation lively, ensuring you leave with actionable insights. Whether you are just starting your career, or nearing retirement, subscribe to Super Insider today and expand your super knowledge. You’ll find us wherever you get your podcasts. PS. Don’t forget to share this with family and friends who might also benefit.  RECOMMENDATIONS Budget 2024-24 https://budget.gov.au/index.htm  Parental leave super boost https://qsuper.qld.gov.au/news-hub/articles/2024/05/14/21/38/parental-leave-super-boost  What’s changing in super from July 2024? https://www.australianretirementtrust.com.au/learn/education-hub/1-july-2024-superannuation-changes  IF YOU LIKED THIS EPISODE YOU MAY LIKE Is your superannuation on track? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-20  How to choose your super options? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8  FOLLOW SUPER INSIDERApple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ....   GET IN TOUCHWe’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au  CREDITSHost: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.  Guests: Brian Parker, Australian Retirement Trust Chief Economist and Joshua van Gestel, Australian Retirement Trust Senior Manager of Education.  Past performance is not a reliable indicator of future performance. Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

Ever wonder what happens to your super after you retire? You’re not alone. In this episode of Super Insider, Australian Retirement Trust educators Ruth Weaver and Steven Fehring unpack the power of retirement income accounts – also known as account-based pensions – and how to turn your super into a reliable income stream once the pay checks stop. Tune in to learn the simple rules and surprising benefits of these accounts, so you can plan a stress-free golden age with confidence.  Here's what’s covered: 01:38 What’s an income account? 02:23 What's the difference between superannuation and income accounts? 05:17 What are my payment options? 05:46 How much money do I have to take out? 07:08 How long is my super going to last? 08:34 What are the advantages of an income account? 9:56 Am I eligible to open an income account? 11:10 Can I change my mind? 11:52 Can I have a joint account? 13: 18 When can I open an income account? 14:15 How do I compare income accounts? 17:03 How much can I put into an income account? 17:39 What's the minimum drawdown amount? 18:55 Can I close an income account? 20.03 How do I open an income account? Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au RECOMMENDATIONS: Moneysmart Retirement Planner https://moneysmart.gov.au/retirement-income/retirement-planner Australian Retirement Trust Retirement Calculator www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you What’s the Retirement Bonus? www.australianretirementtrust.com.au/retirement/getting-ready/income-accounts/retirement/bonus FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1 CREDITS: Ruth Weaver, Australian Retirement Trust Education Manager Steven Fehring, Australian Retirement Trust Member Education Officer Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  

Is your superannuation on track? Did you know 55% of Australians aren’t sure they’ll have enough super by the time they retire? (2)Research shows you could be better off in retirement if you get on top of your super now. (3)In this episode, Australian Retirement Trust education leaders Ruth Weaver and Joshua van Gestel discuss:   how to check your super is on track   why it’s essential to understand your ‘super style’    ways to unleash your super’s potential  tools that can help you take the next steps with your super   #Superannution #Retirement #Super IF YOU LIKED THIS EPISODE YOU MAY LIKE:  Super 101: Your questions answered  https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-14  Our top 10 retirement questions answered  https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-16  RECOMMENDATIONS:  Awaken your super  https://www.australianretirementtrust.com.au/superannuation/awaken-your-super FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388  Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1  GET IN TOUCH:  We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au                                                                             CREDITS:  Host: Joshua van Gestel, Australian Retirement Trust Senior Manager, Education  Guest: Ruth Weaver, Australian Retirement Trust Education Manager  Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  Before you consolidate your super, please consider if the timing is right to bring your super together, and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications. Past performance is not a reliable indicator of future performance. Investment Trends 2022 Super Member Engagement Report, page 107 2. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2022. 3. Superannuation: Assessing Efficiency and Competitiveness report 2018 Productivity Commission