Advertise on podcast: Super Insider

Are you on track for retirement?  From finding lost super to seeing how small contributions could grow over time, the right tools can make your super feel a lot more tangible.   In this episode of Super Insider, ART Education experts Josh Van Gestel and Ruth Weaver unpack the digital tools and calculators that can help you make more informed super and retirement decisions at every stage of your journey.  Tune in to learn about the following topics: 01:53 - How the ART app can help you understand and manage your super  03:18 - How to find and combine your other super accounts  05:17 - How small contributions could potentially make a bigger difference over time  6:16 - What investment tools can help you feel more confident about where your super is invested  11:11 - How the retirement projection tool can show you what your future could look like  14:25 - How to compare super fund investment performance  17:14 - How to use retirement projections and the Age Pension to plan ahead   Your retirement might feel a long way off, but the decisions you make today can have a big impact on what it looks like.  💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au   Or check out our Retirement Calculator: https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.  Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader – Key Client Education, ART  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 advice or information only. It’s not based on your personal objectives, financial situation or needs. Think about your personal circumstances 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.  We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).   Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Australia is on the cusp of one of the biggest intergenerational wealth transfers in history, with an estimated $3.5 trillion expected to change hands over the next decade or two*.  In this episode of Super Insider, Anne Fuchs chats with Gemma Mitchell, co-host of the Australian Finance Podcast and Head of Education at Rask Media, about what the great wealth transfer could mean for younger generations and how you can navigate it.  From understanding your super as one of your biggest assets to making the most of an inheritance, they unpack the strategies, trade-offs and questions worth thinking about now.  Tune in to learn about the following topics: 01:30 - What the great wealth transfer could mean for Gen X and younger generations  03:36 - How to start building wealth by understanding the super you already have  08:28 - What a warm versus cold inheritance is  09:52 - How downsizing a home could create opportunities to build wealth in super  13:15 - What happens to your super when you die   18:20 - Why financial literacy and having the right foundations matter just as much as the money itself    Whether you’re building wealth, expecting an inheritance or helping your parents plan for the future, this episode gives you plenty to think about.    💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au   Or check out our Retirement Calculator: https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    *Source: Productivity Commission, August 2026    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager of Advocacy and Impact, ART  Gemma Mitchell – Head of Education & Co-Host of The Australian Finance Podcast, Rask Media   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 advice or information only. It’s not based on your personal objectives, financial situation or needs. Think about your personal circumstances 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.  We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Where does your super actually go once it’s invested?   Behind every super balance is a carefully constructed investment portfolio designed to help grow your retirement savings over the long term. But what goes into those decisions, and how do different asset classes work together through changing market conditions?     In this episode of Super Insider, our host and Executive General Manager of Advocacy and Impact Anne Fuchs is joined by our Chief Investment Officer Ian Patrick, General Manager of Mid Risk Assets & UK Michael Weaver, and General Manager of Growth Assets Elizabeth Kumaru for an in-depth look at your super in action.      From artificial intelligence and global shares to infrastructure, private assets and diversification, our investment experts explain what drove this year's performance, how ART manages risk through market volatility, and why a long-term focus continues to be one of the most powerful decisions you can make.    What you’ll learn:  How artificial intelligence shaped markets and super returns  Why diversification remains a core investing principle  What different asset classes contribute to your portfolio  How unlisted assets like airports, property and infrastructure support long-term returns  When to review your investment strategy  How global events and sustainability influence decisions  Where to find tools and support to make informed choices  Whether you're reviewing your investment option, curious about how your super is working for you, or want to feel more confident about your retirement savings, this episode is for you.    Super Insider isn’t just a podcast - it’s a trusted guide for our members, helping them feel informed and in control. Whether they’re a few years from retirement or just starting to plan, we’re giving them the knowledge they need in an easy, accessible way. Have you subscribed to Super Insider yet? If not, we’re on all the main platforms.     Tune in now and join the conversation!    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.   Past performance is not a reliable indicator of future performance.  This is general advice or information only. It’s not based on your personal objectives, financial situation or needs. Think about your personal circumstances 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.  We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).   Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

What happened to your super investments this financial year?     Despite global conflict, market volatility and economic uncertainty, many super funds delivered strong returns over the past financial year. So what happened and what does it mean for your retirement savings?     In this episode of Super Insider, Josh Van Gestel is joined by Australian Retirement Trust Chief Economist Brian Parker to unpack the biggest investment stories of the financial year. Together, they explain why markets proved more resilient than many expected, what drove investment performance, and why staying focused on the long term remains one of the most important decisions you can make as an investor.      Tune in to learn about the following topics:  01:42 How global events shaped investment markets over the past financial year  05:18 Why share markets delivered strong returns despite ongoing uncertainty  09:47 What artificial intelligence means for investment performance and future growth  13:25 Why diversification matters more than chasing market hype  17:03 How ART invests for the long term through market volatility  21:41 What investors should focus on in the year ahead  26:15 Where to find tools to help choose a suitable investment option    Whether you're checking your annual super performance or simply trying to make sense of the headlines, this conversation will help you understand what matters most and why keeping a long-term perspective is key.     This episode is designed to help you feel more confident about your retirement decisions, no matter where you are in your journey.    💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Brian Parker – Chief Economist, ART    Returns of 10.07% p.a over 10 years to 30 June 2026 are for the High Growth Option.     Past performance is not a reliable indicator of future performance. Returns are after investment fees and costs and transaction costs but before administration fees. The option was renamed from Growth to High Growth on 1 July 2024. Returns shown are for Sunsuper for Life Growth option to 28 February 2022, then ART Growth/High Growth up to 30 June 2026. Default option is Lifecycle Investment Strategy. Individual returns may vary.    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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     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.

