The moments that count

Women and super: how to take charge of your future

Wed, 04 Mar 2026 19:00:00 +0000

Women are retiring with less super on average. But a few smart choices at the right moments can make a real difference.

In this episode, we unpack the gender super gap and the key life stages where super can take a back seat - from starting your first job to parental leave, to unexpected life changes and planning for retirement. Host Shane Hancock and Education Manager Michelle Kelada share simple tips to stay connected to your super and build confidence in your financial future.

Whether you’re early in your career or thinking about what’s next, this episode shows how small moves today can add up over time to help you make the most of the moments that count.

Want to learn more?

👉 Visit https://www.australiansuper.com/women

👉 Use the super projection calculator: https://www.australiansuper.com/calculator

For more tools, tips and resources from AustralianSuper, visit www.australiansuper.com

If you have a question you’d like answered on the podcast, send us a message at www.australiansuper.com/story

🎧 Subscribe now so you don’t miss an episode.

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

The super number that matters most

Mon, 23 Feb 2026 23:49:11 +0000

It’s easy to focus on how much your super earns, but the real story is how much you keep. In this episode, we unpack the number behind the numbers and why it makes a big difference in how your super grows over time.

Host Shane Hancock and Education Manager Peter Treseder explain why this is one of the most meaningful ways to understand how your fund is working for you and how small differences today can have a big impact on your future balance. Plus, learn some simple steps you can take to stay in control of your super.

Want to learn more?
👉 Read about net benefit: https://www.australiansuper.com/superannuation/superannuation-
articles/2020/03/net-benefit-and-your-super
👉 Learn about investment options: https://www.australiansuper.com/investments/your-investment-options
👉 Use the Investment risk profiler tool: https://www.australiansuper.com/riskprofiler

For more tools, tips and resources from AustralianSuper, visit www.australiansuper.com
If you have a question you’d like answered on the podcast, send us a message at www.australiansuper.com/story

🎧 Subscribe now so you don’t miss an episode.

Past performance isn’t a reliable indicator of future returns. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

See omnystudio.com/listener for privacy information.

Tax time super tips

Wed, 21 May 2025 20:00:00 +0000

Adding extra to your super before the end of the financial year could help you save on tax, as well as boost your super balance. And there are a few ways to do so, depending on your personal circumstances. In this episode, host Shane Hancock sits down with Education Manager Michelle Kelada to discuss the different ways to add to super and the potential tax benefits of each.

For more information about adding extra to super, visit australiansuper.com/grow

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you.

Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice. Some strategies discussed in this episode (including government co-contributions and potential tax benefits) are subject to eligibility criteria, contribution caps and your individual circumstances. The benefits described may not apply to all members of the Fund.

This information is general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Market volatility and your super

Fri, 11 Apr 2025 03:59:00 +0000

Global markets are currently experiencing more volatility, largely due to geopolitical developments and US trade policy. So what does this mean for your super

Hear from host Shane Hancock and AustralianSuper’s Head of Asset Allocation, Alistair Barker, as they discuss how market volatility can affect your super balance, the benefits of staying invested, and why it’s important to think about the long term.

Helpful resources

Market volatility: australiansuper.com/market-volatility

Understanding the risks of switching:australiansuper.com/investments/investment-articles/2021/10/understanding-switching-risks

Your advice options: australiansuper.com/advice

Risk profile tool: australiansuper.com/risk-profiler

If you’d like a question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

In relation to the AustralianSuper Balanced option (Super) – long-term performance over 20 years to 31 March 2025:AustralianSuper investment returns are based on crediting rates, which are returns less investment fees and costs, transaction costs, the percentage-based administration fee deducted from returns from 1 April 2020 to 2 September 2022 and taxes. Returns don’t include all administration, insurance and other fees and costs that are deducted from account balances. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006. Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘I had to consider every dollar’: Kathryn’s path to semi-retirement

Mon, 16 Sep 2024 20:00:00 +0000

With a long career in the world of performing arts, Kathryn often faced times of financial stress with short-term contracts, unpaid gigs, and a mortgage she struggled to keep on top of. Her super wasn’t top of mind until she realised she needed to be able to support herself without relying on anyone else.

Now, she’s come out the other side – enjoying her semi-retirement with a paid-off home and casual work that brings her joy.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.4 million members as at 30 June 2024.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, and tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Retiring with confidence – why your wellbeing matters

Mon, 19 Aug 2024 20:00:00 +0000

Money is just one piece of the puzzle when it comes to planning for the next phase of your life. Your wellbeing is an important factor when it comes to achieving the lifestyle you want. Join host Shane Hancock and Dr Elizabeth Clancy from Transitioning Well as they discuss the current retirement landscape in Australia, common concerns, and the four fundamentals for wellbeing in retirement.

