Super Insider

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

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 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.

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 super 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.

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. IF YOU LIKED THIS EPISODE YOU MAY LIKE: How to choose your super investment options https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-8 How much super you need to retire, and how to get it https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3 RECOMMENDATIONS: Australian Retirement Trust market update and news https://www.australianretirementtrust.com.au/investments/market-watch 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: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Brian Parker, Australian Retirement Trust Chief Economist 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.

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. QUESTIONS 1:40 What age can I retire? 3.33 How much super do I need to retire? 7.23 How do I know if I’m on track? 9.33 What can I do if I’m not on track? 9.40 What are some ways I can grow my super? 10.53 What rules are there for accessing your super? 12.21 Should I fully retire or semi-retire? 14.25 How does a transition to retirement account work? 15.47 What’s a transition to retirement strategy? 17.02 Is it easy to plan your retirement yourself? 18.28 (Bonus question) Where to next? IF YOU LIKED THIS EPISODE, YOU MAY LIKE: Five easy ways to grow your super today How much super you need to retire – and how to get it Transition to retirement – your guide to accessing your super while still at work RECOMMENDATIONS: Association of Superannuation Funds of Australia Retirement Standard via SuperGuru.com.au Australian Retirement Trust Retirement Forecaster FOLLOW SUPER INSIDER on Apple Podcasts and Spotify GET IN TOUCH: We’d love your feedback for Super Insider including 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: April Smith, Member Education Officer, Kane Everingham, Team Leader Member Education 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. 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.

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 super 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 IF YOU LIKED THIS EPISODE, YOU MAY LIKE: How to choose your super investments Can I use my super to buy a house? RECOMMENDATIONS: Self-managed super funds What is a self-managed super fund? Winding up an SMSF FOLLOW SUPER INSIDER on Apple Podcasts and Spotify GET IN TOUCH: We’d love your feedback for Super Insider including 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: Joshua van Gestel, Australian Retirement Trust National Education Manager 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. 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.

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 super. QUESTIONS 0:01:39 How does superannuation work? 0:04:01 What are the benefits of combining my super? 0:05:36 How can I compare super funds? 0:09:22 How do I choose the right investment option? 0:11:50 When is preservation age and when can I access my super? 0:13:24 What happens to my super when I die? 0:15:27 How and how often should I be engaging with my super? IF YOU LIKED THIS EPISODE, YOU MAY LIKE: Transition to retirement – your guide to accessing your super while still at work What happens to super when you die? RECOMMENDATIONS: MoneySmart: Choosing a super fund Nominate a beneficiary FOLLOW SUPER INSIDER on Apple Podcasts and Spotify GET IN TOUCH: We’d love your feedback for Super Insider including 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: April Smith, Member Education Officer, Kane Everingham, Team Leader Member Education 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. 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.

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. IF YOU LIKED THIS EPISODE YOU MAY LIKE: How to choose your super investment options How to make your money last through retirement FOLLOW SUPER INSIDER on Apple Podcasts and Spotify GET IN TOUCH: We’d love your feedback about Super Insider, including 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: Brian Parker, Australian Retirement Trust Chief Economist 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. 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. For Super Savings account holders, employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at australianretirementtrust.com.au/fsgfor more information. For QSuper account holders, you can find out more about financial advice options at qsuper.qld.gov.au/advice or by calling us on 1300 360 750. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of QInvest Limited. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at qsuper.qld.gov.au/disclosure for more information.

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. IF YOU LIKED THIS EPISODE YOU MAY LIKE: Five easy ways to grow your super today What happens to super when you die? RECOMMENDATIONS: Learn more about keeping your super safe on our Protect yourself against fraud web page. 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: Executive General Manager, Advice, Guidance and Education, Anne Fuchs Guest speakers: Australian Retirement Trust’s Manager of Financial Crimes, Rebecca Mallet, and Chief Technology Officer, Rod Greenaway. 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. 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.

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 Best Practise, Luke Caruana in conversation with host Anne Fuchs as they discuss how much super is needed to retire comfortably, options for accessing your super in retirement and what you can do to help make your super last. IF YOU LIKED THIS EPISODE YOU MAY LIKE: How much super you need to retire – and how to get it Transition to retirement – your guide to accessing your super while still at work Read more about downsizer contributions: What is a downsizer contribution? GET IN TOUCH: Feedback? We’re listening. Email us at podcast@art.com.au or go to our website at art.com.au. 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. 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. Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance. For Awards details, please see more information here: Awards. For Super Savings account holders, employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at australianretirementtrust.com.au/fsg for more information. For QSuper account holders, you can find out more about financial advice options at qsuper.qld.gov.au/advice or by calling us on 1300 360 750. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of QInvest Limited. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at qsuper.qld.gov.au/disclosure for more information. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees, costs, and taxes (where applicable). For performance details, please see more information here: Investment performance. Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding. Taxes may be payable in foreign countries in respect of income derived from non-Australian investment earnings, and a penalty tax on notional earnings may apply if you have a high total balance in one or more superannuation retirement pensions.

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. For Super Savings account holders, employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at australianretirementtrust.com.au/fsg for more information. For QSuper account holders, you can find out more about financial advice options at qsuper.qld.gov.au/advice or by calling us on 1300 360 750. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of QInvest Limited. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at qsuper.qld.gov.au/disclosure for more information. 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. 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.

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 superannuation. 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 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.

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 superannuation 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. 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 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.

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. 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 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.

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. 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 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.

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. 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 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.

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. 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 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.

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. 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 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.

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 5 tips for making the most of your superannuation right now. Future you will thank you. 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 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. 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.

Investment market ups and downs are becoming the ‘new normal’ and continue to impact super 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 superannuation returns, and what it could mean for your super investment and retirement savings. 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 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.