Episodes

  • Why taking a holiday is good for your superannuation and retirement
    Apr 30 2025
    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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    17 mins
  • How global markets are impacting your superannuation and retirement
    Apr 7 2025
    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 mins
  • How AI is helping women reduce mental load, work smarter and earn more
    Mar 25 2025
    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, Claude, Granola 🌟 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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    26 mins
  • How much superannuation do I need to retire comfortably in 2025?
    Mar 23 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 mins
  • How much insurance is enough? Life cover, income protection and TPD
    Mar 3 2025
    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 mins
  • US tariffs, rate cuts and what's ahead for your super returns - Economist exclusive
    Feb 25 2025
    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 mins
  • What’s a good superannuation balance for my age? Here’s how to check
    Feb 9 2025
    Do you ever wonder if you have enough superannuation? This episode is your no-stress guide to checking your super balance, setting clear goals, and taking simple steps to secure your future. It’s packed with practical tips to help you feel confident about your retirement savings—no jargon, just straight answers. Here’s what you’ll learn ❓ How much super do you need? Get clear on your retirement goal with benchmarks like the Association of Superannuation Funds of Australia (ASFA) standards. 🎯 The power of compounding: See how your super may grow over time with small, consistent contributions. 😎 What’s a ‘super buddy’? Discover why talking about super with trusted friends can make a big difference. 🏃‍♀️ Simple steps you can take today: Whether you’re ahead or playing catch-up, these tips will help. Why you should listen 💡 Wondering if you’re saving enough for a ‘comfortable’ retirement? 💡 Not sure where to start or how to boost your super balance? 💡 Looking for easy, actionable ways to secure your future? This episode is all about YOU and your financial confidence. Whether you’re a seasoned saver or just starting your super journey, we’ve got you covered. 🎧 Ready to awaken your super? Hit play now to listen or watch. RECOMMENDATIONS  How much super should I have? https://www.australianretirementtrust.com.au/superannuation/how-much-super-should-i-have Retirement planning: get ready for life after work https://www.australianretirementtrust.com.au/retirement/retirement-planning IF YOU LIKED THIS EPISODE, YOU MAY LIKE Ready to retire? What you need to know https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-28 Is financial advice worth it? 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   Joshua van Gestel, Senior Manager – Education Delivery Ruth Weaver, Team Leader - Education 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.  Investment earnings can go up and down and be negative at times. Before you consolidate, think about whether it’s right for you. You could lose access to benefits such as insurance or pension options, and you need to consider tax implications.
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    21 mins
  • Secrets to a happy retirement: Professor Joanne Earl shares what you can do
    Jan 19 2025
    Retirement gives you back something precious: time. So, what's your plan for a full and happy retirement? On today's episode, organisational psychologist and retirement planning researcher Professor Joanne Earl shares practical strategies for this exciting new life chapter. They include: · what you need to think about (hint: it’s not just your finances) · how to make the transition from work to retirement easier · hobbies, volunteering, or starting a side project · investing time in relationships and avoiding loneliness · prioritising physical activity and self-care. Retirement is an opportunity to design the life you really want. Listen now to learn the strategies you need to achieve it. Liked the episode? Could you do 1 (or some?) of the below for us? 💙 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 RECOMMENDATIONS Macquarie University Holistic Retirement Planning Program https://openmq.com.au/course/HRPP01 Planning your retirement https://www.australianretirementtrust.com.au/retirement Transition to retirement https://www.australianretirementtrust.com.au/retirement/getting-ready/income-accounts/transition-to-retirement IF YOU LIKED THIS EPISODE YOU MAY LIKE Ready to retire? Understand your superannuation options at retirement https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-28 Age Pension Australia – understand the rules and how to qualify https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-27 CREDITS Anne Fuchs, Executive General Manager - Advocacy and Impact Professor Joanne Earl, organisational psychologist 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. Any information given by the guest speaker is provided as general information only and not financial advice.
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    18 mins