Episodes

  • 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
    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
    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
  • Exclusive Q&A with ART’s Chief Investment Officer – How we invest $300 billion in superannuation
    Nov 10 2024
    In the lead up to our Annual Members’ Meeting this month host Anne Fuchs sits down with ART's Chief Investment Officer, Ian Patrick, to answer questions about how members’ super is invested. Managing billions of dollars in assets is no small talk, and Ian reveals the careful decisions ART makes to protect members’ financial wellbeing and deliver long-term returns. They cover everything from responsible environmental, social and governance (ESG) investing to managing risk when the markets get rocky. All while keeping one goal in mind – helping our members achieve their best retirement. Here are the specifics: 00:00 How we invest $300 billion 02:06 What does great investing look like? 05:40 Why have returns differed between QSuper and Super Savings? 07:43 What other asset classes are driving returns? 09:08 What is the default investment strategy for retired members? 11:17 What’s ART’s approach to environmental, social and governance (ESG) investing? 14:47 What’s ART’s strategy around investing in gold? 15:57 What is ART doing to protect members’ money? 17:38 How does ART protect against currency movements? 19:27 What’s ART’s role in supporting Australia’s social responsibilities? This episode simplifies investment strategies, showing how ART protects and grows money. Whether you’re a member with us, or considering switching, it’s a must-listen to learn more about our strategic future focus. Stay updated with the latest episodes. Subscribe to Super Insider wherever you get your podcasts. And never miss an episode as we help you get the most from your super. FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...   RECOMMENDATIONS  Investing in super https://www.australianretirementtrust.com.au/investments/options Sustainable investing https://www.australianretirementtrust.com.au/investments/how-we-invest/sustainable-investing https://www.australianretirementtrust.com.au/investments/how-we-invest/sustainable-investing IF YOU LIKED THIS EPISODE YOU MAY LIKE  The strategy behind super returns Our top 10 retirement questions answered WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!   CREDITS   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Ian Patrick, Australian Retirement Trust Chief Investment Officer Past performance is not a reliable indication of future performance. 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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    23 mins
  • Game-changing superannuation tips for couples
    Nov 3 2024
    Are you looking forward to your retirement? If you’re part of a couple, sharing your superannuation could be a game-changer, with potential tax benefits and earlier access to funds. Which means you may be able to retire sooner. It’s an exciting opportunity to improve your lifestyle in retirement. If you tick all the boxes for the ATO to call you a ‘spouse’, you and your partner can share money in your super accounts. Listen in and you’ll learn: 01:33 Why can’t my spouse and I have one combined super account? 02:35 What are the benefits of sharing super? 03:40 What is a spouse contribution? 04:34 How does spouse super splitting work? 05:13 How much super can I share? 06:32 Super sharing strategies 08:23 Maximising Age Pension, if you have an age gap 09:33 Transfer balance cap strategies 10:49 Carry-forward rule strategies 12:10 Recontribution strategies 13:10 What happens to my super if I separate or divorce? Jump in and listen now. But just before you do, we’d love to invite you into our Super Insider community. Subscribing to Super Insider today means you’ll never miss an episode. And it’ll help us make the podcast even more valuable for you. The links to subscribe are below ⬇️⬇️. We hope you enjoy the episode. FOLLOW SUPER INSIDER Spotify - https://open.spotify.com/show/1aXYHWZ... Apple Podcasts - https://podcasts.apple.com/au/podcast... RECOMMENDATIONS Spouse Contributions https://www.australianretirementtrust.com.au/superannuation/contributions/voluntary/spouse Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you IF YOU LIKED THIS EPISODE YOU MAY LIKE How much super you need to retire. And how to get it. https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3 Super contribution strategies https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-23 WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS  Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education April Smith, Education Specialist Kane Everingham, Team Leader Education Delivery 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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    16 mins
  • Expert insights: superannuation and investment returns
    Oct 20 2024
    Investing isn’t just about following the market – it’s about having the ability to make the right calls. In this episode, we bring you an inside look at the investment expertise that drives returns for your superannuation savings. Our Head of Investment Strategy, Andrew Fisher, explains how his team builds portfolios that aim to grow retirement savings while managing risk. And how expert decision–making and market insights come together to make sure your retirement savings are working hard for your future. You’ll learn: ✅ How our investment team craft diverse portfolios designed to grow your super over the long term ✅ The strategic choices behind our recent investment returns ✅ How we seek to stay ahead of market changes to maximise opportunities for our members. Whether you’re a member with us, or simply curious about how super funds invest, this episode gives you practical insights into the strategies that aim to grow superannuation savings. Join us and be part of a community that’s focussed on helping you retire well with confidence. Subscribe to Super Insider now by using links below ⬇️.  FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...   RECOMMENDATIONS  Choosing the right investments for you Australian Retirement Trust new investment options IF YOU LIKED THIS EPISODE YOU MAY LIKE  Invest smarter: Risk vs. returns in superannuation   WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!     CREDITS   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Andrew Fisher, Australian Retirement Trust Head of Investment Strategy Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals. 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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    18 mins
  • Ready to retire? Understand your superannuation options at retirement
    Oct 7 2024
    Do you know how you’ll set up your finances once you’ve stopped working full time? If you want to understand your options at retirement and how to access your super, this Super Insider episode has been made for you. It’s one of our popular Q&A sessions where we unpack how to plan for the lifestyle you’ve worked your whole life for. We cover some of our most frequently asked questions like: 0:00 Ready to retire? 1:28 What's the age that I can retire? 3:47 What does preservation age mean? 5:03 How much should I aim to save before I retire? 8:49 How do I start using my super? 13:16 When can I access the Age Pension? 18:33 How will tax affect my income in retirement? 19:46 What's the downsizer super contribution? 22:31 What happens to my super when I pass away? Whether you’re winding down work, or are planning to retire soon, this is the episode that will keep you on track. Join our community of people keen to live their best retirement. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS For guidance on super balances and retirement planning How much super do I need? For information on Age Pension eligibility and rules Age Pension Services Australia IF YOU LIKED THIS EPISODE YOU MAY LIKE Transition to Retirement – your guide to accessing your super while still at work  What happens to super when you die? 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  Ruth Weaver, Australian Retirement Trust Education Manager Adele Fisk, Australian Retirement Trust Financial Adviser 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. Any information given by the guest speaker is provided as general information only and not financial advice.
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    26 mins
  • Age Pension Australia – understand the rules and how to qualify
    Sep 23 2024
    Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know. Tune in to learn: the rules for eligibility how Age Pension payments are calculated what income and assets are counted how to claim through Services Australia what to do if your circumstances change. Whether you’re close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence. FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ...    RECOMMENDATIONS   How the Age Pension and super work together How much Age Pension can you get? IF YOU LIKED THIS EPISODE YOU MAY LIKE   Income in retirement: how to access your superannuation Is financial advice worth it? WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!     CREDITS    Anne Fuchs, Australian Retirement Trust Executive General Manager Advice, Guidance and Education   Justin Bott, Services Australia Customer Information Officer   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. Any information given by the guest speaker is provided as general information only and not financial advice.  
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    20 mins