Super Insider

• The Super Seat: Where your future gets a voice

  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

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• Markets, money and super: EOFY recap

  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.

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• Planning for aged care

  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.

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• Commonwealth Seniors Health Card Explained

  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.

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• Why taking a holiday is good for your superannuation and retirement

  What do one of Australia’s top tourism brands and a $300 billion super fund have in common? More than you might think!  We’re on location at Discovery Parks Byron Bay to explore a surprising way Aussies are growing their super – just by booking a holiday.  Host Anne Fuchs sits down with Grant Wilckens (G’Day Group CEO) and Michael Weaver (ART Head of Global Real Assets) to talk about:  00:00 Why taking a holiday is good for your superannuation and retirement 01:36 🌏Owning a slice of Australia – G’Day Group Discovery Parks run more than 90 holiday parks in stunning spots like Byron Bay, Cradle Mountain, Rottnest Island and the Kimberley.  06:10 🚙The evolution of caravan parks – once just powered sites for motorhomes, holiday parks now offer everything from luxury lodges to glamping. The industry has grown into a billion-dollar business.  07:00 💰Big investments, big growth – with more than $2 billion in assets, Discovery Parks is ART’s largest real estate investment. And it’s still growing. That’s good news for your super.  08:00 🏖️Your super, your holidays – every stay helps ART members grow their retirement savings.  Super isn’t just about the future; it’s working for you right now. Tune in for more insights.    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 G’Day Group  https://www.australianretirementtrust.com.au/advisers/articles/gday-group  Investing in super  https://www.australianretirementtrust.com.au/investments/options    IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE    Invest smarter: Risk vs returns in superannuation   What’s a good super balance for my age? Here’s how to check    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     💙 Subscribe for regular updates (please leave us a rating or review).     Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388       Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs, ART Executive General Manager, Advocacy and Impact   Grant Wilckens, G’Day Group CEO   Michael Weaver, ART Head of Global Real Assets    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) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both 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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