Super Insider

• How global markets are impacting your superannuation and retirement

  There’s a lot happening in the world right now. What does it mean for your super?  You might be hearing about changes in the stock market. It can sound confusing – but here's the truth:  👉 Your super is built for the long term  👉 Short-term noise doesn’t mean long-term loss  In this episode of Super Insider, we explain what’s going on and make sense of how current events may impact your retirement savings (spoiler alert: not as much as you might think). Hear from our experts ART's Chief Economist, Brian Parker, Senior Education Manager, Joshua van Gestel, and host Anne Fuchs.   Why you need to tune in:  00:00 Market volatility and your superannuation 02:35 How your investment team thinks about volatility - and why it's not always bad news  03:10 Understanding the benefits of staying invested, even when markets dip  04:18 Tips for keeping emotions out of your investment decisions   07:23 How our Lifecycle default option helps protect members nearing retirement  09:18 Why diversification and access to global private assets give your super strength in uncertain times  Take 10 minutes and listen in. You might walk away with a fresh perspective - and peace of mind.  FOLLOW SUPER INSIDER    Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO  RECOMENDATIONS  What you need to know about market volatility and your super  Strong super performance    IF YOU LIKED THIS EPISODE, YOU MAY ALSO LIKE    Invest smarter: Risk v return in superannuation  Exclusive Q&A with ART’s Chief Investment Officer – How we invest $300 billion in superannuation     🌟 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 Executive General Manager of Advocacy and Impact, Australian Retirement Trust  Brian Parker Chief Economist, Australian Retirement Trust  Joshua van Gestel Senior Education Manager, Australian Retirement Trust     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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  11:08
• How AI is helping women reduce mental load, work smarter and earn more

  Artificial Intelligence is the future of work. It’s already shaping careers, money and daily life. But are you using it to your advantage?  In this International Women’s Day episode of Super Insider, we ask AI expert Dr Nici Sweaney (Ai Her Way) and ART investment partner Elicia McDonald (Airtree) how AI can cut stress, boost careers and reduce the mental load.     Did you know?  🤖 There are about 31,000 generative AI tools in the market  💵AI could add $16 trillion to the global economy by 20301  🏢 AI could create 200,000 new jobs in Australia in the next 5 years2  😟Only 22% of AI experts are women3     Why you need to listen  04:16 What’s generative AI and what can it do for you  09:25 Ways to use AI – no coding skills needed!   11: 58 Practical tools to lighten your load so you can focus on what matters  15:05 AI safety and ethics    FOLLOW SUPER INSIDER    Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO     RECOMMENDATIONS    Ai Her Way  https://www.aiherway.com.au/     Check out Dr Nici’s AI course  Ai Her Way offers a practical, high-impact AI course for all the knowledge and tools you need—without the complexity. Super Insider listeners can experience the Fundamentals of AI course free for 14 days, plus 50% off 1st-month membership on course completion, and downloadable content.   Airtree  https://www.airtree.vc/  Airtree is an ART investment partner, with an interest in female founders. Read more about our partnership here.     AI tools to make life easier  ChatGPT, CoPilot, Granola, Claude    🌟 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 Executive General Manager of Advocacy and Impact, Australian Retirement Trust  Dr Nici Sweaney, AI strategist and founder of AI Her Way, a platform empowering female entrepreneurs with ethically designed AI tools.  Elicia McDonald, partner at Airtree, one of Australia’s leading venture capital firms, investing in groundbreaking AI technology and proudly supported by Australian Retirement Trust.  1. PwC's Global Artificial Intelligence Study, accessed 19 March 2025 at pwc.com  2. Meeting the AI Skills Boom, 2024, accessed 19 March 2025 at techcouncil.com.au  3. AI's Missing Link: The Gender Gap in the Talent Pool, 2024, accessed 19 March 2025 at interface-eu.org     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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  25:52
• How much superannuation do I need to retire comfortably in 2025?

