Running a business without being run off your feet is anything but easy. So, in this episode, we’re here to help make the super part as simple as we can. Whether you’re bringing on your first staff member, or getting ready for Payday Super, this episode is here to help prime you for how super works with business.

Web hub: https://rest.com.au/employer/resources/business-help-centre

Contact us: https://rest.com.au/employer/why-choose-rest/talk-to-us

Webpage: https://www.ato.gov.au/calculators-and-tools/super-guarantee-eligibility

Online course: https://www.ato.gov.au/businesses-and-organisations/super-for-employers/super-guarantee-employer-obligations-online-course

Article: https://rest.com.au/super/learn/employment/self-employed-and-sole-traders

Article: https://rest.com.au/tools-advice/learning-centre/super-tips/payday-super

Disclaimer:

Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. 

Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you and speak with a licensed financial adviser. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds . 

Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services.

See omnystudio.com/listener for privacy information.

Cue up some smooth R&B, grab yourself a glass of red and dim the lights because tonight, we’re talking superannuation and relationships. From date night conversation starters, to the spicier topics like divorce – this episode is going to cover all the details of super and love.

Webpage: https://rest.com.au/super/grow-my-super/spouse-contributions

Article: https://rest.com.au/super/learn/life-events/divorce

Podcast: https://rest.com.au/super/learn/podcasts

Retirement Session: https://rest.com.au/tools-advice/learning-centre/seminars-webinars

Disclaimer:

Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional.

Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds

Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services.

See omnystudio.com/listener for privacy information.

Worried you won’t have enough super in retirement? Don’t panic! That’s where the government’s age pension may help. In this episode we look at how the government age pension works, how your super affects it, and the kinds of things you need to do to start receiving payments.

Show notes

Retirement Session: https://rest.com.au/tools-advice/learning-centre/seminars-webinars

Calculator: https://rest.com.au/tools-advice/tools/calculators/budget

Digital advice: https://rest.com.au/tools-advice/advice/retirement-health-check

Phone advice: https://rest.com.au/tools-advice/advice/advice-phone-form

Webpage: https://rest.com.au/retirement/options

Webpage: https://rest.com.au/retirement/learn/simplifying-age-pension-application

Article: https://rest.com.au/retirement/learn/super-and-age-pension

Disclaimer

Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional.

Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at https://rest.com.au/tools-advice/resources/pds

Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services.

See omnystudio.com/listener for privacy information.

Retirement. It’s all put under this one big label. But scratch the surface and you’ll find there’s a lot more to life’s twilight years than you may realise. Every decade our spending, lifestyles, and needs change. So how do you plan for such a gigantic undertaking? In this episode, we sit down with Rest expert, Pete, and break down the three major stages of retirement – showing you how to prepare for life’s grand finale.

Show notes

Calculator: https://rest.com.au/tools-advice/tools/calculators/budget

Article: https://rest.com.au/tools-advice/learning-centre/super-tips/retirement-planning-checklist

Digital advice: https://rest.com.au/tools-advice/advice/retirement-health-check

Phone advice: https://rest.com.au/tools-advice/advice/advice-phone-form

Article: https://rest.com.au/super/grow-my-super/downsizer-contributions

Disclaimer

Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at https://rest.com.au/tools-advice/resources/pds

Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services.

See omnystudio.com/listener for privacy information.

That’s it! We’ve had enough of the fake super news! Today, Ange, Andy and Sam are fact-checking the sceptics and setting things straight. How do you find out how much super you have? And where do your super fees go? Find out in this episode of the podcast.

Podcast: Episode 1: Super 101: What is super and how does it work

Article: What is super? How does it work?

Article: Early access to super: Financial Hardship

Download: Get the Rest app to check your balance

Webpage: An overview of Rest’s fees

Disclaimer:

Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds

See omnystudio.com/listener for privacy information.

Ange and Andy sit down with Sam from Rest to break down what happens to super after you pass away. Learn what a beneficiary is, the different types of nominations you can make, and how you might give the right people the best possible chance of claiming your super when you go.

