Episodes

  • Your top retirement questions answered

    Your top retirement questions answered
    Jun 25 2026
    These are the top retirement questions Australians are all asking right now. In this Super Insider episode, ART education experts Josh Van Gestel, Ruth Weaver and Kane Everingham answer the most common (and sometimes unexpected) questions they hear from thousands of Australians across their Retirement Essentials sessions. From how much you need to retire, to when you can access your super, and what happens to your money when you pass away, this conversation brings clarity to the topics that matter most. You will also hear practical guidance on Age Pension eligibility, tax in retirement, investment decisions, and whether self-managed super funds are really worth it as you approach retirement. Tune in to learn about the following topics: 01:26 - How much you may need in retirement 02:09 - When you can access your super 03:57 - What age pension eligibility looks like 07:41 - Why super tax benefits matter at 60+ 09:17 - How super is taxed after death 12:11 - Where retirement income can come from 14:01 - What to consider before DIY investing This episode is designed to help you feel more confident about your retirement decisions, no matter where you are in your journey. 💡 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 Learn more about the Age Pension here: https://art.com.au/age-pension 🎧 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 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.
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    18 mins
  • What you should know before retirement

    What you should know before retirement
    Jun 11 2026
    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 🌟 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 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.
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    17 mins
  • Should you pay off your mortgage or boost your super?

    Should you pay off your mortgage or boost your super?
    Jun 1 2026
    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.
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    16 mins
  • Are you on track for retirement? Your step‑by‑step super guide

    Are you on track for retirement? Your step‑by‑step super guide
    May 18 2026
    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
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    22 mins
  • Tax time tips: Boost your super and save on tax

    Tax time tips: Boost your super and save on tax
    Apr 30 2026
    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.
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    14 mins
  • 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 mins
  • 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 mins
  • 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 mins