Have you ever wondered how investment decisions are made? Or how investment performance can affect retirement outcomes? In this episode host Shane Hancock chats to Head of Portfolio Construction Justine O’Connell. They discuss the process of investing members’ money, different types of assets, the impact of scale and active management as well as the importance of taking a long-term view. 

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story 

To find out more about AustralianSuper visit australiansuper.com

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns. APRA Quarterly superannuation fund level statistics June 2025. Released 9 September 2025.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

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Arriving in Australia 60 years ago, David walked into a job at Ford, ultimately rising to senior management before his first retirement. A second career beckoned in automotive technology research for the CSIRO, followed by another retirement stint. Finally, he embarked on a third career as an English teacher to medical professionals. David’s significant life experience has seen him living and working through recessions and other significant milestones. Having worked well into his 70s, today he’s a content self-funded retiree with many life lessons to share.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story  

To find out more about AustralianSuper visit australiansuper.com 

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.  AustralianSuper membership data as at 30 June 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898. 

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Do you know what happens to your super if you die? This is a common question from members, and while talking about death is never an easy topic, it’s an important conversation to be having. Host Shane Hancock chats to Education Manager Jaclyn Livingstone about whether super is covered by your will, the process of choosing a beneficiary and what else you should be aware of.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story 

To find out more about AustralianSuper visit australiansuper.com 

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Lisa isn’t quite ready to fully retire, but knows she’s in a great place when the time comes. A designer and creative, she’s recently made the choice to reduce her hours, but not her enjoyment with creative work. Meeting with a financial adviser has helped her better understand spending habits and how to design the retirement she wants, which she plans to fill with sculpture, writing scripts and music festivals.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.2 million members as at 30 June 2023. 

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898. 

See omnystudio.com/listener for privacy information.

Do you know when you can access your super? Host Shane Hancock talks to Education Manager Peter Treseder about what to be aware of when it comes to accessing your super – from age requirements through to some of the options you could choose from to help manage your money in retirement.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Some personal advice may attract a fee, which would be outlined before any work is completed and is subject to your agreement. With your approval, the fee for advice relating to your AustralianSuper account may be deducted from your AustralianSuper account subject to eligibility criteria.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

We usually think of super for our retirement, but in Andrea’s case it was literally a lifesaver. Andrea’s super helped with her medical bills, giving her the chance to recover as she fought cancer. Today she’s still living with cancer but considers herself one of the lucky ones. But that’s just part of her remarkable story. Hear how this former fashion retailer with no super eventually became a local council mayor and remained positive in the face of several personal challenges along the way to retirement.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

AustralianSuper has 3.1 million members as at 31 March 2023

See omnystudio.com/listener for privacy information.

Shane sits down with Financial Planner Dale Barratt to talk through the reasons why someone might need to start or continue receiving financial advice during their retirement years. From changes to your situation, to considering social security benefits, there are lots of reasons why advice could help after you’ve retired.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about advice services is in the relevant Financial Services Guide, available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

After a series of events, Debra made the decision to retire and hasn’t looked back since. She doesn’t know how she managed to fit in work now that she has such a full and busy retirement. Hear how Debra has settled into retirement and her plans for the future. 

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Ever wondered what happens to your super if you get made redundant from your job? Host Shane Hancock chats with Financial Planning Manager Natashya Vikram about how you could manage your super if you’re affected by redundancy. 

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about advice services is in the relevant Financial Services Guide, available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

Source: AustralianSuper has 3.1 million members as at 31 March 2023.

See omnystudio.com/listener for privacy information.

Eric was made redundant in his 50s. And then he was made redundant again four years later. After the second time, he decided it was time to retire and focus on what makes him happiest. Best of all, he’d saved up enough super over the years to ensure he could retire comfortably, play more golf, and go on European holidays with his wife.

Hear about the steps Eric and his wife took to achieve financial freedom in retirement.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

AustralianSuper members as at December 2022.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice. 

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.