Super Insider

Australia is on the cusp of one of the biggest intergenerational wealth transfers in history, with an estimated $3.5 trillion expected to change hands over the next decade or two*. 

In this episode of Super Insider, Anne Fuchs chats with Gemma Mitchell, co-host of the Australian Finance Podcast and Head of Education at Rask Media, about what the great wealth transfer could mean for younger generations and how you can navigate it. 

From understanding your super as one of your biggest assets to making the most of an inheritance, they unpack the strategies, trade-offs and questions worth thinking about now. 

Tune in to learn about the following topics:

Whether you’re building wealth, expecting an inheritance or helping your parents plan for the future, this episode gives you plenty to think about. 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au  

Or check out our Retirement Calculator: https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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

*Source: Productivity Commission, August 2026 

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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CREDITS      

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

Gemma Mitchell – Head of Education & Co-Host of The Australian Finance Podcast, Rask Media  

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 advice or information only. It’s not based on your personal objectives, financial situation or needs. Think about your personal circumstances 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. 

Where does your super actually go once it’s invested?  

Behind every super balance is a carefully constructed investment portfolio designed to help grow your retirement savings over the long term. But what goes into those decisions, and how do different asset classes work together through changing market conditions? 

In this episode of Super Insider, our host and Executive General Manager of Advocacy and Impact Anne Fuchs is joined by our Chief Investment Officer Ian Patrick, General Manager of Mid Risk Assets & UK Michael Weaver, and General Manager of Growth Assets Elizabeth Kumaru for an in-depth look at your super in action.  

From artificial intelligence and global shares to infrastructure, private assets and diversification, our investment experts explain what drove this year's performance, how ART manages risk through market volatility, and why a long-term focus continues to be one of the most powerful decisions you can make. 

What you’ll learn: 

Whether you're reviewing your investment option, curious about how your super is working for you, or want to feel more confident about your retirement savings, this episode is for you. 

Super Insider isn’t just a podcast - it’s a trusted guide for our members, helping them feel informed and in control. Whether they’re a few years from retirement or just starting to plan, we’re giving them the knowledge they need in an easy, accessible way. Have you subscribed to Super Insider yet? If not, we’re on all the main platforms.  

Tune in now and join the conversation! 

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.  

Past performance is not a reliable indicator of future performance. 

This is general advice or information only. It’s not based on your personal objectives, financial situation or needs. Think about your personal circumstances 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. 

What happened to your super investments this financial year? 

Despite global conflict, market volatility and economic uncertainty, many super funds delivered strong returns over the past financial year. So what happened and what does it mean for your retirement savings? 

In this episode of Super Insider, Josh Van Gestel is joined by Australian Retirement Trust Chief Economist Brian Parker to unpack the biggest investment stories of the financial year. Together, they explain why markets proved more resilient than many expected, what drove investment performance, and why staying focused on the long term remains one of the most important decisions you can make as an investor. 

Tune in to learn about the following topics: 

Whether you're checking your annual super performance or simply trying to make sense of the headlines, this conversation will help you understand what matters most and why keeping a long-term perspective is key. 

This episode is designed to help you feel more confident about your retirement decisions, no matter where you are in your journey. 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Brian Parker – Chief Economist, ART 

Returns of 10.07% p.a over 10 years to 30 June 2026 are for the High Growth Option. 

Past performance is not a reliable indicator of future performance. Returns are after investment fees and costs and transaction costs but before administration fees. The option was renamed from Growth to High Growth on 1 July 2024. Returns shown are for Sunsuper for Life Growth option to 28 February 2022, then ART Growth/High Growth up to 30 June 2026. Default option is Lifecycle Investment Strategy. Individual returns may vary. 

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).  

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. 

These are the top retirement questions Australians are all asking right now. 

In this Super Insider episode, ART education experts Josh Van Gestel, Ruth Weaver and Kane Everingham answer the most common (and sometimes unexpected) questions they hear from thousands of Australians across their Retirement Essentials sessions. From how much you need to retire, to when you can access your super, and what happens to your money when you pass away, this conversation brings clarity to the topics that matter most. 

You will also hear practical guidance on Age Pension eligibility, tax in retirement, investment decisions, and whether self-managed super funds are really worth it as you approach retirement. 

Tune in to learn about the following topics: 

01:26 - How much you may need in retirement 

02:09 - When you can access your super 

03:57 - What age pension eligibility looks like 

07:41 - Why super tax benefits matter at 60+ 

09:17 - How super is taxed after death 

12:11 - Where retirement income can come from 

14:01 - What to consider before DIY investing 

This episode is designed to help you feel more confident about your retirement decisions, no matter where you are in your journey. 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

Learn more about the Age Pension here: https://art.com.au/age-pension  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader, Key Client Education, ART 

Kane Everingham – Team Leader, Education Delivery, ART 

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. 

Is your super on track to fund the lifestyle you want in retirement? 

In this Super Insider episode, our Education experts Joshua, Ruth and Kane walk you through ART’s Retirement Essentials education program: https://www.australianretirementtrust.com.au/advice/events-and-seminars   

From planning your lifestyle goals to growing your super and turning it into income, they break down what confidence in retirement looks like in practice. 

With so many Australians unsure if they are on track, this conversation cuts through the noise and explains how your super, investments and decisions evolve as you move through different life stages. You will also hear why retirement is not a finish line, but the start of a new phase that can last decades. 

