Episodios

  • Age Pension in Australia explained

    Age Pension in Australia explained
    Apr 10 2026
    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.
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    20 m
  • The Sandwich Generation: Smart super steps for Gen X

    The Sandwich Generation: Smart super steps for Gen X
    Mar 26 2026
    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.
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    24 m
  • Market volatility & your super. What you need to know.

    Market volatility & your super. What you need to know.
    Mar 18 2026
    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.
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    23 m
  • How women become super investors

    How women become super investors
    Mar 12 2026
    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.
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    22 m
  • Super property investments: your money at work

    Super property investments: your money at work
    Feb 27 2026
    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.
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    18 m
  • What you need to know to retire

    What you need to know to retire
    Feb 12 2026
    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.
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    21 m
  • 5 ways to grow your super

    5 ways to grow your super
    Jan 29 2026
    Think growing your super is complicated? Think again. In this episode of Super Insider, Ruth and Megan from the Australian Retirement Trust Education team share five simple, practical steps to help you grow your super and make the most of your money for the future. Whether you’re just starting out, mid-career, or edging closer to retirement, this episode is packed with practical tips, relatable stories, and easy actions that can make a real impact over time. Tune in to learn: 01:10 – Why staying engaged with your super really matters 04:25 – How combining super accounts could save you fees 07:40 – When and how extra contributions can make a difference 10:55 – Understanding how your super is invested 13:30 – Why investment choice should match your life stage 16:50 – How insurance inside super works 18:55 – Balancing insurance costs and retirement outcomes 19:30 – Get guidance: tools, advice and support at ART Explore more tools, calculators and resources to grow your super 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      Ruth Weaver - Team Leader – Key Client Education, ART Megan Ashenden – Education Specialist – Advice, Guidance and 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.
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    21 m
  • Brain bias: why your brain fights the future & how to win back control

    Brain bias: why your brain fights the future & how to win back control
    Jan 14 2026
    Is this the year you rewire your brain for success? 🧠 Super Insider is back! We’re kicking things off with neuroscientist Dr Hayley North, to unpack why our brain fights our long‑term goals and how to take back control. Dr Hayley North explains that it all starts with self-belief and our brain does have the capacity to change - no matter how old you are. Listen to find out the science-backed strategies to make 2026 your best year yet and set yourself up for a dream retirement. Tune in to learn: 01:55 – Self-belief and why it’s so important 05:00 – How to set realistic goals 08:34 - How to train your brain to see your future self 12:53 – Dopamine and how we can use it to our advantage 19:45 – How to reach your superannuation goals in 2026 21:45 – Rewards and how they can keep you motivated 23:58 – How Anne plans to stick to her new year’s resolution Explore helpful tools and resources on our website: https://www.australianretirementtrust.com.au/ Learn more about Dr Hayley North on her website: Understand Your Brain | Workplace Mental Health | Australia 🎧 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 Dr Hayley North – Neuroscientist and Founder, Understand Your Brain 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.
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    29 m