Nominating a beneficiary with Rest: https://rest.com.au/super/manage-my-super/nominating-a-beneficiary What happens to super when you die: https://rest.com.au/super/learn/life-events/super-when-you-die Make your binding death benefit nomination: https://rest.com.au/rest_web/media/documents/tools-advice/resources/forms/nom-of-beneficiaries-super-webs.pdf

Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services.

See omnystudio.com/listener for privacy information.

Curious how having a baby can impact your or your spouse's super? It’s time to baby-proof your future finances in episode five of the Super Simple Chats podcast.

 

Sarah O’Brien is back to talk to Ange and Alex about how having a baby impacts your super. Plus, you’ll learn different ways to bridge the gap between men and women’s super balances.

 

Links:

Gender Super Gap - https://rest.com.au/super/understanding-super/women-and-super

Right Lane Forces at Work Report - https://www.rightlane.com.au/industry-superannuation-report/

Women in Super - https://www.womeninsuper.com.au/

Homelessness & Women - https://ownnsw.org.au/our-work/homelessness/

Super on Parental Leave Pay - https://rest.com.au/why-rest/about-rest/news/super-on-parental-leave-pay-win-for-equity

Gender segregation in the workforce - https://www.wgea.gov.au/publications/gender-segregation-in-australias-workforce

 

Disclaimer:

Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at http://rest.com.au/pds

 

The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at http://rest.com.au/contact-us

See omnystudio.com/listener for privacy information.

Think your super is just a nest egg? Think again. Join Ange and Alex as they discuss the often-overlooked world of insurance in super with Bart Healy from Rest. From life insurance through to income protection, learn why having insurance through super could be a secret weapon if the worst were to occur. 

 

Insurance explained - https://rest.com.au/insurance/understanding-insurance

ATO: Lost & unclaimed super figures - https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/super-accounts-data/super-data-lost-unclaimed-multiple-accounts-and-consolidations/trend-towards-single-accounts

ASIC MoneySmart Life Insurance Claims Comparison Tool - https://moneysmart.gov.au/how-life-insurance-works/life-insurance-claims-comparison-tool

ATO: Multiple super accounts statistics - https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/super-accounts-data/super-data-lost-unclaimed-multiple-accounts-and-consolidations/trend-towards-single-accounts

Income protection statistics for mental health - https://www.tal.com.au/claims/claims-paid

 

Disclaimer:

Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional.

Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at http://rest.com.au/pds

The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at http://rest.com.au/contact-us

Rest Advice is provided by Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145 (Link Advice). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Link Advice. Rest Digital Advice is provided by Link Advice. Rest Advice may be accessed by members without incurring additional fees for simple advice. An advice fee may be payable for complex advice. You should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services. 

See omnystudio.com/listener for privacy information.

Discover how to romance your super with Ange and Alex, as they chat with Matt Balderson from Rest about the five love languages of superannuation: quality time, acts of service, physical touch (hello, app downloads!), words of affirmation, and receiving gifts (in the form of contributions). Swipe right on your super.

Personal super contributions - https://rest.com.au/super/grow-my-super/personal-contributions

ATO estimate my super tool - https://www.ato.gov.au/calculators-and-tools/super-estimate-my-super

Government Co-Contribution Scheme - https://rest.com.au/super/grow-my-super/government-co-contributions

LISTO explained - https://rest.com.au/super/grow-my-super/listo

 

Disclaimer:

Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional.

Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at http://rest.com.au/pds

The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at http://rest.com.au/contact-us

See omnystudio.com/listener for privacy information.

Ever wondered where the myth of needing $1 million in super comes from? Join Alex and Ange as they talk to Sarah O’Brien and Matt Balderson from Rest to look at how much everyday Aussies might need to retire.

Learn more about: ASFA Retirement Standard |

How much super should I have? |

Rest Advice |

Retirement Budget Calculator

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Download the  Rest App

Disclaimer:

Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds.  
 
The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us 

See omnystudio.com/listener for privacy information.