Learning Hub
Helping you understand and stay in control of your super
For many of our members, super can be overwhelming, or just seem a long way off.
It just doesn’t seem that important, or something to dedicate time to. But we want to help change that by answering some of the questions you’ve always wanted to ask, helping you understand your super and the simple steps you can take to stay in control.
Seminars
Our seminars are designed to help if you just want to understand the basics, are looking to grow and secure your money, or find out what your super insurance can do for you when you need it most. You might just have started out in your working life, or maybe it’s time to start planning for later. Either way, we can help you.
Planning the retirement you want
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This seminar gives you an insight into how much you may need, growth strategies, income streams in retirement and estate planning. It’s most relevant to members who are aged 50-plus. The seminar covers:
- How to plan for your dream retirement
- How much super you will need
- How much can you contribute
- Understanding the Age Pension
- Estate planning
Women and super
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Women are still being left behind when it comes to super, retiring with an average of 38% less super than men – but there are things you can do to boost your balance.
In this mini-seminar, we’ll give you the information and tools you need to help bridge the gap and plan for a comfortable retirement.
In this seminar you will:
- Learn about the factors contributing to the gender divide in super
- Understand why super is important for women
- Discover the simple steps you can take to help bridge the gap
- Empower yourself with the basics of super so you can be more confident about your financial future
- Learn how to get super advice to help put you on the right track
Online learning
The basics of super
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What is super?
Super is simply a way of saving for your future.
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What is a defined benefit super fund?
A defined benefit fund is a super fund where the benefits are calculated by a predetermined formula.
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What is salary sacrificing?
Salary sacrificing is when an employee agrees to give up part of their salary or wages in return for benefits of a similar value.
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What are co-contributions?
The super co-contribution is a tax-free bonus from the government to help people on low to middle incomes boost their super.
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Tips to help women boost their super
Rising divorce rates, widowhood, and greater female longevity mean that women need to plan independently for their retirement.
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What is insurance through super?
Our ability to earn an income is often the last thing we insure, even though it’s the most fundamental asset we have.
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How to take control of your super
The sooner you take an interest in your super, the greater the reward when you finish working.
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How to build good money habits
Do you often find you’ve got too much month left at the end of your money? The best way to get your spending under control is to create a budget.
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What separation and divorce can mean for your super
Data from the Australian Bureau of Statistics (ABS) tells us that one in every three marriages in Australia ends in divorce.
Investing your super
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The basics of super investments
Whether you’re just starting out or nearing retirement, it’s important to take an interest and make your super investment work for you.
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Understanding risk and diversification
Investment risk is the chance that the value of an investment will drop. All investments have risks.
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The role of financial planning
Good financial advice can help you set goals and make confident and informed financial decisions, now and in the future.
Preparing for retirement
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The basics of retirement
It’s important to think about how far your super will stretch, and whether it will be able to provide you the lifestyle you want
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How to access your super in retirement
Choosing when and how you access your super in retirement is a really important decision, and everyone is different.
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What is Transition to Retirement?
Transition to retirement – also known as TTR – was introduced to help people ease into retirement.
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How to fund aged care as part of your retirement plan
Being prepared and knowing that you may eventually need to pay for a place in an aged care facility should form part of your retirement planning.
We're here to help
If you want to learn more or need help with making a decision about your super, you can get simple advice over the phone or face to face. It’s included as a part of your membership so there’s no extra cost.