  It’s the million-dollar question (literally): How much super do you actually need for retirement? 🧐 If you think you need $1 million, you might be surprised.  In this must-listen episode of Super Insider, host Anne sits down with super educator Josh van Gestel to break it all down. No confusing jargon, no wild guesses—just clear, practical facts to help you work out how much you might need for a comfortable retirement.  Listen and you’ll discover:   00.00 🎙️How much super do I REALLY need to retire?  02.27 💰 How much super should you have, and why the ‘million-dollar retirement’ myth might not apply to you   03.08 🖐️ The 5 simple steps to working out YOUR retirement number    04.21 ❓ What age do you want to retire?  05.20 🏖️ How long will your retirement be?  06.45 🤔 Consider your own situation  07.45 ✈️ What are your needs and wants?  07.50 🏡 How factors like lifestyle, home ownership, and retirement age change your number   09.07 🔢 Work out your number  09.16 🛠️ The simple retirement planning tool that tells you if you’re on track (and how to fix a gap)   💫 If you’re unsure about how much you really need to retire, this chat will make things clearer. And when you know where you stand, you can plan better and feel more confident about the future.   🎧Click to watch or listen now.     FOLLOW SUPER INSIDER     Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388     Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO     RECOMMENDATIONS     ART Retirement calculator   Planning your retirement   ART Seminars and webinars      IF YOU LIKED THIS EPISODE YOU MAY LIKE     Age Pension Australia – understand the rules and how to qualify   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     Josh van Gestel, ART Senior Manager - Education Delivery      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.    This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). 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.

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  15:03
• How much insurance is enough? Life cover, income protection and TPD

  Many of us have life and other insurances through our super, but do you really know what it covers? Could you confidently say you’re protected if the unexpected happened?  In today’s episode we dig into the essentials of insurance in superannuation, and what too many people overlook. You’ll hear real-life stories, expert insights and surprising facts that might make you rethink your cover.   You’ll learn:   the 3 most common types of superannuation insurance   the mistake people make with their super cover (and how to fix it)   why your biggest asset is you   how to make a claim.   Don’t wait until it’s too late. Hit play now and make sure you and your loved ones are properly protected.   FOLLOW SUPER INSIDER    Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388     Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO      RECOMMENDATIONS    Insurance cover in your super   https://www.australianretirementtrust.com.au/insurance      Insurance calculator   https://www.australianretirementtrust.com.au/learn/tools       IF YOU LIKED THIS EPISODE YOU MAY LIKE    What to do if you’re facing an unplanned retirement   https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-32      Is financial advice worth it? The power of planning for retirement   https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-24       🌟 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, Executive General Manager - Advocacy & Impact   Kane Everingham, Team Leader – Education Delivery  April Smith, Education Lead     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 before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.   This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). 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 to tell you about that advice and how they’re paid.

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  17:06
• US tariffs, rate cuts and what's ahead for your super returns - Economist exclusive

  We’ve just had an interest rate cut. Mortgage owners are excited. Find out what it means for your savings and super. Join Super Insider host Anne Fuchs and ART’s Chief Economist Brian Parker as they unpack:   🏡 Rate cut impacts and will we see another one soon?   💰 Will your retirement savings grow or shrink?   🏖️ What does it mean for those preparing to retire?     Brian shares his take on tariffs and what's really going on in the US economy, too. 🤔   🎧 Listen now.      FOLLOW SUPER INSIDER     Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388     Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO      RECOMMENDATIONS     ART’s Investment Reports   https://www.australianretirementtrust.com.au/investments/performance/reports     ART’s Strong Super Performance   https://www.australianretirementtrust.com.au/about/why-choose-us/strong-super-performance      IF YOU LIKED THIS EPISODE YOU MAY LIKE     How we invest $300 billion   https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-31     The strategy behind super returns   https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-29       🌟 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   Brian Parker, ART Chief Economist      Past performance is not a reliable indicator of future performance. High Growth Option over 10 years to 31 December 2024. Source: SuperRatings Fund Crediting Rate Survey - SR50 - Growth (77-90) Index and Growth (77-90) category, 31 December 2024. Option name was Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024, now High Growth. 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. Option returns will differ for individuals. Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds. Investment objective is after investment fees and costs, transaction costs, and investment taxes.  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  before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). 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 to tell you about that advice and how they’re paid.

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  19:02

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