Super Simple Chats

Rest Super

Your super doesn’t have to be a ‘future-you’ problem. Dive into the not-so-scary world of super as we get together and chat with some of Rest’s experts. Tune in as they help demystify super and break it down in plain English – all without any boring stuff.

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  1. Super for business explained

    9월 4일

    Super for business explained

    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.

    25분
  2. The truth about super and love

    8월 28일

    The truth about super and love

    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.

    25분
  3. Retirement’s dream team: Super and the government age pension

    8월 21일

    Retirement’s dream team: Super and the government age pension

    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.

    24분
  4. Start planning your perfect retirement in three simple steps

    8월 15일

    Start planning your perfect retirement in three simple steps

    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.

    23분
  5. Beneficiaries: Who gets your super when you die?

    7월 30일

    Beneficiaries: Who gets your super when you die?

    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.

    15분
  6. Super and having a baby

    2024. 12. 10.

    Super and having a baby

    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.

    23분
  7. Insurance through super

    2024. 12. 03.

    Insurance through super

    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.

    26분
  8. What’s your super love language?

    2024. 11. 26.

    What’s your super love language?

    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.

    19분
  9. The myth of $1m in super

    2024. 11. 19.

    The myth of $1m in super

    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 --- 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.

    23분
  10. Super 101: What is super and how does it work?

    2024. 11. 08.

    Super 101: What is super and how does it work?

    Ange and Alex sit down with Matt Balderson from Rest to break down what super is and why young people should care about it. Learn all about how you get paid super, the magic of compound interest, and why starting early might lead to a bigger retirement nest egg - even if it seems like light years away.  --- Links Super guarantee rate   YourSuper comparison tool   Super stapling   Consolidating your super   Download the Rest App   --- Disclaimer Before combining your super, consider which fund is right for you. Check out the fees and costs of your funds plus any benefits that would be lost, such as insurance cover. Make sure your other fund(s) knows about any contributions you intend to claim a tax deduction for, before combining your super. If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website for more information. 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.

    18분

소개

Your super doesn’t have to be a ‘future-you’ problem. Dive into the not-so-scary world of super as we get together and chat with some of Rest’s experts. Tune in as they help demystify super and break it down in plain English – all without any boring stuff.

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