These are the top retirement questions Australians are all asking right now.    In this Super Insider episode, ART education experts Josh Van Gestel, Ruth Weaver and Kane Everingham answer the most common (and sometimes unexpected) questions they hear from thousands of Australians across their Retirement Essentials sessions. From how much you need to retire, to when you can access your super, and what happens to your money when you pass away, this conversation brings clarity to the topics that matter most.     You will also hear practical guidance on Age Pension eligibility, tax in retirement, investment decisions, and whether self-managed super funds are really worth it as you approach retirement.    Tune in to learn about the following topics:  01:26 - How much you may need in retirement  02:09 - When you can access your super  03:57 - What age pension eligibility looks like  07:41 - Why super tax benefits matter at 60+  09:17 - How super is taxed after death  12:11 - Where retirement income can come from  14:01 - What to consider before DIY investing    This episode is designed to help you feel more confident about your retirement decisions, no matter where you are in your journey.    💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     Learn more about the Age Pension here: https://art.com.au/age-pension     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader, Key Client Education, ART  Kane Everingham – Team Leader, Education Delivery, ART    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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Is your super on track to fund the lifestyle you want in retirement?     In this Super Insider episode, our Education experts Joshua, Ruth and Kane walk you through ART’s Retirement Essentials education program: https://www.australianretirementtrust.com.au/advice/events-and-seminars      From planning your lifestyle goals to growing your super and turning it into income, they break down what confidence in retirement looks like in practice.     With so many Australians unsure if they are on track, this conversation cuts through the noise and explains how your super, investments and decisions evolve as you move through different life stages. You will also hear why retirement is not a finish line, but the start of a new phase that can last decades.    Tune in to learn about the following topics:  2.08 - Planning for retirement  3:43 - Retirement projection calculator  5:55 - Adding money into super  6:17 - Salary sacrifice  6:50 - After-tax contributions  8:08 - How your super is invested  11:14 - Accessing my retirement savings  12:02 - Retirement income account  13:40 - Thriving in retirement  Whether you are planning ahead or getting closer to retirement, this episode will help you understand your next steps with more clarity and confidence.    💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader, Key Client Education, ART  Kane Everingham – Team Leader, Education Delivery, ART  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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Should you pay off your mortgage or boost your super?    If you suddenly had an extra $10,000, would you use it to cut your home loan or invest it for retirement? It’s one of the biggest money decisions Australians face. With higher living costs and rising interest rates, it can be hard to know which choice is best.    In this Super Insider episode, Anne Fuchs and financial adviser Brad Monk unpack the real trade‑offs between paying off debt and growing your super. You’ll hear how tax benefits, compound growth and life stage all play a role - and why the right answer isn’t always about numbers alone.    Whether you want to ease money stress, plan for a comfortable retirement or simply make a smarter move with your savings, this episode brings clarity and confidence.    Tune in to learn:  1:24 - How mortgage rates impact retirement savings  3:46 - How younger Australians view retirement differently  5:49 - What makes super so tax effective  8:50 - Why life stage changes everything  9:58 - What to consider before boosting super  14:26 - Why emotional money decisions matter  14:40 - How financial advice can build confidence 💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager of Advocacy and Impact, ART  Brad Monk – Director, Aged Care Specialist Senior Financial Planner, LifePath Financial Planning  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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Ever thought, “Am I really ready for retirement?”     It’s easy to focus on the end goal, but what really matters is what you’re doing along the way. In this episode, Josh and Ruth unpack how your super, investments and financial decisions evolve over time and what you should be paying attention to at every stage.     From your early super decisions to the choices you make closer to retirement, this episode shows how your strategy should evolve with you. You’ll also learn how key milestones, shifting priorities and unexpected moments can shape your financial future and how to stay on track through it all.    Tune in to learn:  01:04 - What a retirement roadmap really is  02:20 - How contributions change over time  06:11 - Why investments matter more long-term  07:30 - When to review your super strategy  14:43 - What ages 60, 65, 67 unlock  20:30 - How to transition into retirement smoothly    💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader – Key Client Education, ART

