Super Simple Chats

It’s natural to feel anxious or unsure during periods of market uncertainty. For this special episode of Super Simple Chats, we discussed how market volatility and news headlines can impact super balances and investment decisions. Join Michael Clancy, Rest’s Chief Investment Officer, and Samantha Baden, Rest’s General Manager of Communications, as they dive into the topic. Subscribe for more episodes that make super simple Show notes:  Market Volatility Article - rest.com.au/why-rest/about-rest/news/middle-east-conflict-and-your-super  Graph Showing Market Performance  - https://www.youtube.com/watch?v=VOq1Hsn9lJk&t=306s  Speak with a Super Specialist - rest.com.au/tools-advice/advice/advice-phone-form  Financial Hardship Webpage - rest.com.au/super/manage/access/early-release Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds.  Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Not ready or able to fully retire? You’re not alone. In this episode, we explore Transition to Retirement strategies, how you can access part of your super while still working, maintain your income, and ease into retirement. Whether you’re choosing to slow down or need to keep working longer, this episode shows you the options.  Webpage: https://rest.com.au/retirement/options/transition-to-retirement  Quiz: https://rest.com.au/retirement/ready/quiz  Calculator: https://rest.com.au/tools-advice/tools/calculators/budget  Disclaimer:Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds.    Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Hiring some new starters for your business? In this episode of Super Simple Chats, we help businesses streamline their onboarding process, avoid common super mistakes, and make admin easier with Rest Pay. Whether you’re hiring one or twenty, this episode is packed with practical tips.  The ATO’s Standard Choice Form: https://www.ato.gov.au/forms-and-instructions/superannuation-standard-choice-form What is Super article https://rest.com.au/super/learn/essentials/what-is-super Is Super paid on overtime article https://rest.com.au/super/learn/employment/overtime Super 101 webpage: What Is Super? https://rest.com.au/super/learnGet the Rest App https://rest.com.au/tools-advice/tools/rest-app Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your objectives, financial situation or needs. Before acting on any advice or deciding to join or stay, consider its appropriateness and the relevant PDS, FSG and TMD at rest.com.au/pds.Rest Pay is the brand name for the clearing house solution provided by Wrkr Ltd (ABN 50 611 202 414) and ClickSuper Pty Ltd (ABN 48 122 693 985, AFSL 337805) trading as Wrkr PAY. The clearing house solution includes the Clearing House issued by ClickSuper Pty Ltd and the PDS is available at restsuper.zendesk.com(Help Guides). You should consider the PDS before deciding whether to use or keep using the Clearing House. Wrkr Ltd and ClickSuper Pty Ltd are solely responsible for the clearing house solution.Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Ever looked at your super and wondered if you’re behind? This episode breaks down the truth behind the numbers, including why it’s okay if you’re not ‘there’ yet. Calculator: https://rest.com.au/tools-advice/tools/calculators/superannuation-calculator  Article: https://rest.com.au/retirement/learn/how-much-to-retire  Podcast: https://www.youtube.com/watch?v=qNdGzf2cmUc Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).   Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds.    Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Your super does more than sit in your account. It’s invested! In today’s episode, we’re giving you a peek behind the curtain with an expert from the Rest investment team. Articles: https://rest.com.au/investments/understanding-investments  Webpage: https://rest.com.au/investments/options/  Calculator: https://rest.com.au/investments/options/compare  Video: https://www.youtube.com/watch?v=ZWf1N26Jz3M App:  https://rest.com.au/tools-advice/tools/rest-app Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Running a business without being run off your feet is anything but easy. So, in this episode, we’re here to help make the super part as simple as we can. Whether you’re bringing on your first staff member, or getting ready for Payday Super, this episode is here to help prime you for how super works with business. Web hub: https://rest.com.au/employer/resources/business-help-centre Contact us: https://rest.com.au/employer/why-choose-rest/talk-to-us Webpage: https://www.ato.gov.au/calculators-and-tools/super-guarantee-eligibility Online course: https://www.ato.gov.au/businesses-and-organisations/super-for-employers/super-guarantee-employer-obligations-online-course Article: https://rest.com.au/super/learn/employment/self-employed-and-sole-traders Article: https://rest.com.au/tools-advice/learning-centre/super-tips/payday-super Disclaimer Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional.  The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you and speak with a licensed financial adviser. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds . Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Cue up some smooth R&B, grab yourself a glass of red and dim the lights because tonight, we’re talking superannuation and relationships. From date night conversation starters, to the spicier topics like divorce – this episode is going to cover all the details of super and love. Webpage: https://rest.com.au/super/grow-my-super/spouse-contributions Article: https://rest.com.au/super/learn/life-events/divorce Podcast: https://rest.com.au/super/learn/podcasts Retirement Session: https://rest.com.au/tools-advice/learning-centre/seminars-webinars Disclaimer: Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund).  Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Worried you won’t have enough super in retirement? Don’t panic! That’s where the government’s age pension may help. In this episode we look at how the government age pension works, how your super affects it, and the kinds of things you need to do to start receiving payments. Show notes Retirement Session: https://rest.com.au/tools-advice/learning-centre/seminars-webinars Calculator: https://rest.com.au/tools-advice/tools/calculators/budget Digital advice: https://rest.com.au/tools-advice/advice/retirement-health-check Phone advice: https://rest.com.au/tools-advice/advice/advice-phone-form Webpage: https://rest.com.au/retirement/options Webpage: https://rest.com.au/retirement/learn/simplifying-age-pension-application Article: https://rest.com.au/retirement/learn/super-and-age-pension Disclaimer: Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Retirement. It’s all put under this one big label. But scratch the surface and you’ll find there’s a lot more to life’s twilight years than you may realise. Every decade our spending, lifestyles, and needs change. So how do you plan for such a gigantic undertaking? In this episode, we sit down with Rest expert, Pete, and break down the three major stages of retirement – showing you how to prepare for life’s grand finale. Show notes Calculator: https://rest.com.au/tools-advice/tools/calculators/budget Article: https://rest.com.au/tools-advice/learning-centre/super-tips/retirement-planning-checklist Digital advice: https://rest.com.au/tools-advice/advice/retirement-health-check Phone advice: https://rest.com.au/tools-advice/advice/advice-phone-form Article: https://rest.com.au/super/grow-my-super/downsizer-contributions Disclaimer: Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

