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The financial regulator has revealed how much superannuation Aussies have released from their retirement savings, as the unions highlight the long-term impact on workers. 

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As part of the government's pandemic support, Australians under financial duress were enabled access to up to $20,000 in their super savings, in two tranches between 20 April 2020 and 31 December 2020.

But the unions are now questioning the scheme's long-term impacts, after APRA revealed that workers withdrew more than $36 billion from their retirement savings.

According to APRA, a total of 3.5 million initial applications were approved across the full period of the scheme, including 1.4 million repeat applications by those financially strained by the pandemic, putting the average payment at $7,638. 

Repeat applications were for an average amount of $8,268 while initial applications were for an average amount of $7,402. 

Commenting on APRA's findings, the ACTU explained that vulnerable Aussies, who didn't qualify for the government's JobKeeper wage subsidy, were most significantly impacted by the early access to superannuation scheme. 

Casual employees, who worked for an employer over a period shorter than 12 months were barred from JobKeeper entirely, subsequently making hospitality workers some of the hardest hit.

As a result, according to the ACTU's data, 700,000 workers were forced to completely empty their superannuation accounts, with 80 per cent belonging to the below 35 age bracket.

“A 30-year-old emptying their account by withdrawing $20,000 will be nearly $80,000 worse off in retirement," said ACTU assistant secretary Scotty Connolly.

"This government has created a legacy of poverty by implementing a program designed to shift the burden of responding to this crisis from government to individual."

But the ACTU identified even further problems, pointing to the scheme's tendency to disproportionately affect women. 

 

“Women currently retire with 47 per cent of the amount of superannuation as men, and being forced into withdrawing from their retirement savings will widen this divide,” Mr Connolly said. 

According to the union, the average Aussie will run out of super 10 years before they die. 

“Workers urgently need to rebuild their super from this hit in order to retire with dignity, and the Morrison government must re-commit to the already legislated increase of 12 per cent for the superannuation guarantee,” Mr Connolly concluded. 

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The financial regulator has revealed how much superannuation Aussies have released from their retirement savings, as the unions highlight the long-term impact on workers. 

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With the closing of the early access to super scheme the COVID-19 pandemic has seen members’ engagement rise, an industry expert has revealed.

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APRA stats have shown the final cost for superannuation members saw a total of  $37.3 billion withdrawn through the scheme.

Of the 3.5 million Australians who applied to the scheme, 1.4 million took advantage of the two tranches available to them.

The average payment made was $7638. Repeat applications were for an average amount of $8268 while initial applications were for an average amount of $7402.

Australia’s second largest superannuation fund, Aware Super, which had roughly $800 million in funds removed during the scheme highlighted how members were actively looking into their superannuation during the pandemic.

“We have seen more engagement, certainly through the support we provided for members, chief investment officer Damian Graham said.

“Aware super set up effectively a COVID hub which allowed members to find the information that they needed from early release of super to what was going on with markets, so that was really important.

Speaking to the financial services industry in an event hosted by Pritchitt Partners, Senator Jane Hume highlighted how  COVID-19 provided a rare opportunity for more consumer engagement with their super by prompting many people to re-assess their finances, Senator Hume said.

“The early release of superannuation was a lifeline for Australians that got them through to the other side of the worst of the economic consequences of the pandemic,” she said.

The new year presents an opportunity to build on those increased levels of engagement.

The Minister highlighted how a number of changes to superannuation under the Your Super Your Future reforms will only further lift member engagement.

“We think superannuation has done a great job to provide a good saving vehicle for members that we expect to continue.

“We also undertook our first annual member meeting, in which we got lots of interaction with members, Mr Graham concluded.

 

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With the closing of the early access to super scheme the COVID-19 pandemic has seen members’ engagement rise, an industry expert has revealed.

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The chief investor of Australia’s second largest superannuation fund has explained why Aussies should pay more attention to a fund’s ESG focus.

Write comment (2 Comments) " ["fulltext"]=> string(3219) "

Aware Super, which is poised to hit $200 billion in assets under management in the next two to three years, has upped its focus on ESG, with its chief investment officer Damian Graham touting the fund’s general need to look at the long-term impacts of investing ethically. 

Defending his funds position on ESG and commenting on Minister for Superannuation Jane Hume's recent comments that Australian funds are not there to make the world a better place but rather achieve the best outcomes for members, Mr Graham outlined the ability of ESG to boost winnings. 

“We divested from the producers of thermal coal last year, and the reasons we did that was not ideological,” Mr Graham said during a Bloomberg press conference.

“The reason we did that was because we felt there were risks to the long-term earning streams that we should start to moderate the exposure to.

“That was done on an investment basis, not ideological, but it really does say we need to think about all the risks that drive long-term returns and, for some companies, the risk of stranded assets,” he said. 

According to Mr Graham, the shift to a low-carbon world is not purely about risk reduction, it also has the power to create opportunities for investors.

“I think it’s critical. It’s not just risk reduction but it’s also how can we invest in assets that will really benefit from a low-carbon future,” Mr Graham said.

“That will be as much around renewable and other technologies as well as moderating the levels of carbon emissions.”

