Super Insider

In this episode, Australian Retirement Trust Chief Economist Brian Parker and Senior Manager of Education Joshua van Gestel, share their knowledge and insights on the current economic outlook including inflation, interest rates and potential investment opportunities. They also cover:  how the recent Federal Budget affects your super   the state of interest rates and inflation, plus  why this year’s United States election may affect the global economy.  Host Anne Fuchs keeps the conversation lively, ensuring you leave with actionable insights. Whether you are just starting your career, or nearing retirement, subscribe to Super Insider today and expand your super knowledge. You’ll find us wherever you get your podcasts. PS. Don’t forget to share this with family and friends who might also benefit.  RECOMMENDATIONS Budget 2024-24 https://budget.gov.au/index.htm  Parental leave super boost https://qsuper.qld.gov.au/news-hub/articles/2024/05/14/21/38/parental-leave-super-boost  What’s changing in super from July 2024? https://www.australianretirementtrust.com.au/learn/education-hub/1-july-2024-superannuation-changes  IF YOU LIKED THIS EPISODE YOU MAY LIKE Is your superannuation on track? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-20  How to choose your super options? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8  FOLLOW SUPER INSIDERApple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ....   GET IN TOUCHWe’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au  CREDITSHost: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.  Guests: Brian Parker, Australian Retirement Trust Chief Economist and Joshua van Gestel, Australian Retirement Trust Senior Manager of Education.  Past performance is not a reliable indicator of future performance. Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy. 

Ever wonder what happens to your super after you retire? You’re not alone. In this episode of Super Insider, Australian Retirement Trust educators Ruth Weaver and Steven Fehring unpack the power of retirement income accounts – also known as account-based pensions – and how to turn your super into a reliable income stream once the pay checks stop. Tune in to learn the simple rules and surprising benefits of these accounts, so you can plan a stress-free golden age with confidence.  Here's what’s covered: 01:38 What’s an income account? 02:23 What's the difference between superannuation and income accounts? 05:17 What are my payment options? 05:46 How much money do I have to take out? 07:08 How long is my super going to last? 08:34 What are the advantages of an income account? 9:56 Am I eligible to open an income account? 11:10 Can I change my mind? 11:52 Can I have a joint account? 13: 18 When can I open an income account? 14:15 How do I compare income accounts? 17:03 How much can I put into an income account? 17:39 What's the minimum drawdown amount? 18:55 Can I close an income account? 20.03 How do I open an income account? Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au RECOMMENDATIONS: Moneysmart Retirement Planner https://moneysmart.gov.au/retirement-income/retirement-planner Australian Retirement Trust Retirement Calculator www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you What’s the Retirement Bonus? www.australianretirementtrust.com.au/retirement/getting-ready/income-accounts/retirement/bonus FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1 CREDITS: Ruth Weaver, Australian Retirement Trust Education Manager Steven Fehring, Australian Retirement Trust Member Education Officer Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  

Is your superannuation on track? Did you know 55% of Australians aren’t sure they’ll have enough super by the time they retire? (2)Research shows you could be better off in retirement if you get on top of your super now. (3)In this episode, Australian Retirement Trust education leaders Ruth Weaver and Joshua van Gestel discuss:   how to check your super is on track   why it’s essential to understand your ‘super style’    ways to unleash your super’s potential  tools that can help you take the next steps with your super   #Superannution #Retirement #Super IF YOU LIKED THIS EPISODE YOU MAY LIKE:  Super 101: Your questions answered  https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-14  Our top 10 retirement questions answered  https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-16  RECOMMENDATIONS:  Awaken your super  https://www.australianretirementtrust.com.au/superannuation/awaken-your-super FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388  Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1  GET IN TOUCH:  We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au                                                                             CREDITS:  Host: Joshua van Gestel, Australian Retirement Trust Senior Manager, Education  Guest: Ruth Weaver, Australian Retirement Trust Education Manager  Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.  Before you consolidate your super, please consider if the timing is right to bring your super together, and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications. Past performance is not a reliable indicator of future performance. Investment Trends 2022 Super Member Engagement Report, page 107 2. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2022. 3. Superannuation: Assessing Efficiency and Competitiveness report 2018 Productivity Commission