To learn more about the topics covered in this episode, check out our Elements of Retirement guide for more information: https://www.australiansuper.com/elements-of-retirement/get-started/elements/lifestyle-and-wellbeing

For more information on Transitioning Well, you can find them on LinkedIn and Facebook.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

The views expressed in this podcast are those of the interviewee based on their experience and expertise and not AustralianSuper.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

Australian Bureau of Statistics, Retirement and Retirement Intentions, Australia 2022-23. Released May 2024.

AustralianSuper Retirement Research Study, (survey of 2001 pre-retirees) February 2024.

See omnystudio.com/listener for privacy information.

'I’ve never been busier in my life': How Peggy is embracing retirement

Mon, 22 Jul 2024 20:00:00 +0000

Peggy’s circumstances changed dramatically in the lead up to her semi-retirement. Caring for her elderly mother and a cycling accident left her struggling to work and unable to think about her future. She thought retirement would be boring, but a few years later, she’s busier than ever before and enjoying the next stage of her life.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Do you know where your super stands?

Wed, 26 Jun 2024 20:00:00 +0000

Your superannuation could be one of the biggest assets you’ll accumulate in your lifetime, so it’s a good idea not to ‘set and forget’ your account. Taking a few minutes to get on top of it now could make a big difference in the future. Join host Shane Hancock and Education Manager Peter Treseder as they cover five considerations for taking control of your super.

Take your Super Snapshot at australiansuper.com/supersnapshot

Check out the tools and calculators mentioned in this episode at australiansuper.com/calculators

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

The insurance cover provided automatically is based on your division, age, account balance and if you are receiving employer contributions. You can apply to increase, decrease, cancel or change your cover anytime. Age limits and other conditions apply. Read the Insurance in your super guide for more information. AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘I couldn't cope with it’: Ross’ challenging transition to retirement

Mon, 03 Jun 2024 20:00:00 +0000

A motorcycle accident five years ago changed the course of Ross’ life, forcing him into semi-retirement. For over 20 years, he successfully ran his own businesses, where paying himself super was low on the list of priorities. Despite the lasting impacts of his accident, Ross’ resilience and determination are powering him towards his retirement goals.

To find out more about AustralianSuper visit australiansuper.com

Please note this episode touches on issues around mental health, depression and anxiety, and some listeners may find this confronting. If you or someone you know need support, please reach out to Lifeline on 13 11 14.

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that
outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘It's good to save for your future’: How Kulwant set himself up for retirement

Mon, 08 Apr 2024 20:00:00 +0000

Kulwant and his wife migrated to Australia in 1992 with their young and growing family. Although daunting, settling into a new city and finding a job didn’t faze him – and neither did understanding the value of growing his super account. Happily retiring three years ago, he’s now busier than ever chasing after his young grandchildren and enjoying retirement.

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Understanding insurance through super

Mon, 25 Mar 2024 19:00:00 +0000

Having the right insurance cover can give you peace of mind that you’ll have money when you need it most. Many Australians have some level of cover through their super fund. Host Shane Hancock chats to Head of Insurance Richard Land about the types of insurance available, how to work out how much cover you need, and other considerations.

To use AustralianSuper’s Insurance Calculator, visit australiansuper.com/InsuranceCalculator

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

AustralianSuper has over 3.3 million members as at 31 December 2023.

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

The cover provided automatically is based on your division, age, account balance and if you are receiving employer contributions. You can apply to increase, decrease, cancel or change your cover anytime. Age limits and other conditions apply. Read the Insurance in your super guide for more information.

Richard references the Superannuation Guarantee for the 2023-24 financial year. Latest information is available at https://www.australiansuper.com/superannuation/superannuation-articles/2024/07/understanding-the-superannuation-guarantee

There’s no charge for general advice about your super account. The financial advice you receive will be provided by Link Advice Pty Limited ABN 36 105 811 836, AFSL 258145 and will be their responsibility. Personal product advice provided may attract a fee, which will be outlined before any work is completed and is subject to your agreement.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market
Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘The minute you stop work, you start a new life’: Carolyn & Jeff’s tips for retirement

Mon, 11 Mar 2024 19:00:00 +0000

Working at the Tax Office brought Carolyn and Jeff together – and years later, gave them the opportunity to retire together when both were offered redundancies from their executive roles. Ten years later, they’re living life to the fullest, with their super knowledge playing an important role in helping them achieve the lifestyle they always wanted.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

Salary sacrifice may affect some Government benefits and employee benefits. Consider getting financial advice before deciding if a salary sacrifice arrangement is right for you.

