Super Insider

In this powerful episode of Super Insider, our host Anne Fuchs sits down with Leah Bennett, Managing Director of First Nations Foundation, for a heartfelt and eye-opening conversation about money, culture, community, and retirement for Aboriginal and Torres Strait Islander peoples.  Together, they explore how financial literacy, systemic inequities, and cultural obligations shape financial wellbeing, and what we can all do to help ensure First Nations people experience stronger financial futures.    Tune in to learn:  00:01 - Why financial literacy is key to economic participation  00:03 - What “teaching the teacher” means in community-led education  00:06 - How superannuation is reshaping family wealth for the first time  00:09 - The emotional side of money and community decision-making  00:12 - Leah’s personal journey with super and breaking generational cycles  00:15 - Why financial literacy is a national issue, not just a First Nations issue  00:18 - The importance of culturally-led partnerships  00:21 - How ART and FNF are working together to empower the next generation    Ready to dive deeper into this important conversation?  👉 Explore more about Australian Retirement Trust at art.com.au   👉 Learn about First Nations Foundation and their programs at firstnationsfoundation.org.au    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 – Host & Executive General Manager of Advocacy and Impact, ART  Leah Bennett – Managing Director, First Nations Foundation    Sources:ABC - https://www.abc.net.au/news/2025-07-23/report-superannuation-access-issues-first-nations-australians/105557598ABS - https://www.abs.gov.au/statistics/people/aboriginal-and-torres-strait-islander-peoples/aboriginal-and-torres-strait-islander-life-expectancy/latest-releaseASFA - https://www.superannuation.asn.au/Australian Retirement Trust – Internal Financial Wellbeing Report on Aboriginal and Torres Strait Islander members 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. 

What if managing money felt simple again?    In this episode, we sit down with Glen James from Money Money Money for an honest, energising chat about spending, saving, super and the small habits that shape your future.    From breaking free of comparison culture to embracing simple financial fundamentals, Glen and Anne unpack the real-life lessons that help people feel confident and in control, no matter their income or stage of life.    Whether you’re trying to spend better, invest smarter, or finally tackle that credit card cycle, this conversation has something for you.     Tune in to learn:  13:06 - How comparison culture can derail your financial confidence  19:23 - Why being “at peace with yourself” is the foundation of good money decisions  20:46 - The power of slow, steady investing (and why super is built for it)  22:10 - Why giving, saving, and spending is Glen’s lifelong formula  21:11 - Common myths about superannuation (and why they stick around)  22:55 - How compound returns can transform long-term wealth  23:32 - Why you are an investor, whether you realise it or not  24:47 - How to make money habits that actually last  25:12 - The mindset shift that can change your future: doing your future self a favour today    🔗 Ready to level up your money game?    Catch more money insights on the Money Money Money podcast: https://www.moneypodcast.com.au/   And explore helpful tools and resources 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       Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART  Glen James – Host & Founder, Money Money Money  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. 

What does an epic retirement really look like? And how do you build one that feels confident, flexible and truly yours?  In this Epic Retirement Month special, we sit down with Bec Wilson, founder of Epic Retirement, to unpack the real truth about Australia’s retirement phase, what most people get wrong, and how small choices today can set you up for the “you of tomorrow.”     Bec also reveals how the Epic Tick was created, what it means for Australians, and why the retirement phase should be held to a much higher standard.     Whether you're five years from retiring or simply starting to imagine what life after full-time work could look like, this episode will help you dream bigger and plan smarter.    Tune in to learn:  00:57 - Why Australia’s retirement phase is still “patchy”   12:22 - The difference between accumulation vs retirement phase super   13:55 - What the Epic Retirement Tick measures and why it matters for members  16:21 - How ART performed across the 18 Epic Tick criteria  24:00 - Shaping retirement goals beyond “what’s in my balance?”  25:18 - Smart strategies like transition to retirement, income streams and tax-free approaches   26:41 - The simple mindset flip that helps people build the dream retirement  29:15 - Next steps: advice, support and practical tools you can use today    Ready to shape your own epic retirement?  👉 Explore tools and resources at https://www.epicretirement.net/. And discover more Epic Retirement Month resources at 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       Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART  Bec Wilson – Founder and Principal, The Epic Retirement Institute     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 wondered when you should really start planning for retirement? For many, the light bulb moment hits around 50. But as hosts Josh van Gestel and Ruth Weaver reveal, the best time to start is long before that.    In this episode of Super Insider, we dive deep into what “transition to retirement” really means. From navigating super, pension and part-time work, to finding the right investment mix and having those all-important conversations with your partner. Whether you’re in your 30s, 40s or gearing up for the next chapter, this episode will help you feel informed, empowered and ready to take control of your retirement journey.    Tune in to learn:  02:00 – Josh’s light bulb moment at age 50  04:00 – Why retirement planning should start earlier   07:00 – How the Age Pension can fit into your overall plan  10:59 – Talking about retirement goals with your partner  12:15 – Three powerful levers to improve your retirement outcome  16:05 – How your investment approach changes as you age  19:28 – Understanding your risk profile   21:55 – Next steps: where to go for help and the role of financial advice    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    👉 Learn more and access tools and calculators at art.com.au/learn.     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       Josh van Gestel - Senior Manager - Advice, Guidance and 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. 