Get ready for the end of the financial year with Super Insider. Host Anne Fuchs and guest Steven Fehring share some great ways you could grow your superannuation and save on tax. Here’s a sneak peek of what you’ll learn:  why putting money into super could help you pay less tax  what salary is sacrifice and how it works  how to claim a tax deduction on personal super contributions  Remember, the more you know about superannuation, the more you can plan for your future. Subscribe to Super Insider now. IF YOU LIKED THIS EPISODE YOU MAY LIKE:Can I use my super to buy a house?https://www.australianretirementtrust...How much do I need to retire, and how to get it.https://www.australianretirementtrust...RECOMMENDATIONS:Australian Taxation Office - Caps, limits, and tax on super contributionshttps://www.ato.gov.au/individuals-an...https://www.ato.gov.au/individuals-an...Money Smart – Tax and superhttps://moneysmart.gov.au/how-super-w...Australian Retirement Trust – Reportable super contributionshttps://www.australianretirementtrust...FOLLOW SUPER INSIDER:Apple Podcasts - https://podcasts.apple.com/au/podcast...Spotify - https://open.spotify.com/show/1aXYHWZ....GET IN TOUCH:We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.auCREDITS:Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education.Guest: Steven Fehring, Australian Retirement Trust Member Education OfficerAny advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.Marginal tax rates in this episode include the medicare levy of 2%. Tax rates may change in the future. See ato.gov.au for more information.Contribution rules and limits may change in the future. Eligibility and conditions apply. See ato.gov.au for more information.

In this special episode we shed light on the importance of women taking control of their financial futures and superannuation. From practical tips like consolidating superannuation funds and maximising contributions, to navigating life events such as transitioning to retirement, this episode shares details to make informed decisions about your financial future. Join the conversation as we encourage women to prioritise their financial security and inspire confidence in achieving retirement goals. Subscribe to Super Insider now and start your journey towards financial freedom. #Superannuation #Retirement #SuperIF YOU LIKED THIS EPISODE YOU MAY LIKE: Super 101 – your questions answered https://www.australianretirementtrust... How to make your money last through retirement https://www.australianretirementtrust... RECOMMENDATIONS: ASFA Retirement standard https://www.superannuation.asn.au/res... Moneysmart Budget planner https://moneysmart.gov.au/budgeting/b... ART superannuation calculators and retirement forecasting https://www.australianretirementtrust... FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ.... GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS:Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and EducationGuests: Ronda Lewis, Australian Retirement Trust Member Education Officer Tara Richards, Australian Retirement Trust Team Leader, Advice DeliveryBefore you consolidate check if you’ll lose benefits like insurance or pension options before you rollover super to the one fund. Or if there are any tax impacts. Past performance is not a reliable indicator of future performance.Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

The economic landscape will keep shifting this year according to many experts. Super Insider is here to help make sense of it all and what it may mean for you. Join us as we tap into the expertise of our Chief Economist Brian Parker, as he tackles questions like: · How is the economic cycle changing? · Will we see an end to the global supply chain disruptions? · What’s the future for inflation and interest rates? Get set for an insightful chat about Australia’s economic outlook for the year ahead. #Superannuation #Retirement #SuperIF YOU LIKED THIS EPISODE YOU MAY LIKE: How to choose your super investment options https://www.australianretirementtrust... How much super you need to retire, and how to get it https://www.australianretirementtrust... RECOMMENDATIONS: Australian Retirement Trust market update and news https://www.australianretirementtrust...FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and EducationGuest: Brian Parker, Australian Retirement Trust Chief Economist Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

