How do we equip the next generation with the financial skills they need for life? 💡
 

In this episode of Super Insider, Anne talks with Katrina from the Financial Basics Foundation about the importance of financial literacy, the challenges of delivering it in schools, and how programs like Cashed Up are helping young people build confidence, resilience, and healthier money habits. 

From real student success stories to the barriers teachers face, we explore why financial education is more than numbers - it’s a life skill that can shape futures. 

For more resources on the Cashed Up Program and to learn how Australian Retirement Trust supports financial wellbeing, visit:  

https://www.australianretirementtrust.com.au/about/community-partnerships 

https://financialbasics.org.au/educator-hub/cashed-up-course-catalogue/ 

Tune in to learn: 

02:20 – The importance of teaching financial literacy in schools 

03:35 – What financial literacy really is (beyond maths and formulas)
 

04:28 – How Financial Basics Foundation resources reach 80% of Australian schools
 

06:02 – A student’s inspiring story from the Cashed Up Holiday Hustle
 

07:36 – The risks of financial illiteracy in a digital-first world
 

09:15 – Why compounding interest is a core life skill
 

10:00 – How parents and carers can get involved
 

11:00 – The future vision for financial literacy by 2030
 

11:45 – Why confidence matters just as much as knowledge
 

12:51 – How financial literacy empowers young women to thrive 

🎧 Subscribe now and share the episode with a young person in your life. Together, we can build stronger financial futures. 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

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👍 Click the thumbs up and give your feedback by leaving a comment.     

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💝 Share this episode with a friend who needs to hear it. 

CREDITS      

Anne Fuchs - Host & Executive General Manager of Advocacy and Impact, ART 

Katrina Samios - CEO, Financial Basics Foundation 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.  

This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).  

Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

Any information given by the guest speakers is provided as general information only and not financial advice. 

No phones, no windows - three days in the Cabinet Room discussing Australia's economic future. 

Want to know what we’ll be talking about?  

In this episode of Super Insider, Andrew Fraser joins Anne Fuchs to share how Australian Retirement Trust is representing our members at the Economic Reform Roundtable in Canberra. 

As the only super fund with a dedicated seat at the table, we’re helping shape the national conversation of productivity, investment and retirement policy - turning big ideas into real-world benefits for Australians. From explaining what the Roundtable is and why it matters, to exploring how the discussions connect to the everyday realities of Australians, Andrew and Anne unpack the opportunities ahead. Along the way, Andrew also shares his personal perspective on representing members at such a high-level forum and the key questions he hopes to raise on their behalf. 

This episode provides a look into how Australian Retirement Trust advocates for better outcomes for both our members and all Australians - and how the decisions made in Canberra today could shape the Australia of tomorrow. 

Learn more about how we’re helping shape Australia’s future: https://www.australianretirementtrust.com.au 

Tune in to learn: 

0:00 - Introduction & why the Roundtable matters 

2:15 - What is the Economic Reform Roundtable? 

4:50 - Why ART was invited & our submission focus 

7:40 - Linking Roundtable themes to members’ lives 

10:25 - Productivity: Investing in projects that benefit Australia & members 

14:05 - How super can help money move faster between projects 

16:50 - Retirement system gaps & opportunities for change 

20:15 - Access to better choices for retirees 

23:10 - Andrew’s personal perspective & hopes for the Roundtable 

25:55 - Looking ahead: Possible policy outcomes for members 

🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

👍 Click the thumbs up and give your feedback by leaving a comment.     

🔔 Subscribe and hit the notification bell to get the latest episodes.    

💝 Share this episode with a friend who needs to hear it. 

CREDITS      

Anne Fuchs - Host & Executive General Manager of Advocacy and Impact, ART 

Andrew Fraser – Chairman of the Board, ART 

Unlock the insights on economic trends and investment outcomes shaping your superannuation this financial year.  

Join Anne, Brian, and Andrew as they break down key economic trends, investment winners from airports to AI (via data centres), and what market ups and downs mean for your retirement savings. Whether you’re nearing retirement or just getting started, this EOFY recap gives you the clarity you need to understand your super’s performance and what lies ahead. 

For more information on how Australian Retirement Trust manages your super and to explore your investment options, visit:  

https://www.australianretirementtrust.com.au/investments 

Tune in to learn: 

01:00 - Economic overview: inflation, interest rates, and growth 

02:20 - Impact of global trade tensions on markets 

03:20 - Australia’s economy: steady growth and rising real wages 

05:00 - Investment performance highlights & top performing options 

06:20 - Why airports, data centers, and private equity are shining 

10:30 - The advantage of diversification & scale in investments 

12:40 - Understanding market volatility & its role in super 

14:00 - Lifecycle strategy: managing risk as you approach retirement 

15:00 - Economic outlook & predictions on interest rates 

18:00 - Year highlights & the power of financial advice 

🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

👍 Click the thumbs up and give your feedback by leaving a comment.     

