Super Insider

Is your super on track to fund the lifestyle you want in retirement? 

  

In this Super Insider episode, our Education experts Joshua, Ruth and Kane walk you through ART’s Retirement Essentials education program: https://www.australianretirementtrust.com.au/advice/events-and-seminars   

 

From planning your lifestyle goals to growing your super and turning it into income, they break down what confidence in retirement looks like in practice. 

  

With so many Australians unsure if they are on track, this conversation cuts through the noise and explains how your super, investments and decisions evolve as you move through different life stages. You will also hear why retirement is not a finish line, but the start of a new phase that can last decades. 

 

Tune in to learn about the following topics: 


2.08 - Planning for retirement 


3:43 - Retirement projection calculator 


5:55 - Adding money into super 


6:17 - Salary sacrifice 


6:50 - After-tax contributions 


8:08 - How your super is invested 


11:14 - Accessing my retirement savings 


12:02 - Retirement income account 


13:40 - Thriving in retirement 

Whether you are planning ahead or getting closer to retirement, this episode will help you understand your next steps with more clarity and confidence. 

 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

 

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

 

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CREDITS      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader, Key Client Education, ART 

Kane Everingham – Team Leader, Education Delivery, ART 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.  

 

This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

 

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).  

 

Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

 

Any information given by the guest speakers is provided as general information only and not financial advice.

Should you pay off your mortgage or boost your super? 

 

If you suddenly had an extra $10,000, would you use it to cut your home loan or invest it for retirement? It’s one of the biggest money decisions Australians face. With higher living costs and rising interest rates, it can be hard to know which choice is best. 

 

In this Super Insider episode, Anne Fuchs and financial adviser Brad Monk unpack the real trade‑offs between paying off debt and growing your super. You’ll hear how tax benefits, compound growth and life stage all play a role - and why the right answer isn’t always about numbers alone. 

 

Whether you want to ease money stress, plan for a comfortable retirement or simply make a smarter move with your savings, this episode brings clarity and confidence. 

 

Tune in to learn: 


1:24 - How mortgage rates impact retirement savings 


3:46 - How younger Australians view retirement differently 


5:49 - What makes super so tax effective 


8:50 - Why life stage changes everything 


9:58 - What to consider before boosting super 


14:26 - Why emotional money decisions matter 


14:40 - How financial advice can build confidence

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

 

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

👍 Click the thumbs up and give your feedback by leaving a comment.     

🔔 Subscribe and hit the notification bell to get the latest episodes.    

💝 Share this episode with a friend who needs to hear it. 

 

CREDITS      

Anne Fuchs – Executive General Manager of Advocacy and Impact, ART 

Brad Monk – Director, Aged Care Specialist Senior Financial Planner, LifePath Financial Planning 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.  

 

This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

 

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).  

 

Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

 

Any information given by the guest speakers is provided as general information only and not financial advice.

Ever thought, “Am I really ready for retirement?” 

  

It’s easy to focus on the end goal, but what really matters is what you’re doing along the way. In this episode, Josh and Ruth unpack how your super, investments and financial decisions evolve over time and what you should be paying attention to at every stage. 

  

From your early super decisions to the choices you make closer to retirement, this episode shows how your strategy should evolve with you. You’ll also learn how key milestones, shifting priorities and unexpected moments can shape your financial future and how to stay on track through it all. 

 

Tune in to learn: 

01:04 - What a retirement roadmap really is 

02:20 - How contributions change over time 

06:11 - Why investments matter more long-term 

07:30 - When to review your super strategy 

14:43 - What ages 60, 65, 67 unlock 

20:30 - How to transition into retirement smoothly 

 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

 

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

👍 Click the thumbs up and give your feedback by leaving a comment.     

🔔 Subscribe and hit the notification bell to get the latest episodes.    

💝 Share this episode with a friend who needs to hear it. 

 

CREDITS      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader – Key Client Education, ART

Want to pay less tax and grow your retirement savings at the same time? 👀 

  

In this episode of Super Insider, our host Anne Fuchs sits down with Education specialist Kane Everingham to break down simple, practical tax strategies you can actually use - whether you’re a last-minute planner or someone who likes to stay ahead. 

  

From quick wins before 30 June to smarter long-term habits, this episode is packed with tips to help you make the most of your money, now and into retirement. 

 

The difference between paying more tax or making smarter moves often comes down to what you know and when you act. 

 

Tune in to learn: 

01:46 - How to lower your tax before 30 June using super 

03:15 - What last-minute moves can you make 

07:24 - How salary sacrificing reduces your tax over time 

10:23 - What contribution limits mean (and how to use them) 

12:28 - Helpful tools to assist with planning 

 

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

 

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

👍 Click the thumbs up and give your feedback by leaving a comment.     

🔔 Subscribe and hit the notification bell to get the latest episodes.    

💝 Share this episode with a friend who needs to hear it. 

 

CREDITS      

Anne Fuchs – Executive General Manager, Advocacy and Impact, ART 

Kane Everingham – Team Leader, Education Delivery, ART 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.  

 

This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

 

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).  

 

Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

 

Any information given by the guest speakers is provided as general information only and not financial advice.

Think you’ll automatically get the Age Pension at 67? Not quite. 

 

The reality is a little more complex but understanding how the Age Pension works early could make a real difference to your retirement.  

 

In this episode of Super Insider, our Education experts Josh and Ruth unpack the Age Pension in Australia - what it is, who qualifies, and how it could fit into your retirement plan. 

 

From common misconceptions to practical strategies, this episode gives you tips and insights about the Age Pension and confidence to take control of your next chapter. 

 

Tune in to learn: 


01:36 - What the Age Pension is and how it works 


04:04 - Why not everyone receives the full Age Pension 


05:32 - How income and assets impact your eligibility 


09:24 - What strategies could help you qualify for more 


11:34 - How deeming rates and market changes affect your payments 


13:47 - When and how to apply  

💡 Want to feel more confident about your super journey? 

To explore more tools, insights and resources to help you get the most from your super, visit our website:  

https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator  

 

🎧 Subscribe now and share the episode to start your journey towards a confident retirement. 

 

Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. 

 

SUBSCRIBE FOR MORE VIDEOS 

Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388   

Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO 

 

🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD    

👍 Click the thumbs up and give your feedback by leaving a comment.     

🔔 Subscribe and hit the notification bell to get the latest episodes.    

💝 Share this episode with a friend who needs to hear it. 

 

CREDITS      

Joshua van Gestel – Senior Manager, Education Delivery, ART 

Ruth Weaver - Team Leader – Key Client Education, ART 

The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.  

 

This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.        

 

We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).  

 

Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. 

 

Any information given by the guest speakers is provided as general information only and not financial advice.