The CIO also opined that the Morrison government’s gas-led economic recovery from the COVID-19 pandemic is a missed opportunity to transition into a low-carbon world.

“It is our position that there is an opportunity to continue to invest in renewable technologies that benefit from the transition than gas,” he said. 

However, Mr Graham stopped short of saying government policies are holding back Australia’s transition.

“I wouldn’t necessarily say the biggest issue at the moment is policy, but more the dynamics of the market,” he said.

“We saw in the last few years some negative prices coming through energy markets, which can make it quite difficult for renewables where you’re making a loss running a generation asset which is a challenge.”

“I do think the dynamics around improving the grid across Australia is focused on the combination of all energy sources are managed as well as possible to reduce that risk,” Mr Graham concluded.

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The chief investor of Australia’s second largest superannuation fund has explained why Aussies should pay more attention to a fund’s ESG focus.

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Being in a typical lifecycle My Super product could be costing members nearly a quarter of their retirement nest egg, new research has revealed.

Write comment (0 Comments) " ["fulltext"]=> string(3238) "

Stats released by Rainmaker Information found that lifecycle My Super product members are up to $170,000 worse off in their retirement due to inferior performance. 

Lifecycle superannuation products are those that invest members’ money differently depending on their age.

Younger members will have more of their superannuation allocated into equities and property, while older members will have more allocated into bonds and cash.

However, research from Rainmaker Information found that single strategy MySuper products at least matched, if not beating, the lifecycle option.

“While the best lifecycle products perform very well, there is massive disparity between these and low-performing lifecycle products,” said Alex Dunnin, executive director of research at Rainmaker Information. 

He stated that over the three-year performance period to the end of November 2020, there was a 3.3 percentage point gap between the top-placed product, Virgin Money, and the bottom-placed product.  

COVID-19 made this worse, with the difference in returns over the 12 months to 30 November 2020 growing to 5.5 percentage points.

Despite the current performance figures, Mr Dunnin said the idea behind lifecycle products remains compelling. 

“As you get older, your investment risks are dialled down and a greater proportion of your MySuper savings are allocated to more conservative assets like bonds. There is less chance of losing money,” he said. 

“But the strategic problem in the lifecycle sector is not the concept behind them, but the huge variation in their outcomes. That is, as a group, they don’t seem to be actually working properly. Their leading products are nevertheless extremely impressive.” 

“Too many lifecycle products are struggling to deliver on their promise. Heatmaps produced by the superannuation regulator, APRA, have found pretty much the same thing.” 

The need to tackle underperformance in superannuation has gained momentum following the announcement of the Your Future, Your Super reforms in the 2020-21 Commonwealth budget. For the first time, starting in 2021, super funds will have to pass an investment performance test. 

Mr Dunnin said some advocates of lifecycle MySuper have argued that it’s not possible to compare lifecycle investment strategies, and that it’s only when members retire that we’ll know if they’ve achieved their goals. 

“But that’s absurd. It will be like telling parents that the first time they will ever see their child’s school report is after their child has left year 12,” he said.

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Being in a typical lifecycle My Super product could be costing members nearly a quarter of their retirement nest egg, new research has revealed.

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Industry Super Australia has pulled out all the stops, telling over 1 million voters what could happen if the superannuation rate is not lifted to the legislated 12 per cent.

Write comment (0 Comments) " ["fulltext"]=> string(3127) "

Lobby group Industry Super Australia (ISA) will launch a coordinated media campaign “to warn members about the adverse impacts dumping the legislated super guarantee increases could have on their financial interests”. 

The campaign will be targeted at pre-retirees and those under 35, and taking aim at Liberal MPs who have said superannuation is less important than owning a family home.

The ISA said a policy of home ownership over superannuation would leave a generation with little to no retirement, while driving up the prices of houses.

It stated that if the increase is cut, a 30-year-old couple on median wages would lose $170,000 from their retirement nest egg, adding tens of billions onto future aged pension costs.

“Some federal politicians want to break an election promise and cut super, forcing Australians to work longer or retire with less. It’s time for the government to leave people’s super alone,” said ISA chief executive Bernie Dean.

“Rather than getting the legislated super boost, politicians want Australians to sell their family home to fund retirement. Our members expect us to protect their financial interests and warn them about changes that will leave them worse off at retirement, and that’s exactly what this campaign will do.”

The ISA’s latest campaign follows the government’s refusal to state whether the legislated increase in superannuation will continue to rise in the wake of the COVID-19 pandemic.

Speaking at a media event on Thursday, 28 January, Minister for Superannuation, Financial Services and the Digital Economy Jane Hume said the government is currently debating the rate of superannuation, despite reforms already being regulated.  

Ms Hume was asked whether the SG rise was going ahead, to which Hume replied with “the superannuation guarantee rise is legislated for 1 July”. 

“But the debate we’re having now is about what that trade-off for that is.”

“The SG is a cost to employment, and if I’m an employer and I give a rise to the SG, it’s going to be passed on to employees one way shape or form. They know that somewhere between 80 to 100 per cent is going to be passed on, so deny that is sticking your head in the sand quite frankly,” she said.