🔔 Subscribe and hit the notification bell to get the latest episodes.    

💝 Share this episode with a friend who needs to hear it. 

CREDITS      

Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART 

Brian Parker – Chief Economist, ART 

Andrew Fisher – GM, Total Portfolio Management and Resilience, ART 

Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category. High Growth is our #1 performing option over 10 years to 30 June 2025. Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees.  The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary.  The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date.   

Past performance is not a reliable indicator of future performance. 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.  

This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).  

Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

Any information given by the guest speakers is provided as general information only and not financial advice. 

Aged care in Australia can feel complex – but it doesn’t have to be!

Ever wondered how the Commonwealth Seniors Health Card works and how you qualify?

What do one of Australia’s top tourism brands and a $300 billion super fund have in common? More than you might think! 

We’re on location at Discovery Parks Byron Bay to explore a surprising way Aussies are growing their super – just by booking a holiday. 

Host Anne Fuchs sits down with Grant Wilckens (G’Day Group CEO) and Michael Weaver (ART Head of Global Real Assets) to talk about: 

00:00 Why taking a holiday is good for your superannuation and retirement

01:36 🌏Owning a slice of Australia – G’Day Group Discovery Parks run more than 90 holiday parks in stunning spots like Byron Bay, Cradle Mountain, Rottnest Island and the Kimberley. 

06:10 🚙The evolution of caravan parks – once just powered sites for motorhomes, holiday parks now offer everything from luxury lodges to glamping. The industry has grown into a billion-dollar business. 

07:00 💰Big investments, big growth – with more than $2 billion in assets, Discovery Parks is ART’s largest real estate investment. And it’s still growing. That’s good news for your super. 

08:00 🏖️Your super, your holidays – every stay helps ART members grow their retirement savings. 

Super isn’t just about the future; it’s working for you right now. Tune in for more insights. 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

LINKS MENTIONED IN EPISODE 

About G’Day Group 

https://www.australianretirementtrust.com.au/advisers/articles/gday-group 

Investing in super 

https://www.australianretirementtrust.com.au/investments/options 

IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE   

Invest smarter: Risk vs returns in superannuation 

 What’s a good super balance for my age? Here’s how to check 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

💙 Subscribe for regular updates (please leave us a rating or review).    

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388      

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    

💝 Share this episode with a friend who needs to hear it. 

CREDITS      

Anne Fuchs, ART Executive General Manager, Advocacy and Impact  

Grant Wilckens, G’Day Group CEO  

Michael Weaver, ART Head of Global Real Assets 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

Any information given by the guest speakers is provided as general information only and not financial advice. 

There’s a lot happening in the world right now. What does it mean for your super? 

You might be hearing about changes in the stock market. It can sound confusing – but here's the truth: 

👉 Your super is built for the long term 

👉 Short-term noise doesn’t mean long-term loss 

In this episode of Super Insider, we explain what’s going on and make sense of how current events may impact your retirement savings (spoiler alert: not as much as you might think). Hear from our experts ART's Chief Economist, Brian Parker, Senior Education Manager, Joshua van Gestel, and host Anne Fuchs.  

Why you need to tune in: 

00:00 Market volatility and your superannuation

02:35 How your investment team thinks about volatility - and why it's not always bad news 

03:10 Understanding the benefits of staying invested, even when markets dip 

04:18 Tips for keeping emotions out of your investment decisions  

07:23 How our Lifecycle default option helps protect members nearing retirement 

09:18 Why diversification and access to global private assets give your super strength in uncertain times 

Take 10 minutes and listen in. You might walk away with a fresh perspective - and peace of mind. 

FOLLOW SUPER INSIDER   

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

RECOMENDATIONS 

What you need to know about market volatility and your super 

Strong super performance 

IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE   

Invest smarter: Risk v return in superannuation 

Exclusive Q&A with ART’s Chief Investment Officer – How we invest $300 billion in superannuation 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

💙 Subscribe for regular updates (please leave us a rating or review).    

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388      

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    

💝 Share this episode with a friend who needs to hear it. 

CREDITS    

Anne Fuchs Executive General Manager of Advocacy and Impact, Australian Retirement Trust 

Brian Parker Chief Economist, Australian Retirement Trust 

Joshua van Gestel Senior Education Manager, Australian Retirement Trust 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

Any information given by the guest speakers is provided as general information only and not financial advice. 

Artificial Intelligence is the future of work. It’s already shaping careers, money and daily life. But are you using it to your advantage?  In this International Women’s Day episode of Super Insider, we ask AI expert Dr Nici Sweaney (Ai Her Way) and ART investment partner Elicia McDonald (Airtree) how AI can cut stress, boost careers and reduce the mental load. 

Did you know? 

🤖 There are about 31,000 generative AI tools in the market 

💵AI could add $16 trillion to the global economy by 20301 

🏢 AI could create 200,000 new jobs in Australia in the next 5 years2 

😟Only 22% of AI experts are women3 

Why you need to listen 

04:16 What’s generative AI and what can it do for you 

09:25 Ways to use AI – no coding skills needed!  