Tune in to learn about the following topics: 

2.08 - Planning for retirement 

3:43 - Retirement projection calculator 

5:55 - Adding money into super 

6:17 - Salary sacrifice 

6:50 - After-tax contributions 

8:08 - How your super is invested 

11:14 - Accessing my retirement savings 

12:02 - Retirement income account 

13:40 - Thriving in retirement 

Whether you are planning ahead or getting closer to retirement, this episode will help you understand your next steps with more clarity and confidence. 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader, Key Client Education, ART 

Kane Everingham – Team Leader, Education Delivery, ART 

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. 

Should you pay off your mortgage or boost your super? 

If you suddenly had an extra $10,000, would you use it to cut your home loan or invest it for retirement? It’s one of the biggest money decisions Australians face. With higher living costs and rising interest rates, it can be hard to know which choice is best. 

In this Super Insider episode, Anne Fuchs and financial adviser Brad Monk unpack the real trade‑offs between paying off debt and growing your super. You’ll hear how tax benefits, compound growth and life stage all play a role - and why the right answer isn’t always about numbers alone. 

Whether you want to ease money stress, plan for a comfortable retirement or simply make a smarter move with your savings, this episode brings clarity and confidence. 

Tune in to learn: 

1:24 - How mortgage rates impact retirement savings 

3:46 - How younger Australians view retirement differently 

5:49 - What makes super so tax effective 

8:50 - Why life stage changes everything 

9:58 - What to consider before boosting super 

14:26 - Why emotional money decisions matter 

14:40 - How financial advice can build confidence

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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 – Executive General Manager of Advocacy and Impact, ART 

Brad Monk – Director, Aged Care Specialist Senior Financial Planner, LifePath Financial Planning 

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

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

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

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

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

Ever thought, “Am I really ready for retirement?” 

It’s easy to focus on the end goal, but what really matters is what you’re doing along the way. In this episode, Josh and Ruth unpack how your super, investments and financial decisions evolve over time and what you should be paying attention to at every stage. 

From your early super decisions to the choices you make closer to retirement, this episode shows how your strategy should evolve with you. You’ll also learn how key milestones, shifting priorities and unexpected moments can shape your financial future and how to stay on track through it all. 

Tune in to learn: 

01:04 - What a retirement roadmap really is 

02:20 - How contributions change over time 

06:11 - Why investments matter more long-term 

07:30 - When to review your super strategy 

14:43 - What ages 60, 65, 67 unlock 

20:30 - How to transition into retirement smoothly 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader – Key Client Education, ART 

Want to pay less tax and grow your retirement savings at the same time? 👀 

In this episode of Super Insider, our host Anne Fuchs sits down with Education specialist Kane Everingham to break down simple, practical tax strategies you can actually use - whether you’re a last-minute planner or someone who likes to stay ahead. 

From quick wins before 30 June to smarter long-term habits, this episode is packed with tips to help you make the most of your money, now and into retirement. 

The difference between paying more tax or making smarter moves often comes down to what you know and when you act. 

Tune in to learn: 

01:46 - How to lower your tax before 30 June using super 

03:15 - What last-minute moves can you make 

07:24 - How salary sacrificing reduces your tax over time 

10:23 - What contribution limits mean (and how to use them) 

12:28 - Helpful tools to assist with planning 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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 – Executive General Manager, Advocacy and Impact, ART 

Kane Everingham – Team Leader, Education Delivery, ART 

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. 

Think you’ll automatically get the Age Pension at 67? Not quite. 

The reality is a little more complex but understanding how the Age Pension works early could make a real difference to your retirement.  

In this episode of Super Insider, our Education experts Josh and Ruth unpack the Age Pension in Australia - what it is, who qualifies, and how it could fit into your retirement plan. 

From common misconceptions to practical strategies, this episode gives you tips and insights about the Age Pension and confidence to take control of your next chapter. 

Tune in to learn: 

01:36 - What the Age Pension is and how it works 

04:04 - Why not everyone receives the full Age Pension 

05:32 - How income and assets impact your eligibility 

09:24 - What strategies could help you qualify for more 

11:34 - How deeming rates and market changes affect your payments 

13:47 - When and how to apply  

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader – Key Client Education, ART 

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

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

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

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

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

Ever feel like you’re being pulled in every direction - supporting ageing parents, helping your kids get ahead, managing work and life, all while trying to plan your own future? 

You might be part of the sandwich generation. 

In this episode of Super Insider, our Education experts Josh van Gestel and Ruth Weaver unpack the real pressures facing many Gen X Australians today. This honest conversation explores why this stage of life can feel overwhelming and why it might actually be the most important time to focus on your own financial future. 

If you're juggling family responsibilities and wondering whether you're doing enough with your super, this episode offers practical insights to help you take back control.  

Supporting others is part of life for many Australians but as Ruth puts it in this episode, “it is time to put yourself first.” The decisions you make today could make a meaningful difference to your future retirement. 

Tune in to learn: 

00:54 - What it means to be part of the sandwich generation 

07:13 - Why your 40s and 50s are critical for super planning 

11:03 - What simple actions can improve your retirement outlook 

12:32 - How retirement forecasting helps you understand your super 

13:14 - How extra super contributions can compound over time 

16:09 - Why reviewing your super investment strategy matters 

19:11 - How inheritance and estate planning fit into retirement planning  

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator 

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

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

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CREDITS      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader – Key Client Education, ART 

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.