Transition to Retirement (TTR) can be complex and isn’t suited to everyone. It’s a good idea to get financial advice before deciding if a TTR Income account is right for you.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision, consider if the information is right for you and read the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898. 

See omnystudio.com/listener for privacy information.

Help and advice through super

Mon, 19 Feb 2024 19:00:00 +0000

Getting help and advice can help you achieve the lifestyle you want, both now and in the future. Everyone’s financial situation is different, so it can be tricky to know where to start and when to seek help. In this episode, host Shane Hancock chats to Head of Guidance and Advice Ross Ackland to break down the help and advice options available to AustralianSuper members, when to consider seeking advice, and how the financial advice process works.

To learn more about AustralianSuper’s help and advice options, visit australiansuper.com/advice.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story.

To find out more about AustralianSuper visit australiansuper.com.

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about advice services is in the relevant Financial Services Guide available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Some personal advice may attract a fee, which would be outlined before any work is completed and is subject to your agreement. With your approval, the fee for advice relating to your AustralianSuper account may be deducted from your AustralianSuper account subject to eligibility criteria.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market
Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

AustralianSuper has over 3.3 million members as at 31 December 2023.

See omnystudio.com/listener for privacy information.

‘Don’t be scared of the numbers’: How Warwick’s planning his move from self-employed to semi-retired

Mon, 05 Feb 2024 19:00:00 +0000

After a decade working in corporate IT, Warwick knew his heart just wasn’t in it. He took a risk and decided to pursue his passion, becoming a self-employed professional speaker. While paying himself super wasn’t high on the priorities list, he knew the numbers were important and made sure to regularly review his super to maximise the benefits. Twenty years later, he’s ready for the next phase of his life, semi-retirement.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Your retirement questions answered

Mon, 22 Jan 2024 19:00:00 +0000

From how much super is enough to how your super is invested, there’s a lot to consider when it comes to retirement planning. In this episode, host Shane Hancock sits down with financial adviser Fern Havea to answer a range of commonly asked questions we receive from members approaching retirement.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Transition to Retirement (TTR) can be complex and isn’t suited to everyone. It’s a good idea to get financial advice before deciding if a TTR Income account is right for you.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market
Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘I never looked at preparing myself financially’: Kiriaki’s journey to retirement

Mon, 08 Jan 2024 19:00:00 +0000

During her working life as a teacher, retirement was the last thing on Kiriaki’s mind. Her super took a backseat as she faced the financial struggles of raising her young family as a single mother while working hard to pay the mortgage and bills. Now, a few years off 60 and enjoying semi-retirement, she’s finally had time to think about what the next chapter of her life holds.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

AustralianSuper has 3.3 million members as at 30 September 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Understanding downsizer contributions

Mon, 18 Dec 2023 20:00:00 +0000

Thinking about downsizing your home? Eligible Australian homeowners can boost their retirement savings by contributing money from the sale of their home into super. In this episode, host Shane Hancock chats with financial adviser Chelsea Fletcher about how downsizer contributions work, the eligibility criteria and some things to consider.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information is in the IFS Financial Services Guide available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market
Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

If you’re aged between 55 to 64, you will not be able to access your downsizer contribution until you meet a condition of release from super. Find out more at ATO.gov.au

AustralianSuper data as at 30 June 2023.

See omnystudio.com/listener for privacy information.

'You have to prepare': How Warren’s living life to the fullest in retirement

Mon, 04 Dec 2023 19:00:00 +0000

After a varied career in the corporate world, Warren had the opportunity to take an early retirement package from his employer. Leading up to this moment, he put serious thought into what life after work would look like for him – not wanting to find himself with nothing to do. A few years down the track, he’s busier and more active than ever, with lots to look forward to.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

AustralianSuper has over 3.2 million members as at 30 September 2023.

See omnystudio.com/listener for privacy information.

Are you eligible for the Age Pension?

Mon, 20 Nov 2023 20:00:00 +0000

Many retired Australians qualify for some level of the Government Age Pension. If you’re one of them, you could potentially use it to top up your super to support your retirement. In this episode, host Shane Hancock chats with financial adviser Steve Lambou about what the Age Pension is, how it works, and the various eligibility requirements.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information is in the IFS Financial Services Guide available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

Source: AustralianSuper has 3.2 million members as at 30 June 2023.

See omnystudio.com/listener for privacy information.