Liberal MP Andrew Bragg took to Twitter to attack ISA’s latest campaign.

“Super funds waste workers’ money on advertising so they can fleece more money from workers through compulsory super’s obscene fees. It’s a circle of grift,” concluded Mr Bragg.

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Industry Super Australia has pulled out all the stops, telling over 1 million voters what could happen if the superannuation rate is not lifted to the legislated 12 per cent.

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Two ethical superannuation funds have come under scrutiny for sharing similar investment options, despite having different outcome objectives for members.

Write comment (0 Comments) " ["fulltext"]=> string(4843) "

The House of Representatives standing committee on economics has accused Future Super and Verve of misleading consumers, after it was revealed the bulk of their members’ money is in similar products.

Additionally, the argument was put forward that consumers aren’t privy to the funds’ relationship with Diversa Trustees – a shared trustee that has been accused of creating a “giant SMSF” style investment for members. 

“It seems to me consumers are being misled,” Liberal MP and committee chair Tim Wilson said during questioning. 

Mr Wilson asked why at least 60 per cent of their funds under management are allocated to three BetaShares ETFs, with the environmental impact of these investments also called into question. 

“Despite the headline of what you’re seeking to achieve, most of your investment is outsourced effectively by buying products from BetaShares, into passive low-cost products,” Mr Wilson questioned. 

‘Future Super actively working with ETF providers’

In response, Future Super governance and regulatory lead Fahmi Hosain defended the fund’s position, arguing that the fund had “actively worked” with ETF providers, with 12 staff members tasked with screening each individual company Future Super is exposed to.  

“The investment into ETFs is part of our strategy. We’ve done this consciously to reduce our costs, but we have also innovated in this area,” Mr Hosain said.

“We are essentially active managers of these ETFs because we constantly look at the underlying assets and they have to meet our screens. So, it’s not a passive investment.”

The questioning then extended to Diversa’s business model, with MP Dr Andrew Leigh probing Future Super’s and Verve’s involvement in Diversa’s marketing. 

“It does smell to me that you’ve set up a model which is reminiscent of some of the more problematic practices that we saw during the banking royal commission in which you have high cost promoters out there that are selling a pretty similar product,” Dr Leigh said. 

The Labor MP also questioned whether the funds are simply targeting different subsections of the market, while providing similar services.

“Yet, when I look at the website, Future Super tells me your super has the power to combat climate change; Verve Super tells me it’s Australia’s first ethical super fund for women by women, yet I see very little difference in the actual investment strategies of these funds,” Dr Leigh said.

‘Achieving members’ outcomes in different ways’

However, Verve Super CEO Christina Hobbs said both funds are achieving members’ outcomes in different ways. 

“From Verve’s perspective, we have three key points of differentiation. The services we provide and financial coaching is a part of this,” she said. 

Ms Hobbs said that while it is important to consider the similarities in investments, the alternatives are just as important as they are providing impacts for members. 

“From an investment perspective, this is certainly where the bulk of effort and costs goes. This includes from Future Super perspective significant investment in renewable energy,” she said.

“Verve Super also has this form of impact investing but also other forms of impact investing. For example, the vision bond. 

“The vision bond is an investment in a world vision product that was deemed to be a good investment. This is an investment using our members superannuation balances to invest in the micro refinement projects of women, rural farmers in developing countries, providing a hopeful stable return to our members while also providing a benefit to the communities.

“So, there are differentiation in how we invest and the services we are providing,” Ms Hobbs concluded.

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Two ethical superannuation funds have come under scrutiny for sharing similar investment options, despite having different outcome objectives for members.

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"2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#5422 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5170 (3) { ["data":protected]=> object(stdClass)#5173 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5172 (3) { ["data":protected]=> object(stdClass)#5175 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5421 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5174 (3) { ["data":protected]=> object(stdClass)#5177 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5176 (3) { ["data":protected]=> object(stdClass)#5179 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5418 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5178 (3) { ["data":protected]=> object(stdClass)#5181 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5180 (3) { ["data":protected]=> object(stdClass)#5183 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#5419 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5182 (3) { ["data":protected]=> object(stdClass)#5185 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5184 (3) { ["data":protected]=> object(stdClass)#5187 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#5414 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5186 (3) { ["data":protected]=> object(stdClass)#5192 (1) { ["options"]=> object(stdClass)#5190 (2) { ["options0"]=> object(stdClass)#5189 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5191 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5188 (3) { ["data":protected]=> object(stdClass)#5194 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#5417 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5193 (3) { ["data":protected]=> object(stdClass)#5196 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5195 (3) { ["data":protected]=> object(stdClass)#5198 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#5427 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5197 (3) { ["data":protected]=> object(stdClass)#5200 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5199 (3) { ["data":protected]=> object(stdClass)#5202 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(76) "/retirement/superannuation/ethical-super-funds-accused-of-misleading-members" ["image"]=> string(49) "images/article-826x550/jars-of-coins-money-ne.jpg" ["image_alt"]=> string(50) "Ethical super funds accused of misleading members " } }