Episodes

  • What's ahead for your superannuation returns: Economist exclusive
    Sep 1 2024
    In this episode, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education, Anne Fuchs, and Chief Economist, Brian Parker, explore how global economic trends affect your superannuation and retirement plans. They cover: Why super funds have Chief Economists and their role in managing your retirement savings How economic trends and global events are impacting your super returns How rising inflation impacts your retirement savings, and how it’s managed The long-term economic trends that influence your investment returns How changing demographics and economic volatility shape retirement planning. Join us, and our community of people keen to live their best retirement life, by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS Australian Retirement Trust’s new investment options menu https://www.australianretirementtrust.com.au/investments/options IF YOU LIKED THIS EPISODE YOU MAY LIKE Retire earlier: superannuation contribution strategies Is your superannuation on track – 6 steps to awaken your super WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Brian Parker, Australian Retirement Trust Chief Economist Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals. This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. 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. This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. 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/disclosure or call us on 1300 360 750 for a copy.
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    14 mins
  • Invest smarter - Risk vs. reward in superannuation
    Aug 20 2024
    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 fuel investment opportunities Join our community of people keen to live their best retirement lives. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS Australian Retirement Trust Risk profile quiz https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz Australian Retirement Trust’s new investment options menu https://www.australianretirementtrust.com.au/investments/options Past performance is not a reliable indicator of future performance. This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. 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. This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. 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/disclosure or call us on 1300 360 750 for a copy.
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    24 mins
  • Is financial advice worth it? The power of planning for retirement
    Jul 29 2024
    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. GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au RECOMMENDATIONS What types of financial advice are there? https://www.australianretirementtrust.com.au/advice/options To find a financial adviser who offers the right service for you Financial Advice Association Australia. For tips on working with a financial adviser FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... CREDITS Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Garth Collingwood, River City Financial Planning Principal and Senior Financial Planner. Any advice given by Australian Retirement Trust 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. If you need financial advice about more than just your super, we may refer you to an accredited external financial adviser. Advice of this nature may incur a fee. You can find out more about financial advice options at https://www.australianretirementtrust.com.au/advice/options. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees in the Australian Retirement Trust group. Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined. Any advice given by the guest speaker is provided in their role as the authorised representative of Fintegrity Wealth Advisers Pty Ltd (ABN 89 653 321 487, AFSL 534971). 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 of Australian Retirement Trust. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, trustee of 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.
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    18 mins
  • Retire earlier: Superannuation contribution strategies
    Jul 2 2024
    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: 2.27 What is the Super Guarantee? 3.54 What are before-tax contributions? 7.21 What are after-tax contributions? 10.21 What's the Federal Government co-contribution? 11.22 What are downsizer super contributions? 14.04 What are spouse super contributions? 14.50 What’s super splitting? 20.46 Where can I get more information? Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. RECOMMENDATIONS Australian Retirement Trust Contributions Calculator ATO guidelines on concessional and non-concessional contributions IF YOU LIKED THIS EPISODE YOU MAY LIKE How much super you need to retire, and how to get it FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au CREDITS April Smith, Australian Retirement Trust Member Education Officer Kane Everingham, Australian Retirement Trust Team Leader Member Education Past performance is not a reliable indicator of future performance. Any 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.
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    23 mins
  • Investment markets, interest rates & superannuation changes
    Jun 14 2024
    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. RECOMMENDATIONS Budget 2024-24 https://budget.gov.au/index.htm Parental leave super boost https://qsuper.qld.gov.au/news-hub/articles/2024/05/14/21/38/parental-leave-super-boost What’s changing in super from July 2024? https://www.australianretirementtrust.com.au/learn/education-hub/1-july-2024-superannuation-changes IF YOU LIKED THIS EPISODE YOU MAY LIKE Is your superannuation on track? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-20 How to choose your super options? https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8 FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ.... GET IN TOUCH We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guests: Brian Parker, Australian Retirement Trust Chief Economist and Joshua van Gestel, Australian Retirement Trust Senior Manager of Education. Past performance is not a reliable indicator of future performance. Any 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.
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    22 mins
  • Income in retirement - how to access your super
    May 23 2024
    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. Here's what’s covered: 01:38 What’s an income account? 02:23 What's the difference between superannuation and income accounts? 05:17 What are my payment options? 05:46 How much money do I have to take out? 07:08 How long is my super going to last? 08:34 What are the advantages of an income account? 9:56 Am I eligible to open an income account? 11:10 Can I change my mind? 11:52 Can I have a joint account? 13: 18 When can I open an income account? 14:15 How do I compare income accounts? 17:03 How much can I put into an income account? 17:39 What's the minimum drawdown amount? 18:55 Can I close an income account? 20.03 How do I open an income account? Join our community of people keen to live their best retirement life by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au RECOMMENDATIONS: Moneysmart Retirement Planner https://moneysmart.gov.au/retirement-income/retirement-planner Australian Retirement Trust Retirement Calculator www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you What’s the Retirement Bonus? www.australianretirementtrust.com.au/retirement/getting-ready/income-accounts/retirement/bonus FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1 CREDITS: Ruth Weaver, Australian Retirement Trust Education Manager Steven Fehring, Australian Retirement Trust Member Education Officer Any 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.
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    23 mins
  • Is your superannuation on track? 6 steps to awaken your super
    May 3 2024
    Is your superannuation on track? Did you know 55% of Australians aren’t sure they’ll have enough super by the time they retire? (2) Research shows you could be better off in retirement if you get on top of your super now. (3) 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 #Superannution #Retirement #Super IF YOU LIKED THIS EPISODE YOU MAY LIKE: Super 101: Your questions answered https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-14 Our top 10 retirement questions answered https://www.australianretirementtrust.com.au/learn/super-insider-podcast/episode-16 RECOMMENDATIONS: Awaken your super https://www.australianretirementtrust.com.au/superannuation/awaken-your-super FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388 Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO?si=a7ad97f9c9154539&nd=1 GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover on future episodes. Please email us at podcast@art.com.au CREDITS: Host: Joshua van Gestel, Australian Retirement Trust Senior Manager, Education Guest: Ruth Weaver, Australian Retirement Trust Education Manager Any 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. Before you consolidate your super, please consider if the timing is right to bring your super together, and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications. Past performance is not a reliable indicator of future performance. Investment Trends 2022 Super Member Engagement Report, page 107 2. ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September-November 2022. 3. Superannuation: Assessing Efficiency and Competitiveness report 2018 Productivity Commission
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    20 mins
  • How to save tax using your superannuation
    Apr 10 2024
    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 superannuation 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 is sacrifice and how it works how to claim a tax deduction on personal super contributions Remember, the more you know about superannuation, the more you can plan for your future. Subscribe to Super Insider now. IF YOU LIKED THIS EPISODE YOU MAY LIKE: Can I use my super to buy a house? https://www.australianretirementtrust... How much do I need to retire, and how to get it. https://www.australianretirementtrust... RECOMMENDATIONS: Australian Taxation Office - Caps, limits, and tax on super contributions https://www.ato.gov.au/individuals-an... https://www.ato.gov.au/individuals-an... Money Smart – Tax and super https://moneysmart.gov.au/how-super-w... Australian Retirement Trust – Reportable super contributions https://www.australianretirementtrust... FOLLOW SUPER INSIDER: Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ.... GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au CREDITS: Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Steven Fehring, Australian Retirement Trust Member Education Officer Any 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. Marginal tax rates in this episode include the medicare levy of 2%. Tax rates may change in the future. See ato.gov.au for more information. Contribution rules and limits may change in the future. Eligibility and conditions apply. See ato.gov.au for more information.
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    8 mins