It’s easy to focus on how much your super earns, but the real story is how much you keep. In this episode, we unpack the number behind the numbers and why it makes a big difference in how your super grows over time. 

Host Shane Hancock and Education Manager Peter Treseder explain why this is one of the most meaningful ways to understand how your fund is working for you and how small differences today can have a big impact on your future balance. Plus, learn some simple steps you can take to stay in control of your super.

Want to learn more?
👉 Read about net benefit: https://www.australiansuper.com/superannuation/superannuation-
articles/2020/03/net-benefit-and-your-super
👉 Learn about investment options: https://www.australiansuper.com/investments/your-investment-options
👉 Use the Investment risk profiler tool: https://www.australiansuper.com/riskprofiler

For more tools, tips and resources from AustralianSuper, visit www.australiansuper.com
If you have a question you’d like answered on the podcast, send us a message at www.australiansuper.com/story

🎧 Subscribe now so you don’t miss an episode.

Past performance isn’t a reliable indicator of future returns. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

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.

It&rsquo;s easy to focus on how much your super earns, but the real story is how much you keep. In this&nbsp;episode, we unpack the number behind the numbers and why it makes a big difference in how your&nbsp;super grows over time.&nbsp; Host Shane Hancock and Education Manager Peter Treseder explain why this is one of the most&nbsp;meaningful ways to understand how your fund is working for you and how small differences today can&nbsp;have a big impact on your future balance. Plus, learn some simple steps you can take to stay in&nbsp;control of your super.
Want to learn more? 👉 Read about net benefit:&nbsp;<a href="https://www.australiansuper.com/superannuation/superannuation-%20articles/2020/03/net-benefit-and-your-super">https://www.australiansuper.com/superannuation/superannuation-</a> <a href="https://www.australiansuper.com/superannuation/superannuation-%20articles/2020/03/net-benefit-and-your-super">articles/2020/03/net-benefit-and-your-super</a> 👉 Learn about investment options:&nbsp;<a href="https://www.australiansuper.com/investments/your-investment-options">https://www.australiansuper.com/investments/your-investment-options</a> 👉 Use the Investment risk profiler tool: <a href="https://www.australiansuper.com/riskprofiler">https://www.australiansuper.com/riskprofiler</a> For more tools, tips and resources from AustralianSuper, visit <a href="https://www.australiansuper.com">www.australiansuper.com</a> If you have a question you&rsquo;d like answered on the podcast, send us a message at&nbsp;<a href="https://www.australiansuper.com/story">www.australiansuper.com/story</a> 🎧 Subscribe now so you don&rsquo;t miss an episode.
Past performance isn&rsquo;t a reliable indicator of future returns. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.
This may include general financial advice which doesn&rsquo;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.

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

The super number that matters most

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, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice. 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&nbsp;boost your super balance. And there are a few ways to do so, depending on your personal&nbsp;circumstances. In this episode, host Shane Hancock sits down with Education Manager Michelle&nbsp;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&rsquo;d like a different question answered in the podcast about how you could make the most of your super, we&rsquo;d love to hear from you.
Complete the form at australiansuper.com/story&nbsp;
To find out more about AustralianSuper visit australiansuper.com
Before adding to your super, consider your financial circumstances, eligibility, contribution caps that&nbsp;may apply, tax issues and when your super can be accessed. We recommend you consider seeking&nbsp;financial advice.&nbsp;This may include general financial advice which doesn&rsquo;t take into account your personal objectives,&nbsp;financial situation or needs. Before making a decision consider if the information is right for you and&nbsp;read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling&nbsp;1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a&nbsp;product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd&nbsp;ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

Tax time super tips

Global markets are currently experiencing more volatility, largely due to geopolitical developments and US trade policy. So what does this mean for your super

Hear from host Shane Hancock and AustralianSuper’s Head of Asset Allocation, Alistair Barker, as they discuss how market volatility can affect your super balance, the benefits of staying invested, and why it’s important to think about the long term.

Helpful resources

Market volatility: australiansuper.com/market-volatility

Understanding the risks of switching:australiansuper.com/investments/investment-articles/2021/10/understanding-switching-risks

Your advice options: australiansuper.com/advice

Risk profile tool: australiansuper.com/risk-profiler

If you’d like a 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.

In relation to the AustralianSuper Balanced option (Super) – long-term performance over 20 years to 31 March 2025:AustralianSuper investment returns are based on crediting rates, which are returns less investment fees and costs, transaction costs, the percentage-based administration fee deducted from returns from 1 April 2020 to 2 September 2022 and taxes. Returns don’t include all administration, insurance and other fees and costs that are deducted from account balances. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006. Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

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

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.

Global markets are currently experiencing more volatility, largely due to geopolitical developments and US trade policy. So what does this mean for your super
Hear from host Shane Hancock and AustralianSuper&rsquo;s Head of Asset Allocation, Alistair Barker, as they discuss how market volatility can affect your super balance, the benefits of staying invested, and why it&rsquo;s important to think about the long term.
Helpful resources
Market volatility: <a href="https://www.australiansuper.com/market-volatility">australiansuper.com/market-volatility</a>
Understanding the risks of switching:<a href="https://www.australiansuper.com/investments/investment-articles/2021/10/understanding-switching-risks">australiansuper.com/investments/investment-articles/2021/10/understanding-switching-risks</a>
Your advice options: <a href="https://www.australiansuper.com/advice">australiansuper.com/advice</a>
Risk profile tool: <a href="https://www.australiansuper.com/risk-profiler">australiansuper.com/risk-profiler</a>
If you&rsquo;d like a question answered in the podcast about how you could make the most of your super, we&rsquo;d love to hear from you. Complete the form at <a href="https://www.australiansuper.com/story">australiansuper.com/story</a>
Investment returns aren&rsquo;t guaranteed. Past performance isn&rsquo;t a reliable indicator of future returns.
In relation to the AustralianSuper Balanced option (Super) &ndash; long-term performance over 20 years to 31 March 2025:AustralianSuper investment returns are based on crediting rates, which are returns less investment fees and costs, transaction costs, the percentage-based administration fee deducted from returns from 1 April 2020 to 2 September 2022 and taxes. Returns don&rsquo;t include all administration, insurance and other fees and costs that are deducted from account balances. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006. Investment returns aren&rsquo;t guaranteed. Past performance isn&rsquo;t a reliable indicator of future returns.
Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice. This may include general financial advice which doesn&rsquo;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.

Market volatility and your super  

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. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

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.

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&rsquo;t top of mind until she realised she needed to be able to support herself without relying on anyone else.
Now, she&rsquo;s come out the other side &ndash; enjoying her semi-retirement with a paid-off home and casual work that brings her joy.
If you&rsquo;d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we&rsquo;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="australiansuper.com">australiansuper.com </a>&nbsp;&nbsp;
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. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.
This information may be general financial advice which doesn&rsquo;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 super number that matters most

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The moments that count

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