Retirement is a phase of life that many of us eagerly look forward to. It’s a time to slow down, relax, and pursue our passions. But with the rising cost of living, it’s essential to make sure that our retirement savings can fund the life we’ve been dreaming about. In the second instalment of our new Q&A series, Australian Retirement Trust Member Education teammates April Smith and Kane Everingham answer our top 10 most asked retirement questions and provide valuable insights and tips to help you retire well with confidence.So, whether you’re just starting to plan for retirement, or already in the thick of it, watch or listen now to learn how to make the most of your super and enjoy the retirement you deserve.#Superannuation #Retirement #SuperQUESTIONS 1:40 What age can I retire?3:33 How much super do I need to retire?7:23 How do I know if I’m on track?9:33 What can I do if I’m not on track?9:40 What are some ways I can grow my super?10:53 What rules are there for accessing your super?12:21 Should I fully retire or semi-retire?14:25 How does a transition to retirement account work?15:47 What’s a transition to retirement strategy?17:02 Is it easy to plan your retirement yourself?18:28 (Bonus question) Where to next?RECOMMENDATIONS: Association of Superannuation Funds of Australia Retirement Standard via SuperGuru.com.au https://www.superguru.com.au/retiring...Australian Retirement Trust Retirement Forecaster https://www.australianretirementtrust...FOLLOW SUPER INSIDER:Apple Podcasts - https://podcasts.apple.com/au/podcast...Spotify - https://open.spotify.com/show/1aXYHWZ....GET IN TOUCH:We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.auCREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and EducationGuests: April Smith, Member Education OfficerKane Everingham, Team Leader Member EducationAny advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

If you’re thinking about opening a self-managed super fund (SMSF), check out this episode to learn some common SMSF misconceptions and how the product compares against regular superannuation funds. During the episode our host, Anne Fuchs and Australian Retirement Trust National Education Manager, Joshua van Gestel discuss: • some of the differences between a SMSF and a regular super fund • potential costs and work involved with a SMSF • considerations of a SMSF • benefits of a regular super fund #Superannuation #Retirement #SuperIF YOU LIKED THIS EPISODE, YOU MAY LIKE: How to choose your super investments https://www.australianretirementtrust... Can I use my super to buy a house? https://www.australianretirementtrust... RECOMMENDATIONS: Self-managed super funds https://www.australianretirementtrust... What is a self-managed super fund? https://www.australianretirementtrust... Winding up an SMSF https://www.australianretirementtrust... FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ.... GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and EducationGuests: Joshua van Gestel, Australian Retirement Trust National Education ManagerAny advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

We have a new addition to Super Insider: our new Q&A episodes. These quick-fire sessions answer our most frequently asked questions and share practical tips and insider knowledge to help you get the most from your superannuation. #Superannuation #Retirement #SuperQUESTIONS 0:01:39 How does superannuation work? 0:04:01 What are the benefits of combining my super? 0:05:36 How can I compare super funds? 0:09:22 How do I choose the right investment option? 0:11:50 When is preservation age and when can I access my super? 0:13:24 What happens to my super when I die? 0:15:27 How and how often should I be engaging with my super? IF YOU LIKED THIS EPISODE, YOU MAY LIKE: Transition to retirement – your guide to accessing your super while still at work https://www.australianretirementtrust... What happens to super when you die? https://www.australianretirementtrust... RECOMMENDATIONS: MoneySmart: Choosing a super fund https://moneysmart.gov.au/how-super-w... Nominate a beneficiary https://www.australianretirementtrust...FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ.... GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and EducationGuests: April Smith, Member Education Officer Kane Everingham, Team Leader Member Education Before you consolidate your super, please consider if the timing is right and if you will lose benefits such as insurance or pension options, or if there are any tax implications.Any advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.

A lot has happened on the global stage since our host, Anne Fuchs, and Chief Economist Brian Parker caught up in August. In this episode, Anne and Brian examine how geopolitical conflicts could affect world economies, the future of inflation and interest rates, and the importance of making informed investment decisions during market fluctuations. Stay informed with this must-listen episode. #Superannuation #Retirement #SuperIF YOU LIKED THIS EPISODE YOU MAY LIKE: How to choose your super investment options - https://www.australianretirementtrust... How to make your money last through retirement - https://www.australianretirementtrust...FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ....  GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS:Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and EducationGuest: Brian Parker, Australian Retirement Trust Chief EconomistAny advice given is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.  This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.