The moments that count

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. 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.

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.

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. 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 3.3 million members as at 31 December 2023. Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. 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. 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.

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, contribution caps that may apply, and tax issues. Consider getting financial advice before deciding what’s right for you. 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.

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

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

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 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. AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848. 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 238145 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. AustralianSuper has over 3.3 million members as at 31 December 2023. See omnystudio.com/listener for privacy information.

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. 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 3.3 million members as at 31 December 2023. 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 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.

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. 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 238145 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. AustralianSuper has over 3.3 million members as at 31 December 2023. See omnystudio.com/listener for privacy information.

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. Member episode disclaimer 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 3.3 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.

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 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 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.

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. 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 particular circumstances, reproduced with their continuing consent. 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.

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.

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. 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. 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.

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. 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. Source: AustralianSuper has 3.2 million members as at 30 June 2023. See omnystudio.com/listener for privacy information.

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. 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. 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.

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

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. 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. 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.

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 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.

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. 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. 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.