Age Pension Australia – understand the rules and how to qualify
Featured episode
24 September 2024
Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know.
Tune in to learn:
- the rules for eligibility
- how Age Pension payments are calculated
- what income and assets are counted
- how to claim through Services Australia
- what to do if your circumstances change.
Whether you’re close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence.
About Super Insider
Your super is key to achieving your best retirement – so how do you make the most of it? Don’t miss Australian Retirement Trust’s Super Insider podcast – your guide to superannuation, planning for retirement, and what the economy and investment markets mean for your super from those in the know.
Join host, Australian Retirement Trust Head of Advice Anne Fuchs, as she interviews super and investment experts to bring you exclusive insights, tips and strategies to help you make the right choices today and feel confident about the future.
Listen on your favourite platform
Other episodes
9 October 2024
Ready to retire? Understand your superannuation options at retirement
Do you know how you’ll set up your finances once you’ve stopped working full time? If you want to understand your options at retirement and how to access your super, this Super Insider episode has been made for you. It’s one of our popular Q&A sessions where we unpack how to plan for the lifestyle you’ve worked your whole life for.
We cover some of our most frequently asked questions like:
- Ready to retire?
- What's the age that I can retire?
- What does preservation age mean?
- How much should I aim to save before I retire?
- How do I start using my super?
- When can I access the Age Pension?
- How will tax affect my income in retirement?
- What's the downsizer super contribution?
- What happens to my super when I pass away?
Whether you’re winding down work, or are planning to retire soon, this is the episode that will keep you on track.
Watch or listen now24 September 2024
Age Pension Australia – understand the rules and how to qualify
Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know.
Tune in to learn:
- the rules for eligibility
- how Age Pension payments are calculated
- what income and assets are counted
- how to claim through Services Australia
- what to do if your circumstances change.
Whether you’re close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence.
Watch or listen now2 September 2024
What's ahead for your superannuation returns: Economist exclusive
On the show we’re peeking behind the curtain of our super investment team to see how they look after members’ money.
Join our host Anne Fuchs and Australian Retirement Trust’s Head of Investment Strategy and Head of Private Corporate Assets as they talk portfolios, investment decisions and the Covid-fuelled rise of the ‘meme stock’.
Listen to learn
- why diversifying investments is important
- how volatility and risk are different
- why asset classes have different risk profiles
- how innovation can create new investment opportunities.
21 August 2024
Invest smarter: Risk vs. returns in superannuation
On the show we’re peeking behind the curtain of our super investment team to see how they look after members’ money.
Join our host Anne Fuchs and Australian Retirement Trust’s Head of Investment Strategy and Head of Private Corporate Assets as they talk portfolios, investment decisions and the Covid-fuelled rise of the ‘meme stock’.
Listen to learn
- why diversifying investments is important
- how volatility and risk are different
- why asset classes have different risk profiles
- how innovation can create new investment opportunities.
29 July 2024
Is financial advice worth it? The power of planning for retirement
In this insightful episode of Super Insider we deep dive into the world of financial advice and retirement planning with Garth Collingwood from River City Financial Planning. Join host Anne Fuchs as she chats with Garth about the most common concerns and misconceptions around professional financial advice.
Highlights
- The number one question Garth gets asked and why the answer isn’t one-size-fits-all.
- Why financial advice is for everyone, regardless of wealth.
- The truth about the cost of financial planning.
- Tips for how to approach retirement with confidence, even if you’re feeling overwhelmed.
3 July 2024
Retire earlier: Superannuation contribution strategies
In this Super Insider episode, we’ll cover how you may be able to retire earlier by adding extra money to your superannuation. Our experts will explain the different types of super contributions. Discover how small contributions can lead to significant growth, ways you may be able to reduce your taxable income and how the government co-contribution scheme supports low-income earners. You’ll also learn how downsizer contributions work, and why you might want to split your super with your spouse.
Here's what’s covered:
- What is the Super Guarantee?
- What are before-tax contributions?
- What are after-tax contributions?
- What's the Federal Government co-contribution?
- What are downsizer super contributions?
- What are spouse super contributions?
- What’s super splitting?
- Where can I get more information?
14 June 2024
Investment markets, interest rates & your super
In this episode, Australian Retirement Trust Chief Economist Brian Parker and Senior Manager of Education Joshua van Gestel, share their knowledge and insights on the current economic outlook including inflation, interest rates and potential investment opportunities.
They also cover:
- how the recent Federal Budget affects your super
- the state of interest rates and inflation, plus
- why this year’s United States election may affect the global economy.
Host Anne Fuchs keeps the conversation lively, ensuring you leave with actionable insights.
