Inside Super: Recent Episodes
QSuper
When your superannuation statement arrives each year, you might file it away without much thought. But it’s your money and having a plan to build up your super can really add up in the long run. Should you add extra money into your account alongside your employer’s contributions? How can you rebuild your balance if you've taken money out? And how do you talk to the people you love about your super plans? Learn more about the ways you could improve your financial future with our team of specialists. They cover everything from how much super you may need to retire, to whether your super investments can do good in the world while safeguarding your future. Inside Super is your guide to superannuation, made simple.
Superannuation – it’s generally not something that people think about much, until they need it. But will you have enough to retire on? What if you need it early? And is your money safe? Inside Super – the podcast that makes sense of superannuation - brought to you by host Robin Bailey and a team of experts from QSuper. With helpful information and insights, it’s an easy way to understand and feel more confident about what could be one of your biggest financial assets.
This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish – September 2020.
The Coronavirus is having a significant impact on financial markets around the world and that’s making some people worried about their savings. A lot of questions boil down to – is my money safe? Join host Robin Bailey and the QSuper Team as they answer the big questions about super – the ones that are on your mind and maybe even some you didn’t know to ask... For more information outlined in this episode, learn more at the following site: www.qsuper.qld.gov.au/investments This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish - September 2020.
Talking about money with the people you love may be awkward at times. And we know superannuation doesn’t feel like the most exciting date-night topic. But when you think about it in terms of planning your future with the love of your life – it is pretty romantic. In this episode, Inside Super host Liz Ellis and QSuper’s Megan Ashenden and Luke Caruana share:
Ideas for talking about money and super with your partner
Ways to help overcome super balance inequality (especially for partners taking parental leave or earning a lower income)
Who else you should consider talking to about super
Tips for planning your family’s financial future.
For more information outlined in this episode, please visit the following sites:
qsuper.qld.gov.au/super/Nominate-Beneficiaries
humanrights.gov.au/our-work/gender-gap-retirement-savings
moneysmart.gov.au
Inside Super is a QSuper podcast. It’s your guide to superannuation, made simple. Produced with Deadset Studios. Any case studies are provided for illustrative and educational purposes only. Additionally, figures may be rounded for ease of understanding. This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish – August 2021.
If you’re searching for ways to make a positive contribution to people and the planet, the answer could lie in where your superannuation is being invested. Inside Super host Liz Ellis is keen to learn about socially responsible investment options, so she’s called in QSuper Lead Sustainable Investment Strategist Hunter Page. In this episode, Hunter explains:
Ways to avoid investing in industries that clash with your values
The difference between passive and active investment strategies
Steps to switching to a socially responsible option, and
Ideas for having a real-world impact with your super.
For more information outlined in this episode, please visit the following sites:
qsuper.qld.gov.au/SociallyResponsible
iea.org
usgbc.org/projects/trellis-house
deloitte.com/au/en/pages/economics/articles/new-choice-climate-growth.html
Inside Super is a QSuper podcast. It’s your guide to superannuation, made simple. Produced with Deadset Studios. This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish – August 2021.
What’s your perfect retirement look like? Whether you want to caravan around the country, dive the Great Barrier Reef, or happily enjoy your own home, the first step to reaching that goal could be setting your superannuation on the right track. Join Inside Super host Liz Ellis as she asks the QSuper team all the big questions, like: Is it worth adding extra money to my super every payday? Why is my partner’s super balance so much bigger than mine? How do I rebuild my balance if I have to access my super early? Is it possible for my investments to do good in the world, as well as protecting my future? Inside Super is a QSuper podcast. It’s your guide to superannuation, made simple. Produced with Deadset Studios. This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish – August 2021.
These are unprecedented times. Withdrawing your super early probably wasn't a first resort for a lot of people, but hundreds of thousands of Australians have done it. Have you? And what impact will that have on your retirement? Join host Robin Bailey and The QSuper Team as they tackle early access super schemes. For more information outlined in this episode, learn more at the following sites: www.moneysmart.gov.au www.ato.gov.au https://qsuper.qld.gov.au/super/early-access
This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish - September 2020.