‘That money keeps growing’: Lisa on super’s starring role in her semi-retirement

Mon, 06 Nov 2023 20:00:00 +0000

Lisa has lived her dream of being a professional actor, with roles on many well-known Australian TV series. But the uncertainty of an actor’s life led Lisa into the corporate world. She also made sure her super took centre-stage, making extra contributions and salary sacrificing along the way. Today at 64, she’s happily semi-retired, which is proving to be her favourite role so far.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent. 

Salary sacrifice may affect some Government benefits and employee benefits. Consider getting financial advice before deciding if a salary sacrifice arrangement is right for you.

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

What happens when you retire earlier than planned?

Mon, 16 Oct 2023 20:00:00 +0000

Unplanned retirement may come about due to illness, injury, family responsibilities or retrenchment. Others may have had enough of working and want to take control of their retirement journey. For a lot of people this can be overwhelming, but help is at hand. Host Shane Hancock chats to financial adviser Helen Harrison about the options and resources available to you, including accessing your super.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Early retirement data from Retirement and Retirement Intentions, Australia, 2020-21 Report, Australian Bureau of Statistics.

Transition to Retirement (TTR) can be complex and isn’t suited to everyone. It’s a good idea to get financial advice before deciding if a TTR Income account is right for you.

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information is in the IFS Financial Services Guide available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

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‘Advice was the most important thing’: Michael’s top tip in planning for retirement

Mon, 02 Oct 2023 20:00:00 +0000

Michael is 64 and has recently gone back into full time employment while his wife begins her retirement. Currently loving his work with a charity that reduces food waste, he’s previously had a long and varied career across government, logistics, small business ownership and being a stay-at-home dad. Having cashed out his super earlier in his working life he had to build his balance back up from zero, managing family life, a new career and health issues along the way. Through the help of a financial adviser, Michael was able to confidently plan for retirement before choosing to re-enter into the workforce.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent. 

*AustralianSuper members as at June 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898. 

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The investment decisions behind super

Mon, 18 Sep 2023 21:00:00 +0000

Have you ever wondered how investment decisions are made? Or how investment performance can affect retirement outcomes? In this episode host Shane Hancock chats to Head of Portfolio Construction Justine O’Connell. They discuss the process of investing members’ money, different types of assets, the impact of scale and active management as well as the importance of taking a long-term view.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns. APRA Quarterly superannuation fund level statistics June 2025. Released 9 September 2025.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘I needed to start being serious about it’: David’s proactive approach to super later in life

Mon, 04 Sep 2023 21:00:00 +0000

Arriving in Australia 60 years ago, David walked into a job at Ford, ultimately rising to senior management before his first retirement. A second career beckoned in automotive technology research for the CSIRO, followed by another retirement stint. Finally, he embarked on a third career as an English teacher to medical professionals. David’s significant life experience has seen him living and working through recessions and other significant milestones. Having worked well into his 70s, today he’s a content self-funded retiree with many life lessons to share.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.  AustralianSuper membership data as at 30 June 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898. 

See omnystudio.com/listener for privacy information.

What happens to your super if you die?

Mon, 14 Aug 2023 21:00:00 +0000

Do you know what happens to your super if you die? This is a common question from members, and while talking about death is never an easy topic, it’s an important conversation to be having. Host Shane Hancock chats to Education Manager Jaclyn Livingstone about whether super is covered by your will, the process of choosing a beneficiary and what else you should be aware of.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘It’s opened my eyes’: How meeting with a financial adviser helped Lisa picture her best retirement

Mon, 31 Jul 2023 21:00:00 +0000

Lisa isn’t quite ready to fully retire, but knows she’s in a great place when the time comes. A designer and creative, she’s recently made the choice to reduce her hours, but not her enjoyment with creative work. Meeting with a financial adviser has helped her better understand spending habits and how to design the retirement she wants, which she plans to fill with sculpture, writing scripts and music festivals.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.2 million members as at 30 June 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

When can you access your super?

Mon, 17 Jul 2023 21:00:00 +0000

Do you know when you can access your super? Host Shane Hancock talks to Education Manager Peter Treseder about what to be aware of when it comes to accessing your super – from age requirements through to some of the options you could choose from to help manage your money in retirement.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘Live your life, enjoy your life’: A challenging path to retirement, but Andrea’s still smiling

Mon, 03 Jul 2023 21:00:00 +0000

We usually think of super for our retirement, but in Andrea’s case it was literally a lifesaver. Andrea’s super helped with her medical bills, giving her the chance to recover as she fought cancer. Today she’s still living with cancer but considers herself one of the lucky ones. But that’s just part of her remarkable story. Hear how this former fashion retailer with no super eventually became a local council mayor and remained positive in the face of several personal challenges along the way to retirement.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

AustralianSuper has 3.1 million members as at 31 March 2023

See omnystudio.com/listener for privacy information.

