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:  

#Superannution #Retirement #Super 

IF YOU LIKED THIS EPISODE YOU MAY LIKE:  

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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  

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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 [email protected]                                                                             

CREDITS:  

Host: Joshua van Gestel, Australian Retirement Trust Senior Manager, Education  

Guest: Ruth Weaver, Australian Retirement Trust Education Manager  

Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. 

This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  

Before you consolidate your super, please consider if the timing is right to bring your super together, and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications. 

Past performance is not a reliable indicator of future performance. 

Investment Trends 2022 Super Member Engagement Report, page 107 

2. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2022. 

3. Superannuation: Assessing Efficiency and Competitiveness report 2018 Productivity Commission

Get ready for the end of the financial year with Super Insider. Host Anne Fuchs and guest Steven Fehring share some great ways you could grow your superannuation and save on tax. Here’s a sneak peek of what you’ll learn: 

Remember, the more you know about superannuation, the more you can plan for your future. Subscribe to Super Insider now. 

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FOLLOW SUPER INSIDER:

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

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

GET IN TOUCH:

We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.

Guest: Steven Fehring, Australian Retirement Trust Member Education Officer

Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.

This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

Marginal tax rates in this episode include the medicare levy of 2%. Tax rates may change in the future. See ato.gov.au for more information.

Contribution rules and limits may change in the future. Eligibility and conditions apply. See ato.gov.au for more information.

In this special episode we shed light on the importance of women taking control of their financial futures and superannuation. From practical tips like consolidating superannuation funds and maximising contributions, to navigating life events such as transitioning to retirement, this episode shares details to make informed decisions about your financial future.

Join the conversation as we encourage women to prioritise their financial security and inspire confidence in achieving retirement goals. Subscribe to Super Insider now and start your journey towards financial freedom.

#Superannuation #Retirement #Super

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

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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 [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guests: Ronda Lewis, Australian Retirement Trust Member Education Officer

Tara Richards, Australian Retirement Trust Team Leader, Advice Delivery

Before you consolidate check if you’ll lose benefits like insurance or pension options before you rollover super to the one fund. Or if there are any tax impacts.

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.

The economic landscape will keep shifting this year according to many experts. Super Insider is here to help make sense of it all and what it may mean for you. Join us as we tap into the expertise of our Chief Economist Brian Parker, as he tackles questions like:

· How is the economic cycle changing?

· Will we see an end to the global supply chain disruptions?

· What’s the future for inflation and interest rates?

Get set for an insightful chat about Australia’s economic outlook for the year ahead.

#Superannuation #Retirement #Super

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

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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 [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guest: Brian Parker, Australian Retirement Trust Chief Economist 

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.

Retirement is a phase of life that many of us eagerly look forward to. It’s a time to slow down, relax, and pursue our passions. But with the rising cost of living, it’s essential to make sure that our retirement savings can fund the life we’ve been dreaming about. In the second instalment of our new Q&A series, Australian Retirement Trust Member Education teammates April Smith and Kane Everingham answer our top 10 most asked retirement questions and provide valuable insights and tips to help you retire well with confidence.

So, whether you’re just starting to plan for retirement, or already in the thick of it, watch or listen now to learn how to make the most of your super and enjoy the retirement you deserve.

#Superannuation #Retirement #Super

QUESTIONS

1:40 What age can I retire?

3:33 How much super do I need to retire?

7:23 How do I know if I’m on track?

9:33 What can I do if I’m not on track?

9:40 What are some ways I can grow my super?

10:53 What rules are there for accessing your super?

12:21 Should I fully retire or semi-retire?

14:25 How does a transition to retirement account work?

15:47 What’s a transition to retirement strategy?

17:02 Is it easy to plan your retirement yourself?

18:28 (Bonus question) Where to next?

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

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

GET IN TOUCH:

We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guests: April Smith, Member Education Officer

Kane Everingham, Team Leader Member Education

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.

If you’re thinking about opening a self-managed super fund (SMSF), check out this episode to learn some common SMSF misconceptions and how the product compares against regular superannuation funds. During the episode our host, Anne Fuchs and Australian Retirement Trust National Education Manager, Joshua van Gestel discuss:

• some of the differences between a SMSF and a regular super fund

• potential costs and work involved with a SMSF

• considerations of a SMSF

• benefits of a regular super fund

#Superannuation #Retirement #Super

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

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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 [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guests: Joshua van Gestel, Australian Retirement Trust National 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.

We have a new addition to Super Insider: our new Q&A episodes. These quick-fire sessions answer our most frequently asked questions and share practical tips and insider knowledge to help you get the most from your superannuation.

#Superannuation #Retirement #Super

QUESTIONS

0:01:39 How does superannuation work?

0:04:01 What are the benefits of combining my super?

0:05:36 How can I compare super funds?

0:09:22 How do I choose the right investment option?

0:11:50 When is preservation age and when can I access my super?

0:13:24 What happens to my super when I die?

0:15:27 How and how often should I be engaging with my super?

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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 [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guests: April Smith, Member Education Officer

Kane Everingham, Team Leader Member Education

Before you consolidate your super, please consider if the timing is right and if you will lose benefits such as insurance or pension options, or if there are any tax implications.

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.

A lot has happened on the global stage since our host, Anne Fuchs, and Chief Economist Brian Parker caught up in August. In this episode, Anne and Brian examine how geopolitical conflicts could affect world economies, the future of inflation and interest rates, and the importance of making informed investment decisions during market fluctuations. Stay informed with this must-listen episode.

#Superannuation #Retirement #Super

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

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

GET IN TOUCH:

We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guest: Brian Parker, Australian Retirement Trust Chief Economist

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.

It’s no secret that the internet has revolutionised the way we handle our finances, but it’s also opened the door to scams and fraudulent activities. And when it comes to our hard-earned retirement savings, most of us can’t afford to take any chances. In this episode, join our host Anne Fuchs and Australian Retirement Trust’s Manager of Financial Crimes, Rebecca Mallett and Chief Technology Officer Rod Greenaway as they discuss financial scams, how to spot them and how to keep your superannuation investment and information safe.

#Superannuation #Retirement #Super

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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 [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guest speakers: Australian Retirement Trust Manager of Financial Crimes, Rebecca Mallet, and Chief Technology Officer Rod Greenaway.

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.

Retirement is a major milestone in most people’s lives. But making sure that our money lasts throughout retirement can be a worry, and sometimes even a challenge. Don’t miss Australian Retirement Trust’s Senior Manager of Advice Delivery, Luke Caruana in conversation with host Anne Fuchs as they discuss how much superannuation is needed to retire comfortably, options for accessing your super in retirement and what you can do to help make your super last.

#Superannuation #Retirement #Super

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

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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 [email protected]

CREDITS:

Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education

Guest: Luke Caruana, Australian Retirement Trust Senior Manager of Advice Delivery

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.

Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees, costs, and taxes (where applicable). For performance details, please see more information here: Investment performance. Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding. 

Taxes may be payable in foreign countries in respect of income derived from non-Australian investment earnings, and a penalty tax on notional earnings may apply if you have a high total balance in one or more superannuation retirement pensions.