Want to pay less tax and grow your retirement savings at the same time? 👀     In this episode of Super Insider, our host Anne Fuchs sits down with Education specialist Kane Everingham to break down simple, practical tax strategies you can actually use - whether you’re a last-minute planner or someone who likes to stay ahead.     From quick wins before 30 June to smarter long-term habits, this episode is packed with tips to help you make the most of your money, now and into retirement.    The difference between paying more tax or making smarter moves often comes down to what you know and when you act.    Tune in to learn:  01:46 - How to lower your tax before 30 June using super  03:15 - What last-minute moves can you make  07:24 - How salary sacrificing reduces your tax over time  10:23 - What contribution limits mean (and how to use them)  12:28 - Helpful tools to assist with planning    💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager, Advocacy and Impact, ART  Kane Everingham – Team Leader, Education Delivery, ART  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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Think you’ll automatically get the Age Pension at 67? Not quite.    The reality is a little more complex but understanding how the Age Pension works early could make a real difference to your retirement.     In this episode of Super Insider, our Education experts Josh and Ruth unpack the Age Pension in Australia - what it is, who qualifies, and how it could fit into your retirement plan.    From common misconceptions to practical strategies, this episode gives you tips and insights about the Age Pension and confidence to take control of your next chapter.    Tune in to learn:  01:36 - What the Age Pension is and how it works  04:04 - Why not everyone receives the full Age Pension  05:32 - How income and assets impact your eligibility  09:24 - What strategies could help you qualify for more  11:34 - How deeming rates and market changes affect your payments  13:47 - When and how to apply   💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader – Key Client Education, ART  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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Ever feel like you’re being pulled in every direction - supporting ageing parents, helping your kids get ahead, managing work and life, all while trying to plan your own future?     You might be part of the sandwich generation.     In this episode of Super Insider, our Education experts Josh van Gestel and Ruth Weaver unpack the real pressures facing many Gen X Australians today. This honest conversation explores why this stage of life can feel overwhelming and why it might actually be the most important time to focus on your own financial future.     If you're juggling family responsibilities and wondering whether you're doing enough with your super, this episode offers practical insights to help you take back control.     Supporting others is part of life for many Australians but as Ruth puts it in this episode, “it is time to put yourself first.” The decisions you make today could make a meaningful difference to your future retirement.    Tune in to learn:  00:54 - What it means to be part of the sandwich generation  07:13 - Why your 40s and 50s are critical for super planning  11:03 - What simple actions can improve your retirement outlook  12:32 - How retirement forecasting helps you understand your super  13:14 - How extra super contributions can compound over time  16:09 - Why reviewing your super investment strategy matters  19:11 - How inheritance and estate planning fit into retirement planning   💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader – Key Client Education, ART    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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Markets are moving again - and it’s normal to feel unsure about what that means for your superannuation.     In this bonus episode of Super Insider, ART Chief Economist Brian Parker explains what’s behind recent market volatility, how global events can affect investments, and what it means for your long-term super savings.    Tune in to learn: Potentially no time stamps required for this episode as it’s repurposed webinar content   10:02 - What we’ve learned from past market crises 10:47 - Why your super is safe for the long term   12:21 - Should I be thinking about investing in gold or other commodities?  13:41 - What is ART doing to manage the current risks associated with geopolitics?  14:48 - Should I consider delaying retirement?  17:56 - What's happening with fuel prices and what direct impact will that have on investment returns for members?  21:05 - Tips on what you can do if you’re worried, including when it makes sense to get advice  💡 Want to feel more confident about your retirement savings?  Visit our website to explore more tools, insights and resources to help you understand your investment options and how your super is invested: australianretirementtrust.com.au    To learn more about market volatility, visit the below links:  Market volatility - https://www.australianretirementtrust.com.au/learn/investment-advice/what-is-market-volatility   Discover what type of investor you are here - https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz     If you’re still worried, talk to your financial adviser or talk to us. We’re here to help you feel confident about your future. Find adviser support here: https://www.australianretirementtrust.com.au/contact-us/support-home/support-adviser    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Brian Parker – Chief Economist – Investments, ART   Joshua van Gestel – Senior Manager, Education Delivery, ART  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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Confidence is powerful - especially when it comes to choosing the right super investments for you! In this episode of Super Insider, Anne Fuchs sits down with Liz Kumaru, General Manager of Growth Assets, and Jody Fitzgerald, General Manager of Defensive & Liquid Assets and Portfolio Intelligence at ART, for a candid and practical discussion about women, investing and long-term wealth.  