Whether you are just starting your career, or nearing retirement, subscribe to Super Insider today and expand your super knowledge. You’ll find us wherever you get your podcasts. PS. Don’t forget to share this with family and friends who might also benefit.
Watch or listen now31 May 2024
Episode 21: Income in retirement – how to access your superannuation
Ever wonder what happens to your super after you retire? You’re not alone. In this episode of Super Insider, Australian Retirement Trust educators Ruth Weaver and Steven Fehring unpack the power of retirement income accounts – also known as account-based pensions – and how to turn your super into a reliable income stream once the pay checks stop.
Tune in to learn the simple rules and surprising benefits of these accounts, so you can plan a stress-free golden age with confidence.
Watch or listen now7 May 2024
Episode 20: Is your superannuation on track?
Is your superannuation on track? Did you know 55% of Australians aren’t sure they’ll have enough super by the time they retire? Research shows you could be better off in retirement if you get on top of your super now. In this episode, Australian Retirement Trust education leaders Ruth Weaver and Joshua van Gestel discuss:
- how to check your super is on track
- why it’s essential to understand your ‘super style’
- ways to unleash your super’s potential
- tools that can help you take the next steps with your super
11 April 2024
Episode 19: How to save tax using your super
Get ready for the end of the financial year with Super Insider. Host Anne Fuchs and guest Steven Fehring share some great ways you could grow your super and save on tax. Here’s a sneak peek of what you’ll learn:
- why putting money into super could help you pay less tax
- what salary sacrifice is and how it works
- how to claim a tax deduction on personal super contributions
04 March 2024
Women’s edition: Super steps – taking charge of your financial freedom
In this special episode we shed light on the importance of women taking control of their financial futures and superannuation. From practical tips like consolidating superannuation funds and maximising contributions, to navigating life events such as transitioning to retirement, this episode shares details to make informed decisions about your financial future.
Join the conversation as we encourage women to prioritise their financial security and inspire confidence in achieving retirement goals. Subscribe to Super Insider now and start your journey towards financial freedom.
Watch or listen now01 March 2024
Investment market outlook - what’s in store for 2024
The economic landscape will keep shifting this year according to many experts. Super Insider is here to help make sense of it all and what it may mean for you. Join us as we tap into the expertise of our Chief Economist Brian Parker, as he tackles questions like:
- How is the economic cycle changing?
- Will we see an end to the global supply chain disruptions?
- What’s the future for inflation and interest rates?
Get set for an insightful chat about Australia’s economic outlook for the year ahead.
Watch or listen now25 Jan 2024
Our top 10 retirement questions answered
Retirement is a phase of life that many of us eagerly look forward to. It’s a time to slow down, relax, and pursue our passions. But with the rising cost of living, it’s essential to make sure that our retirement savings can fund the life we’ve been dreaming about. In the second instalment of our new Q&A series, Australian Retirement Trust Member Education teammates April Smith and Kane Everingham answer our top 10 most asked retirement questions and provide valuable insights and tips to help you retire well with confidence.
So, whether you’re just starting to plan for retirement, or already in the thick of it, watch or listen now to learn how to make the most of your super and enjoy the retirement you deserve.
Watch or listen now15 Jan 2024
Self-managed super funds (SMSFs) or regular super?
If you’re thinking about opening a self-managed super fund (SMSF), check out this episode to learn some common SMSF misconceptions and how the product compares against regular superannuation funds. During the episode our host, Anne Fuchs and Australian Retirement Trust National Education Manager, Joshua van Gestel discuss:
- some of the differences between a SMSF and a regular super fund
- potential costs and work involved with a SMSF
- considerations of a SMSF • benefits of a regular super fund
29 Nov 2023
Super 101: Your questions answered
We have a new addition to Super Insider: our new Q&A episodes. These quick-fire sessions answer our most frequently asked questions and share practical tips and insider knowledge to help you get the most from your superannuation.
Watch or listen now29 Nov 2023
The economy, market volatility and your superannuation
A lot has happened on the global stage since our host, Anne Fuchs, and Chief Economist Brian Parker caught up in August. In this episode, Anne and Brian examine how geopolitical conflicts could affect world economies, the future of inflation and interest rates, and the importance of making informed investment decisions during market fluctuations. Stay informed with this must-listen episode.
Watch or listen now12 October 2023
Protecting your superannuation from scams and fraud
It’s no secret that the internet has revolutionised the way we handle our finances, but it’s also opened the door to scams and fraudulent activities. And when it comes to our hard-earned retirement savings, most of us can’t afford to take any chances. In this episode, join our host Anne Fuchs and Australian Retirement Trust’s Manager of Financial Crimes, Rebecca Mallett and Chief Technology Officer Rod Greenaway as they discuss financial scams, how to spot them and how to keep your superannuation investment and information safe.
