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Learn all about superannuation and retirement with articles, videos and podcasts from Australian Retirement Trust professionals. Benefit from the flexibility to learn what, where and how you want.

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Top 10 benefits of superannuation for saving money

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Super is a powerful tool for building financial security. But are you getting all the benefits? Discover 10 ways to unlock your super's full potential as one of the best ways to save money.

Using super to buy investment property

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Keen to invest in property but short on funds? Buying an investment property with super is possible but it's not for everyone.

What are reportable superannuation contributions?

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Income tests for Centrelink benefits and things like private health rebates include reportable super contributions. But what are they? Check if you get them and what you need to do at tax time.

Super for self-employed people

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If you work for yourself, you may be wondering if you have to pay super or not. And if so, how much you should pay. Learn more about making super contributions as a sole trader or self-employed person.

How to choose a super fund

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If you want to retire well, you're not alone. Here's what to compare when deciding which super fund is best for you.

Budgeting tips for a great start to the new year

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A budget is a financial plan that helps you manage your money. Learn how to create a budget that sets you up for success this year.

5 ways to grow your super for a better retirement

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If you worry about being able to afford the lifestyle you want when you retire, you're not alone. But with our simple tips, you can boost your super and have more for the future.

What are concessional contributions?

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You want the best chance of living your retirement dreams. So, it pays to know how tax and the timing of your contributions work together. Learn how concessional contributions could help you save.

Is super paid on overtime?

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You might be wondering if you're being paid super for overtime work. Super is paid on your ordinary time earnings (OTE), find out what's included.

When was super introduced in Australia?

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Superannuation was introduced in the 1800s. But super didn't become compulsory in Australia for nearly 100 years. Now most workers have some super.

Maximum super contribution base for high-income earners

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Your employer must pay you a minimum amount of super every year. But there's also a maximum limit. If you're a high-income earner, learn what it means for your savings.

What is a self-managed super fund?

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A self-managed super fund (SMSF) gives you ultimate control over your super. But it takes a lot of time, effort, and skill. So, is it right for you?

Financial advisers vote Australian Retirement Trust best super fund

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Financial advisers voted Australian Retirement Trust the first-time winner of Best Super Fund award, recognising us as the best super fund with the best value end-to-end product.

What is financial advice?

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More than half of Australians have started getting financial advice or seeing their adviser more often. Why? Our research shows it's all to do with the economy.

What is a beneficiary? Who will get your super

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When we talk about beneficiaries, we mean who gets your super when you die. Super's generally not part of your Will. So we'll take a look at the different types of beneficiaries, why it's so important, and what you need to do.

What is superannuation?

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Knowing the ins and outs of super is important as it could play a big part in helping you live your dreams in retirement. Find out about the basics of superannuation in Australia and how it works.

Retirement age Australia

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While there's no fixed retirement age in Australia, there are a few things you should consider before stopping work. Find out the average retirement age of other Australians, when you can get your super or the Age Pension, and how you might choose the age you want to retire.

10% Returns for Balanced Option

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You'll be pleased to hear our Balanced option has achieved a market-leading 10% return for the 2022-23 financial year.

Most Aussies don't know what the super rate is

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New data shows 71% of Australians don't know the current SG rate, or what the rate will be after the next super guarantee increase.

War in Ukraine: The Economic Consequences of Putin's Obscene Folly

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After a very strong performance in 2021, world share markets have had a disappointing start to the year, as initial concerns over the outlook for inflation and interest rates have been supplanted by the war in Ukraine.

Non-concessional contributions

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Non-concessional contributions can be a smart way to take control of your financial future and put you on the path to living your dream retirement. Read on to find out what they are and how to make them.

Super co-contributions

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You don’t need to be a high income earner to take charge of your super. For low and middle-income earners, the government could help you boost your super balance by matching contributions you make.

Spouse super contributions

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If your partner has taken time off work, whether to raise children, study or for another reason, it’s likely their super balance is not growing as much as it could be.

Superannuation rate

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The Superannuation Guarantee (SG) rate has recently changed. Read our article to find out what the superannuation rate is, and how to know if you're eligible to receive super.

What are concessional contributions?

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When discussing super, you might have heard the term ”concessional contributions”. Read on to learn what exactly concessional contributions are, and how can they help boost your super savings for retirement.

How to consolidate your super?

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Having super in multiple accounts could make it hard to stay on top of your super. We’ll explore what it means to consolidate your super, why you should consider it, and how to go about it.

How are super contributions taxed?

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Adding extra to super may be a good way to boost your retirement nest egg. If you’ve ever wondered how much tax you’ll pay on contributions to super, we’ve broken it down in our article.

What is salary sacrifice?

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While 'salary sacrifice' seems to suggest losing out on part of your salary, employees who enter into a salary sacrifice arrangement with their employer could actually have a lot to gain.

Tips to help you make the most of your online super experience

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Having everything you need at your fingertips may save you time and effort, especially when you start thinking about your future plans and how you’re are tracking for retirement.

Checking in with your mental health at retirement

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Transitioning to retirement is more than a financial change, it’s also a significant mindset change. Many retirees find the adjustment to be challenging, and for some, it may lead to anxiety, depression and other health problems.

Protect yourself from super scams

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Scammers are increasingly stealing identities and people’s hard-earned retirement savings. Learn how to keep your super safe.

Are you losing money by having more than one super fund?

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Having more than one super account could hurt your retirement plans. Learn what it means to consolidate your super, why it's important, and how to go about it.

Debt and retirement

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You’ve been dreaming of finishing up at work and enjoying your retirement for many years. But, as your retirement date draws closer, you can’t help but worry about your debts. Here's how to manage your debt when it comes to retirement.

Staying on top of your future: How to find lost super

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Having enough super is key to a great retirement. Here is a quick overview of what exactly ‘lost super’ is, along with some useful steps to find and recover any lost or unclaimed super you may have.

How much super do I need to retire?

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No matter how close or far away it might be, you've probably dreamt about retirement. But have you considered how much it might cost, and at what age you might have enough to be able to give up the 9-5?

Test your inner investor

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The investor needs quiz is a guide to help you decide how you feel about risk and return, how you may like to plan for your goals and how those decisions may influence the way you invest your super.

12 benefits of super

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There are a number of benefits you can get from your superannuation if you're with the right fund for you, and you’re making sure it’s working for you as best as it can, both in your working life and in retirement.

Super Insider podcast

Our Super Insider podcast is your guide to superannuation, planning for retirement, and what the economy and investment markets mean for your super. Listen now to hear from those in the know.

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