From the confidence gap to the 25% gender super gap*, this conversation explores why capability isn’t the issue - confidence often is and what women can do today to take control of their financial future.  * Source: SMC Australia, ‘SMC: Economic security in retirement: How life events affect older Australian women 2025’, 2025, accessed 1 February 2026 at SMC: Economic security in retirement: How life events affect older Australian women 2025    Tune in to learn: 10:09 - Why women hold back from investing
  11:06 - Why backing yourself changes everything
  12:33 - How to support the next generation
  14:54 - How small money decisions compound over time
  16:33 - How to grow your super strategically
  17:33 - When to take control of your finances
  20:08 - Why representation in finance matters     If this conversation resonates, share it with a woman in your life - a daughter, colleague, sister or friend - and help spark the next generation of confident investors.    💡 Want to feel more confident about where your super is invested   Explore your investment options, returns, and the assets helping grow your retirement savings on our website: australianretirementtrust.com.au  What type of investor are you? Test your inner investor and see what type of investment options may suit you best. https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager of Advocacy and Impact, ART  Elizabeth Kumaru – General Manager of Growth Assets, ART  Jody Fitzgerald – General Manager of Defensive and Liquid Assets and Portfolio Intelligence, ART  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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

Super Insider is on location in Melbourne to show you exactly what your super is invested in!     In this episode of Super Insider, we step inside one of our newest and most innovative investment properties and unpack why we’ve got more than $9 billion of our member’s retirement savings invested in Australian real estate.    Our host Anne Fuchs is joined by Michael Weaver, General Manager of Mid-Risk Assets at Australian Retirement Trust, and Campbell Hanan, CEO of Mirvac, to explain how this property investment is different, why build-to-rent has finally made its way to Australia, and how it’s making our members money while adding to rental supply.    Tune in to learn:  00:18 - Why we’re inside a Melbourne apartment   02:57 - How property fits ART’s portfolio  05:34 - What build-to-rent really means  08:42 - Why ART partnered with Mirvac  11:26 - Affordable housing for essential workers  12:58 - Who lives in these communities  16:27 - Will ART invest in more?    Whether you’re just starting your super journey or planning for the long-term, this episode helps you understand how your super investments grow in real properties and how that benefits your future.     💡 Want to see how this investment works for you?  Explore your investment options, returns, and the assets helping grow your retirement savings on our website: australianretirementtrust.com.au    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager of Advocacy and Impact, ART  Michael Weaver – General Manager of Mid Risk Assets & UK, ART  Campbell Hanan – CEO and Managing Director, Mirvac Group    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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.

You’ve worked hard for your super, so now it’s time to understand how it works for you.    Retirement comes with a lot of questions and that’s exactly why this episode of Super Insider exists.     In this must-listen episode, Josh and Ruth from our Education team dive into the most common retirement FAQs we hear from members. They bust myths, break down options and give you the clarity you need to move forward with confidence. From growing your super to accessing it without fear, this conversation is all about keeping your super working hard for you, so you can focus on enjoying a stress-free retirement.     Tune in to learn:  02:30 - Planning your retirement income needs  05:19 - Using forecasters to check progress  06:38 - Growing super through contributions investments  11:49 - Accessing super at preservation age  13:38 - Choosing income versus lump sums   15:41 - Thriving in retirement wellbeing  20:57 - Getting guidance when decisions matter    Whether retirement is around the corner or still a few years away, this episode will help you understand your options and feel empowered to take the next step.    Explore more tools, calculators, events and guidance on our website: https://www.australianretirementtrust.com.au/     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua Van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader – Key Client Education, ART    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.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), 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 speakers is provided as general information only and not financial advice.