Your super isn’t just sitting still. It’s taking off with airport investments around the world, including our very own Brisbane Airport.   In this Super Insider episode, we sit down with Brisbane Airport CEO Gert-Jan de Graaff and ART’s Michael Weaver to explore why this thriving asset is a cornerstone of our investment portfolio. From having an important focus on sustainability to $5 billion in new developments, find out how Brisbane Airport is driving long-term value for our members and shaping the future of travel.    For more resources on how we invest in assets like Brisbane Airport and beyond, visit: https://www.australianretirementtrust.com.au/investments  Tune in to learn:  Why Brisbane Airport is a strong long-term investment for ART members  $5B in upgrades transforming terminals and passenger experience  Biometric technology and digital arrival cards  How sustainability and net zero goals are driving change for Brisbane Airport   The airport’s role in jobs and Queensland’s economy  Property and leisure developments across 500+ hectares  Plans for a new combined international & domestic terminal  Preparing for growth leading into the 2032 Olympics  🎧 Subscribe to Super Insider for more stories about the investments shaping your future and share this episode with your network!     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 - Host & Executive General Manager of Advocacy and Impact, ART  Michael Weaver – General Manager, Mid Risk Assets & UK, ART  Gert-Jan de Graaff – CEO, Brisbane Airport Corporation  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. 

In this engaging conversation, Katrina Samios, CEO of the Financial Basics Foundation, emphasizes the importance of teaching financial literacy to young Australians. She shares the inspiring success of students from the Cashed Up program and explains how financial skills go beyond mere math, focusing on confidence and resilience. Katrina discusses the challenges schools face in delivering these essential lessons and reveals her vision for universal financial education by 2030, highlighting the critical role of empowering young women in financial matters.

No phones, no windows - three days in the Cabinet Room discussing Australia's economic future.    Want to know what we’ll be talking about?     In this episode of Super Insider, Andrew Fraser joins Anne Fuchs to share how Australian Retirement Trust is representing our members at the Economic Reform Roundtable in Canberra.    As the only super fund with a dedicated seat at the table, we’re helping shape the national conversation of productivity, investment and retirement policy - turning big ideas into real-world benefits for Australians. From explaining what the Roundtable is and why it matters, to exploring how the discussions connect to the everyday realities of Australians, Andrew and Anne unpack the opportunities ahead. Along the way, Andrew also shares his personal perspective on representing members at such a high-level forum and the key questions he hopes to raise on their behalf.    This episode provides a look into how Australian Retirement Trust advocates for better outcomes for both our members and all Australians - and how the decisions made in Canberra today could shape the Australia of tomorrow.    Learn more about how we’re helping shape Australia’s future: https://www.australianretirementtrust.com.au    Tune in to learn:  0:00 - Introduction & why the Roundtable matters  2:15 - What is the Economic Reform Roundtable?  4:50 - Why ART was invited & our submission focus  7:40 - Linking Roundtable themes to members’ lives  10:25 - Productivity: Investing in projects that benefit Australia & members  14:05 - How super can help money move faster between projects  16:50 - Retirement system gaps & opportunities for change  20:15 - Access to better choices for retirees  23:10 - Andrew’s personal perspective & hopes for the Roundtable  25:55 - Looking ahead: Possible policy outcomes for members    🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider    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 - Host & Executive General Manager of Advocacy and Impact, ART  Andrew Fraser – Chairman of the Board, ART 