11: 58 Practical tools to lighten your load so you can focus on what matters 

15:05 AI safety and ethics 

FOLLOW SUPER INSIDER   

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

RECOMMENDATIONS   

Ai Her Way 

https://www.aiherway.com.au/ 

Check out Dr Nici’s AI course 

Ai Her Way offers a practical, high-impact AI course for all the knowledge and tools you need—without the complexity. Super Insider listeners can experience the Fundamentals of AI course free for 14 days, plus 50% off 1st-month membership on course completion, and downloadable content.  

Airtree 

https://www.airtree.vc/ 

Airtree is an ART investment partner, with an interest in female founders. Read more about our partnership here. 

AI tools to make life easier 

ChatGPT, CoPilot, Granola, Claude 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD   

💙 Subscribe for regular updates (please leave us a rating or review).  

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388     

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO   

💝 Share this episode with a friend who needs to hear it.  

CREDITS    

Anne Fuchs Executive General Manager of Advocacy and Impact, Australian Retirement Trust 

Dr Nici Sweaney, AI strategist and founder of AI Her Way, a platform empowering female entrepreneurs with ethically designed AI tools. 

Elicia McDonald, partner at Airtree, one of Australia’s leading venture capital firms, investing in groundbreaking AI technology and proudly supported by Australian Retirement Trust. 

1. PwC's Global Artificial Intelligence Study, accessed 19 March 2025 at pwc.com 

2. Meeting the AI Skills Boom, 2024, accessed 19 March 2025 at techcouncil.com.au 

3. AI's Missing Link: The Gender Gap in the Talent Pool, 2024, accessed 19 March 2025 at interface-eu.org 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

Any information given by the guest speakers is provided as general information only and not financial advice. 

It’s the million-dollar question (literally): How much super do you actually need for retirement? 🧐 If you think you need $1 million, you might be surprised. 

In this must-listen episode of Super Insider, host Anne sits down with super educator Josh van Gestel to break it all down. No confusing jargon, no wild guesses—just clear, practical facts to help you work out how much you might need for a comfortable retirement. 

Listen and you’ll discover:  

00.00 🎙️How much super do I REALLY need to retire? 

02.27 💰 How much super should you have, and why the ‘million-dollar retirement’ myth might not apply to you  

03.08 🖐️ The 5 simple steps to working out YOUR retirement number   

04.21 ❓ What age do you want to retire? 

05.20 🏖️ How long will your retirement be? 

06.45 🤔 Consider your own situation 

07.45 ✈️ What are your needs and wants? 

07.50 🏡 How factors like lifestyle, home ownership, and retirement age change your number  

09.07 🔢 Work out your number 

09.16 🛠️ The simple retirement planning tool that tells you if you’re on track (and how to fix a gap)  

💫 If you’re unsure about how much you really need to retire, this chat will make things clearer. And when you know where you stand, you can plan better and feel more confident about the future.  

🎧Click to watch or listen now.  

FOLLOW SUPER INSIDER    

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO  

RECOMMENDATIONS    

ART Retirement calculator  

Planning your retirement  

ART Seminars and webinars  

IF YOU LIKED THIS EPISODE YOU MAY LIKE    

Age Pension Australia – understand the rules and how to qualify  

What’s a good super balance for my age? Here’s how to check  

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     

💙 Subscribe for regular updates (please leave us a rating or review).     

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388       

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO     

💝 Share this episode with a friend who needs to hear it.  

CREDITS       

Anne Fuchs, ART Executive General Manager, Advocacy and Impact    

Josh van Gestel, ART Senior Manager - Education Delivery  

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.   

This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.  

Many of us have life and other insurances through our super, but do you really know what it covers? Could you confidently say you’re protected if the unexpected happened? 

In today’s episode we dig into the essentials of insurance in superannuation, and what too many people overlook. You’ll hear real-life stories, expert insights and surprising facts that might make you rethink your cover.  

You’ll learn:  

Don’t wait until it’s too late. Hit play now and make sure you and your loved ones are properly protected.  

FOLLOW SUPER INSIDER   

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO  

RECOMMENDATIONS   

Insurance cover in your super  

https://www.australianretirementtrust.com.au/insurance  

Insurance calculator  

https://www.australianretirementtrust.com.au/learn/tools  

IF YOU LIKED THIS EPISODE YOU MAY LIKE   

What to do if you’re facing an unplanned retirement  

https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-32  

Is financial advice worth it? The power of planning for retirement  

https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-24  

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD  

💙 Subscribe for regular updates (please leave us a rating or review).  

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388  

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO  

💝 Share this episode with a friend who needs to hear it.  

CREDITS   

Anne Fuchs, Executive General Manager - Advocacy & Impact  

Kane Everingham, Team Leader – Education Delivery 

April Smith, Education Lead 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.  

This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide to tell you about that advice and how they’re paid.