Super Insider Australian Retirement Trust

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:  

how to check your super is on track  

why it’s essential to understand your ‘super style’   

ways to unleash your super’s potential 

tools that can help you take the next steps with your super  


#Superannution #Retirement #Super 
IF YOU LIKED THIS EPISODE YOU MAY LIKE:  
Super 101: Your questions answered  
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  
  
RECOMMENDATIONS:  
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 podcast@art.com.au  
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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. Supe

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 super and save on tax. Here’s a sneak peek of what you’ll learn: 

why putting money into super could help you pay less tax 

what salary is sacrifice and how it works 

how to claim a tax deduction on personal super contributions 

Remember, the more you know about superannuation, the more you can plan for your future. Subscribe to Super Insider now. 
IF YOU LIKED THIS EPISODE YOU MAY LIKE:
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Australian Taxation Office - Caps, limits, and tax on super contributions
https://www.ato.gov.au/individuals-an...
https://www.ato.gov.au/individuals-an...
Money Smart – Tax and super
https://moneysmart.gov.au/how-super-w...
Australian Retirement Trust – Reportable super contributions
https://www.australianretirementtrust...

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 podcast@art.com.au
-------------------------------------------
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 super 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.

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.

IF YOU LIKED THIS EPISODE YOU MAY LIKE:
How to choose your super investment options
https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8
 
How much super you need to retire, and how to get it
https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3
 
RECOMMENDATIONS:
 
Australian Retirement Trust market update and news
https://www.australianretirementtrust.com.au/investments/market-watch
  
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 podcast@art.com.au
-------------------------------------------                                                                                       
CREDITS:
Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.
Guest: Brian Parker, Australian Retirement Trust Chief Economist

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. 
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? 

IF YOU LIKED THIS EPISODE, YOU MAY LIKE: 
Five easy ways to grow your super today 
How much super you need to retire – and how to get it 
Transition to retirement – your guide to accessing your super while still at work 

RECOMMENDATIONS: 
Association of Superannuation Funds of Australia Retirement Standard via SuperGuru.com.au 
Australian Retirement Trust Retirement Forecaster 
 
FOLLOW SUPER INSIDER on Apple Podcasts and Spotify 
 
GET IN TOUCH: 
We’d love your feedback for Super Insider including topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au                                      
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 
 
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. 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 super 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

IF YOU LIKED THIS EPISODE, YOU MAY LIKE:
How to choose your super investments
Can I use my super to buy a house?
 
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Self-managed super funds
What is a self-managed super fund?
Winding up an SMSF
 
FOLLOW SUPER INSIDER on Apple Podcasts and Spotify

GET IN TOUCH:
We’d love your feedback for Super Insider including topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au                                                   
CREDITS:
Host:   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.
Guest: Joshua van Gestel, Australian Retirement Trust National Education Manager
 
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. 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.