Unlock the insights on economic trends and investment outcomes shaping your superannuation this financial year.     Join Anne, Brian, and Andrew as they break down key economic trends, investment winners from airports to AI (via data centres), and what market ups and downs mean for your retirement savings. Whether you’re nearing retirement or just getting started, this EOFY recap gives you the clarity you need to understand your super’s performance and what lies ahead.  For more information on how Australian Retirement Trust manages your super and to explore your investment options, visit:   https://www.australianretirementtrust.com.au/investments    Tune in to learn:  01:00 - Economic overview: inflation, interest rates, and growth  02:20 - Impact of global trade tensions on markets  03:20 - Australia’s economy: steady growth and rising real wages  05:00 - Investment performance highlights & top performing options  06:20 - Why airports, data centers, and private equity are shining  10:30 - The advantage of diversification & scale in investments  12:40 - Understanding market volatility & its role in super  14:00 - Lifecycle strategy: managing risk as you approach retirement  15:00 - Economic outlook & predictions on interest rates  18:00 - Year highlights & the power of financial advice    🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.  🌟 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 – Host & Executive General Manager of Advocacy and Impact, ART  Brian Parker – Chief Economist, ART  Andrew Fisher – GM, Total Portfolio Management and Resilience, ART  Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category. High Growth is our #1 performing option over 10 years to 30 June 2025. Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees.  The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary.  The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date.    Past performance is not a reliable indicator 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.         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. 

Aged care in Australia can feel complex – but it doesn’t have to be! In this episode of Super Insider, we sit down with Justin Bott from Services Australia, to break down the real costs of entering aged care, how superannuation plays a role, and the myths that stop people from planning ahead. Whether you’re approaching retirement, supporting ageing parents, or simply planning for the future, this episode is packed with practical insights and expert advice. Tune in to learn: 01:23 – What is aged care & who actually pays? 07:41 – The 3 main types of aged care fees explained 13:34 – RAD vs DAP: Lump sum vs daily payment 15:12 – Means-tested fees & government caps 19:51 – Luxury aged care & extra service fees 21:52 – Do I need to sell my home for aged care? 23:39 – How the rules differ for couples vs singles 27:03 – How superannuation fits into aged care 29:20 – Busting the biggest aged care myths 33:16 – Where to get trusted, expert help 🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider Want to speak to someone? My Aged Care: 1800 200 422 Aged Care Specialist Officer (Services Australia): 1800 227 475 Or visit www.myagedcare.gov.au to explore your options. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO LINKS MENTIONED IN EPISODE About Services Australia https://www.servicesaustralia.gov.au/ My Aged Care www.myagedcare.gov.au IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE  Age Pension Expert Q&A - rules, common mistakes and how to qualify https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-34 The secrets to a happy retirement with Professor Joanne Earl https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-35 🌟 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      Kane Everingham, Australian Retirement Trust, Education Team Leader Justin Bott, Services Australia, Community 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. 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 wondered how the Commonwealth Seniors Health Card works and how you qualify? In this episode, host Kane Everingham sits down with Justin Bott from Services Australia to break down everything you need to know – from how to qualify, to the savings it can unlock on medical and other everyday expenses. Tune in to learn: 00:00 🎙️ What is the Commonwealth Seniors Health Card and who can get it? Justin explains the key eligibility requirements, including age and income thresholds. 03:30 💊 What benefits does it provide? From cheaper prescription medicines to potential savings on bulk billing and state-level concessions. 06:30 📱 How to apply and access your card - Online, on your phone, or via paper – choose the method that suits you best. 08:00 🧾 Other concession cards and bonus tips - Learn about other card types like the Low Income Health Care Card and how to claim backdated prescription savings. For more info or to apply, visit servicesaustralia.gov.au or your state seniors website. 🎧 Subscribe now for more simple, practical tips to make the most of your retirement with Super Insider. SUBSCRIBE FOR MORE VIDEOS Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO LINKS MENTIONED IN EPISODE About Services Australia https://www.servicesaustralia.gov.au/ IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE  Age Pension Expert Q&A - rules, common mistakes and how to qualify https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-34 The secrets to a happy retirement with Professor Joanne Earl https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-35 🌟 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      Kane Everingham, Australian Retirement Trust, Education Team Leader Justin Bott, Services Australia, Community 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. 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 Sunsuper Financial Services 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. Any information given by the guest speakers is provided as general information only and not financial advice.