Watch or listen now11 September 2023
How to make your money last through retirement
Retirement is a major milestone in most people’s lives. But making sure that our money lasts throughout retirement can be a worry, and sometimes even a challenge. Don’t miss Australian Retirement Trust’s Senior Manager of Advice Delivery, Luke Caruana in conversation with host Anne Fuchs as they discuss how much superannuation is needed to retire comfortably, options for accessing your super in retirement and what you can do to help make your super last.
Watch or listen now14 August 2023
Investment market update August 2023
The economic landscape has experienced significant changes since the beginning of the year. Join Super Insider host Anne Fuchs and Australian Retirement Trust’s Chief Economist, Brian Parker as they break down the latest market developments and investment conditions, interest rate changes, cost of living and what it all means for your super. Past performance is not a reliable indicator of future performance.
Watch or listen now11 May 2023
Transition to retirement – your guide to accessing your superannuation while still working
While many people eagerly look forward to their golden years as a time to relax and enjoy life, the transition from work to retirement needs careful planning.
In this episode, join Australia Retirement Trust’s Member Education Officer, Patrick Dunlop, and our host, Head of Advice and Guidance, Anne Fuchs, as they explore strategies you can use to transition to retirement that allow you to work less while continuing to grow your super.
Watch or listen now8 May 2023
How to choose your superannuation investment options
Your superannuation investment strategy can significantly impact your retirement outcomes. But with so many options available, how do you choose the right one? Join Australian Retirement Trust’s Head of Private Corporate Assets, Elizabeth Kumaru, and Head of Advice and Guidance, Anne Fuchs, as they discuss how super is invested and what you need to consider when choosing an investment approach that suits your needs and retirement goals. Tune in to this must-listen episode to gain valuable insight and take control of your super.
Watch or listen now8 May 2023
Investment market update May 2023
With international markets still uncertain, it’s never been more important to stay informed and take control of your financial wellbeing. Join Australian Retirement Trust’s Chief Economist, Brian Parker, and Head of Advice and Guidance, Anne Fuchs, as they examine the latest market developments, including interest rates, the federal budget and what it all means for your superannuation investment.
Watch on YouTube14 February 2023
What happens to superannuation when you die?
You work hard for your superannuation savings, so what happens if you never get the chance to spend them? Hint: It’s not the same as your other money or investments. Join host Anne Fuchs and super educator Ruth Weaver as they explore what happens to your super when you die and what you can do today to make sure your money goes to who you want when you pass away.
Watch or listen now14 February 2023
Can I use my superannuation to buy a house?
With housing prices rising over the past decade, the Great Aussie Dream of owning a home can seem just that – a dream. But did you know you can use your superannuation account to help save for your first house deposit? In this episode, host Anne Fuchs and super educator Megan Ashenden break down how the First Home Super Saver Scheme works and the pros and cons of taking money from your super to buy your first home.
Watch or listen now8 February 2023
Investment market update February 2023: Outlook for the year ahead
2022 was a wild ride for investment markets with volatility impacting superannuation fund returns, including Australian Retirement Trust’s. Don’t miss Australian Retirement Trust’s Chief Economist Brian Parker in conversation with Anne Fuchs, Head of Advice, as Brian recaps the market ups and downs of 2022 and discusses what the New Year might hold for interest rates, investment markets and your super.
Watch on Youtube2 November 2022
How much superannuation you need to retire – and how to get it
It’s the number everyone wants to know – how much superannuation do I need to retire?
Join Australian Retirement Trust’s National Education Manager Joshua van Gestel and Head of Advice Anne Fuchs, as they crunch the numbers to reveal how much super you need for a comfortable retirement income - and what you can do today to make sure you have enough later.
Watch or listen now1 November 2022
Five easy ways to grow your superannuation today
When it comes to superannuation, most Australians have a “set and forget” approach. But there are simple and easy things you can do today to maximise your super contributions.
Join Australian Retirement Trust Member Education Officer, April Smith, in conversation with Head of Advice, Anne Fuchs, as she shares her top five tips for making the most of your super right now. Future you will thank you.
Watch or listen now19 October 2022
Investment market update October 2022: Interest rates, investment markets and superannuation
Investment market ups and downs are becoming the ‘new normal’ and continue to impact superannuation fund performance, including that of Australian Retirement Trust.
Don’t miss Australian Retirement Trust’s Chief Economist Brian Parker in conversation with Anne Fuchs, Head of Advice, as Brian discusses what’s affected markets in the last quarter, how this has impacted super returns, and what it could mean for your super investment and retirement savings.
Watch on YoutubeAny advice given is provided 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 an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee.
This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, the trustee of the Fund, Australian Retirement Trust ABN 60 905 115 063. Any reference to "QSuper" is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.