Should you get financial advice after you’ve retired?

Mon, 19 Jun 2023 21:00:00 +0000

Shane sits down with Financial Planner Dale Barratt to talk through the reasons why someone might need to start or continue receiving financial advice during their retirement years. From changes to your situation, to considering social security benefits, there are lots of reasons why advice could help after you’ve retired.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about advice services is in the relevant Financial Services Guide, available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

The views expressed are those of the speakers at the time of recording. While accurate at the time, speakers may no longer be employed by AustralianSuper or authorised representatives of Industry Fund Services.

See omnystudio.com/listener for privacy information.

‘I thought, I’ve left it too late’: The moment Debra decided to retire

Mon, 05 Jun 2023 21:00:00 +0000

After a series of events, Debra made the decision to retire and hasn’t looked back since. She doesn’t know how she managed to fit in work now that she has such a full and busy retirement. Hear how Debra has settled into retirement and her plans for the future.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Super and redundancy

Mon, 15 May 2023 21:00:00 +0000

Ever wondered what happens to your super if you get made redundant from your job? Host Shane Hancock chats with Financial Planning Manager Natashya Vikram about how you could manage your super if you’re affected by redundancy.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about advice services is in the relevant Financial Services Guide, available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

Source: AustralianSuper has 3.1 million members as at 31 March 2023.

See omnystudio.com/listener for privacy information.

‘I wish I had done it earlier’: Eric on enjoying life in retirement

Mon, 01 May 2023 22:00:00 +0000

Eric was made redundant in his 50s. And then he was made redundant again four years later. After the second time, he decided it was time to retire and focus on what makes him happiest. Best of all, he’d saved up enough super over the years to ensure he could retire comfortably, play more golf, and go on European holidays with his wife.

Hear about the steps Eric and his wife took to achieve financial freedom in retirement.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

AustralianSuper members as at December 2022.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘It was horrendous’: How Elaine lost everything and rebuilt her finances

Mon, 03 Apr 2023 22:00:00 +0000

Due to unfortunate circumstances, Elaine and her husband, Max, lost their business, home, car and life savings while they had two young children. A few years later, Max was diagnosed with terminal cancer. Elaine and Max worked hard to set the family up financially before he passed. Hear how they achieved financial security and how Elaine’s managed her money and sought advice in the lead up to her retirement.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

AustralianSuper has over 3 million members as at December 2022.

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about advice services is in the relevant Financial Services Guide, available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives.

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

How much super do you need in retirement and when should you start planning?

Mon, 13 Mar 2023 21:00:00 +0000

Host Shane Hancock sits down with financial adviser Helen Harrison to talk about how much super someone needs in retirement. Helen and Shane also discuss when it’s a good time to start preparing for retirement and some quick ways you can start the planning process.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Helen references the ASFA Retirement Standard, September quarter 2022. The latest ASFA Retirement Standards are available at superannuation.asn.au/resources/retirement-standard/

Source: AustralianSuper membership as at 31 December 2022.

AustralianSuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of AustralianSuper. Advice is provided by financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information is in the IFS Financial Services Guide available by calling 1300 138 848. IFS is responsible for any advice given to you by its Authorised Representatives

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

‘I’m financially independent’: How John found financial freedom in retirement

Tue, 28 Feb 2023 21:02:00 +0000

After a fulfilling and passionate career, AustralianSuper member John has been enjoying retirement for the past 11 years. And although he’s financially independent, he’s still picking up the odd job here and there to keep things interesting. Hear about when John started thinking about retirement, the steps he took to save more super, and how frequently he sees his financial adviser.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.

See omnystudio.com/listener for privacy information.

‘Create a dream’: How Karen planned for retirement

Tue, 28 Feb 2023 21:00:00 +0000

AustralianSuper member, Karen, has had a diverse career – from teaching aerobics to running an online store. At 67 she’s now enjoying retirement, spending time with the grandkids and making travel plans for the next few years.

As a single mum, Karen’s always been conscious of her finances. Hear how Karen started preparing for retirement and the things she wished she’d done differently.

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their particular circumstances, reproduced with their continuing consent.

Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.

See omnystudio.com/listener for privacy information.

Trailer

Wed, 15 Feb 2023 04:55:39 +0000

Welcome to The moments that count, a podcast by AustralianSuper.

See omnystudio.com/listener for privacy information.