Super Insider

By: Australian Retirement Trust
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  • Summary

  • Your superannuation is key to achieving your best retirement – so how do you make the most of it? Don’t miss Australian Retirement Trust’s Super Insider podcast – your guide to superannuation, planning for retirement, and what the economy and investment markets mean for your super from those in the know. Join host Anne Fuchs, Australian Retirement Trust's Executive General Manager of Advice, Guidance and Education, as she interviews superannuation and investment experts to bring you exclusive insights, tips and strategies to help you make the right choices today and feel confident about the future. 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 podcast@art.com.au 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.
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Economics Personal Finance
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Episodes
  • Age Pension expert Q&A - rules, common mistakes & how to qualify (Australia)

    Age Pension expert Q&A - rules, common mistakes & how to qualify (Australia)
    Dec 18 2024
    Our first Age Pension episode was a massive hit so we’re back with a second instalment. In this episode of Super Insider, Age Pension expert Justin Bott from Services Australia returns, this time with ART’s Education Team Leader, Kane Everingham. Together, they tackle some of the most common – and misunderstood – questions about the Age Pension. You’ll hear simple answers about who qualifies, what the income and asset tests involve, and how you can keep more money in your pocket. 00:00 Age Pension Q&A: What you need to know 02:06 What’s the Age Pension? 02:41 Who is eligible for the Age Pension? 03:24 What are the income and assets tests? 05:35 Can I earn an income and still get a pension? 07:51 What happens if I apply for Age Pension before my partner? 09:11 How does my super impact my pension? 09:44 What’s a deemed financial asset? 12:45 How does lump sum super withdrawals affect the Age Pension?? 14:50 What are some common misunderstandings about the Age Pension? 17:12 Does home ownership change my Age Pension eligibility? 19:10 Can I downsize my home and get the Age Pension? 20:41 Does receiving an inheritance affect my pension? 24:10 Can I gift money or assets without it affecting my pension? 27:40 Can I loan money while receiving Age Pension? 28:45 When’s the best time to apply for the Age Pension? 29:55 What do I need to apply for the Age Pension? If you’re confused about how the Age Pension works, wondering if you’re eligible, or want to know how your super and other assets could affect your payments, we’ve made this episode for you. Jump in and listen now. 🎧 Enjoyed the episode? Don’t forget to: 💙 Subscribe for regular updates Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 😎 Share this episode with a friend who needs to hear it! ❓ Drop us your questions in the comments or at podcast@art.com.au – we’d love to hear from you. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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    32 mins
  • The future of super: The next big steps for the industry

    The future of super: The next big steps for the industry
    Dec 9 2024
    Superannuation is one of the best tools we have to plan for the future. It helps us save for retirement and gives everyday Australians a chance to invest and grow their money over time. In this episode, Anne Fuchs chats with Misha Schubert, the CEO of the Super Members Council (SMC), about how super has completely changed retirement for Australians. They’ll also cover a few easy steps you can take right now to help you get more out of your super. Here’s what you’ll learn: · How super can make saving for retirement less stressful · What the gender super gap is, why it happens, and how we can fix it · Simple tips to combine your accounts and grow your balance faster · Why unpaid super affects millions of workers—and how to make sure you get what’s owed to you This episode is full of practical tips, expert advice, and ideas to help you create a more secure retirement. Don’t wait—tune in now and take control of your super! 🌟 Enjoyed this episode? Don’t forget to: 💙 Subscribe for regular insights Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 😎 Share this episode with a friend who needs to hear it! ❓ Drop us your questions in the comments or at podcast@art.com.au - we’d love to hear from you. RECOMMENDATIONS How super works What is superannuation? IF YOU LIKED THIS EPISODE YOU MAY LIKE Super 101 – your questions answered Our top 10 retirement questions answered CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Mischa Schubert, Chief Executive Officer, Super Members Council The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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    14 mins
  • What to do if you’re facing an unplanned retirement

    What to do if you’re facing an unplanned retirement
    Dec 1 2024
    Have you ever considered what would happen if you were forced to retire earlier than planned? Whether due to illness, injury, or job loss, unplanned retirement can make a big change to your financial future. In this episode, Anne and Josh dive into practical ways you can manage if you suddenly face retirement. They unpack key questions like: How to assess your situation Steps you can take to get on track Options to access your super How to better prepare now If you’re worried about a sudden retirement, or want to be better prepared, listen in to the episode and check your super balance today. And remember, getting personal financial advice can make all the difference. If you’re a member with us, advice about your super account is included in your membership1. Tune into Super Insider now to find out how you can turn life’s unexpected challenges into opportunities for a secure retirement. FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO RECOMMENDATIONS  Insurance cover in your super What is a downsizer contribution? IF YOU LIKED THIS EPISODE YOU MAY LIKE  Making your money last through retirement Income in retirement - how to access your superannuation Is financial advice worth it? WE’D LOVE TO HEAR FROM YOU!   If you found this episode helpful, drop us a comment and let us know the topics or questions you’d like us to cover next. Or email us at podcast@art.com.au. Thank you!      CREDITS   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Joshua van Gestel, Australian Retirement Trust Senior Manager Education Delivery 1.Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd ABN 50 087 154 818, AFSL 227867 (SFS) or QInvest Limited ABN 35 063 511 580, AFSL 238274 (QInvest), both wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS and QInvest are separate legal entities responsible for the financial services they provide. Eligibility conditions apply. Refer to the Financial Service Guide available at art.com.au/fsg for Super Savings and qsuper.com.au/disclosure for QSuper. You can find out more about your advice options at art.com.au/advice for Super Savings and for QSuper at qsuper.qld.gov.au/advice. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2023. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.   This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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    17 mins

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