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.

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 <a href="https://www.australiansuper.com/story">australiansuper.com/story</a>
To find out more about AustralianSuper visit <a href="https://www.australiansuper.com/">australiansuper.com</a>
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 <a href="https://www.australiansuper.com/pds">australiansuper.com/pds</a> 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 <a href="https://www.australiansuper.com/TMD">australiansuper.com/TMD</a>. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

There are moments in life that can change the course of your financial future and help set you up to achieve confidence in retirement. These are the moments that count.

Join Shane Hancock, AustralianSuper’s Head of Member Products, Guidance and Advice as he interviews members and super experts from around Australia. You’ll hear how other AustralianSuper members prepared for retirement, the actions they took and how they’re enjoying their next phase of life. The AustralianSuper experts will answer commonly asked questions, covering a range of topics including retirement planning, saving more super, and investments.

If you’d like to share your super story or simply ask a question you’d like answered on the podcast, visit australiansuper.com/story

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.

There are moments in life that can change the course of your financial future and help set you up to achieve confidence in retirement. These are the moments that count.
Join Shane Hancock, AustralianSuper’s Head of Member Products, Guidance and Advice as he interviews members and super experts from around Australia. You’ll hear how other AustralianSuper members prepared for retirement, the actions they took and how they’re enjoying their next phase of life. The AustralianSuper experts will answer commonly asked questions, covering a range of topics including retirement planning, saving more super, and investments.
If you’d like to share your super story or simply ask a question you’d like answered on the podcast, visit <a href="https://www.australiansuper.com/campaigns/super-story">australiansuper.com/story</a>
This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

The moments that count

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

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.

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 <a href="https://www.australiansuper.com/story">australiansuper.com/story</a>
To find out more about AustralianSuper visit <a href="https://www.australiansuper.com">australiansuper.com</a>
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 <a href="https://www.australiansuper.com/pds">australiansuper.com/pds</a> 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 <a href="https://www.australiansuper.com/TMD">australiansuper.com/TMD</a>. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

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

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

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

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

To find out more about AustralianSuper visit australiansuper.com

Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. Consider getting financial advice before deciding what’s right for you.

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

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.

Adding extra to your super before the end of the financial year could help you save on tax, as well as boost your super balance. And there are a few ways to do so, depending on your personal circumstances. In this episode, host Shane Hancock sits down with Education Manager Michelle Kelada to discuss the different ways to add to super and the potential tax benefits of each.
For more information about adding extra to super, visit <a href="australiansuper.com/grow">australiansuper.com/grow</a>
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 <a href="https://www.australiansuper.com/story">australiansuper.com/story</a>
To find out more about AustralianSuper visit <a href="https://www.australiansuper.com">australiansuper.com</a>  
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.
AustralianSuper has over 3.3 million members as at 31 December 2023.
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 <a href="https://www.australiansuper.com/pds">australiansuper.com/PDS </a>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 <a href="https://www.australiansuper.com/TMD">australiansuper.com/TMD</a>. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

Tax time super tips

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.

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 <a href="australiansuper.com/story">australiansuper.com/story</a>. To find out more about AustralianSuper visit <a href="https://www.australiansuper.com">australiansuper.com</a>
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 <a href="https://www.australiansuper.com/pds">australiansuper.com/pds</a> 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 <a href="https://www.australiansuper.com/TMD">australiansuper.com/TMD</a>. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

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

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