There are lots of reasons you might need early access to your superannuation savings. Illness, injury, financial hardship – and many Australians withdrew money under the COVID-19 early access scheme. QSuper Member Education Officer April Smith joins Inside Super host Liz Ellis to share ideas that could help get your retirement plans back on track. The chat includes:
How to review your investment strategy
Working out if you’re on track for retirement
Tips that may help boost your balance
A surprising revelation from April.
For more information outlined in this episode, please visit the following sites:
qsuper.qld.gov.au/super/Early-Access (Eligibility and conditions apply)
qsuper.qld.gov.au/Insurance (Eligibility and conditions apply)
superguru.com.au
my.gov.au
Inside Super is a QSuper podcast. It’s your guide to superannuation, made simple. Produced with Deadset Studios. Before you consolidate your super, please consider if withdrawing savings from your current fund/s could lock in a previous investment loss. You should also check with your other fund/s if you will lose access to benefits such as insurance or pension options, if the other fund/s will charge you exit penalties or fees, or if there are tax implications. Any case studies are provided for illustrative and educational purposes only. Additionally, figures may be rounded for ease of understanding. This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish – August 2021.
How much super do you need to retire? Figuring out a plan that allows you to live the life you want once you stop working may be easier than you think. QSuper Member Education Officer Steven Fehring shares his tips with Inside Super host Liz Ellis – and it turns out there are plenty of ideas to help you get there. In this episode you’ll learn:
The difference between a ‘comfortable’ and a ‘modest’ retirement
The three phases of retirement, and why it’s worth planning for them
How to transition to retirement using your super
Some surprising new ways to think about super and your future.
For more information outlined in this episode, please visit the following sites:
qsuper.qld.gov.au/LifetimePension (Eligibility and conditions apply)
qsuper.qld.gov.au/Calculators
superguru.com.au
myagedcare.gov.au
Inside Super is a QSuper podcast. It’s your guide to superannuation, made simple. Produced with Deadset Studios. This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish – August 2021.
How much is in your super? How has it grown this year...last year...the last 5 years? Where is it invested? Have you got any lost or unclaimed super? Join host Robin Bailey and the QSuper team as they navigate superannuation and why it’s so important that everyone, yes everyone, knows how their super works – and how to make it work for them! For more information outlined in this episode, learn more at the following sites: www.my.gov.au www.ato.gov.au www.qsuper.qld.gov.au
This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish - September 2020.
Scams. They’re a multi-million dollar business in Australia and it’s not just your bank account information that scammers could be after – it could be your super details. Join host Robin Bailey and a team of QSuper experts as they deep dive into scams and discover simple tips to help protect yourself from security threats that you might not even have realised are there… For more information outlined in this episode, learn more at the following sites: www.moneysmart.gov.au www.scamwatch.gov.au www.qsuper.qld.gov.au www.qsuper.qld.gov.au/security
This material and any advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QInvest). QInvest is ultimately owned by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840) as trustee for Australian Retirement Trust (ABN 60 905 115 063). This material is current at the time of first publication. Any advice is general only, so it does not take into account your personal objectives, financial situation, or needs. Before you make any decision about whether to acquire any financial product, you should obtain and read the relevant product disclosure statement (PDS). For more information, refer to the Financial Services Guide, available at QInvest.com.au. PDS and target market determinations for QSuper products are available at qsuper.qld.gov.au/calculators-and-forms/publications. Where necessary, consider seeking professional advice tailored to your individual circumstances. At the time of recording, the person(s) speaking on behalf of QInvest were representative(s) of QInvest. You may use this material for personal, non-commercial purposes only. You may not otherwise use or distribute this information for another purpose without first obtaining our written consent. Date of publish - September 2020.