That’s it! We’ve had enough of the fake super news! Today, Ange, Andy and Sam are fact-checking the sceptics and setting things straight. How do you find out how much super you have? And where do your super fees go? Find out in this episode of the podcast. Podcast: Episode 1: Super 101: What is super and how does it work Article: What is super? How does it work? Article: Early access to super: Financial Hardship Download: Get the Rest app to check your balance Webpage: An overview of Rest’s fees Disclaimer: Disclaimer: Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Ange and Andy sit down with Sam from Rest to break down what happens to super after you pass away. Learn what a beneficiary is, the different types of nominations you can make, and how you might give the right people the best possible chance of claiming your super when you go. Nominating a beneficiary with Rest: https://rest.com.au/super/manage-my-super/nominating-a-beneficiary What happens to super when you die: https://rest.com.au/super/learn/life-events/super-when-you-die Make your binding death benefit nomination: https://rest.com.au/rest_web/media/documents/tools-advice/resources/forms/nom-of-beneficiaries-super-webs.pdf Disclaimer: Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Curious how having a baby can impact your or your spouse's super? It’s time to baby-proof your future finances in episode five of the Super Simple Chats podcast.   Sarah O’Brien is back to talk to Ange and Alex about how having a baby impacts your super. Plus, you’ll learn different ways to bridge the gap between men and women’s super balances.   Links: Gender Super Gap - https://rest.com.au/super/understanding-super/women-and-super Right Lane Forces at Work Report - https://www.rightlane.com.au/industry-superannuation-report/ Women in Super - https://www.womeninsuper.com.au/ Homelessness & Women - https://ownnsw.org.au/our-work/homelessness/ Super on Parental Leave Pay - https://rest.com.au/why-rest/about-rest/news/super-on-parental-leave-pay-win-for-equity Gender segregation in the workforce - https://www.wgea.gov.au/publications/gender-segregation-in-australias-workforce   Disclaimer: Before combining your super, consider which fund is right for you. Check out the fees and costs of your funds plus any benefits that would be lost, such as insurance cover. Make sure your other fund(s) knows about any contributions you intend to claim a tax deduction for, before combining your super. If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website for more information. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Think your super is just a nest egg? Think again. Join Ange and Alex as they discuss the often-overlooked world of insurance in super with Bart Healy from Rest. From life insurance through to income protection, learn why having insurance through super could be a secret weapon if the worst were to occur.  Insurance explained - https://rest.com.au/insurance/understanding-insurance ATO: Lost & unclaimed super figures - https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/super-accounts-data/super-data-lost-unclaimed-multiple-accounts-and-consolidations/trend-towards-single-accounts ASIC MoneySmart Life Insurance Claims Comparison Tool - https://moneysmart.gov.au/how-life-insurance-works/life-insurance-claims-comparison-tool ATO: Multiple super accounts statistics - https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/super-accounts-data/super-data-lost-unclaimed-multiple-accounts-and-consolidations/trend-towards-single-accounts Income protection statistics for mental health - https://www.tal.com.au/claims/claims-paid   Disclaimer: Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Before combining your super, consider which fund is right for you. Check out the fees and costs of your funds plus any benefits that would be lost, such as insurance cover. Make sure your other fund(s) knows about any contributions you intend to claim a tax deduction for, before combining your super. If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website for more information. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Discover how to romance your super with Ange and Alex, as they chat with Matt Balderson from Rest about the five love languages of superannuation: quality time, acts of service, physical touch (hello, app downloads!), words of affirmation, and receiving gifts (in the form of contributions). Swipe right on your super. Personal super contributions - https://rest.com.au/super/grow-my-super/personal-contributions ATO estimate my super tool - https://www.ato.gov.au/calculators-and-tools/super-estimate-my-super Government Co-Contribution Scheme - https://rest.com.au/super/grow-my-super/government-co-contributions LISTO explained - https://rest.com.au/super/grow-my-super/listo Disclaimer: Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Ever wondered where the myth of needing $1 million in super comes from? Join Alex and Ange as they talk to Sarah O’Brien and Matt Balderson from Rest to look at how much everyday Aussies might need to retire. Learn more about: ASFA Retirement Standard | How much super should I have? | Rest Advice | Retirement Budget Calculator --- Download the  Rest App Disclaimer Before combining your super, consider which fund is right for you. Check out the fees and costs of your funds plus any benefits that would be lost, such as insurance cover. Make sure your other fund(s) knows about any contributions you intend to claim a tax deduction for, before combining your super. If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website for more information. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.

Ange and Alex sit down with Matt Balderson from Rest to break down what super is and why young people should care about it. Learn all about how you get paid super, the magic of compound interest, and why starting early might lead to a bigger retirement nest egg - even if it seems like light years away.  --- Links Super guarantee rate   YourSuper comparison tool   Super stapling   Consolidating your super   Download the Rest App   --- Disclaimer Before combining your super, consider which fund is right for you. Check out the fees and costs of your funds plus any benefits that would be lost, such as insurance cover. Make sure your other fund(s) knows about any contributions you intend to claim a tax deduction for, before combining your super. If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website for more information. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds. The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information.See omnystudio.com/listener for privacy information.