Retirement

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Rest, one of Australia's largest profit-to-member superannuation funds, has announced the appointment of Ed Waters as the new Company Secretary. Waters, who brings with him over 15 years of extensive experience in governance roles within the financial services industry, is expected to significantly contribute to the fund's mission of simplifying superannuation for its more than two million members.

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Tyrone O’Neill, Rest’s Chief Strategy and Corporate Affairs Officer, expressed confidence in Waters' abilities to enhance the fund's governance framework. "Ed is highly focused with a strong commercial mindset and has a proven ability to build effective working relationships across different industries and jurisdictions," said O'Neill. "He is an experienced secretarial and senior legal professional, with more than a decade of in-house experience. His familiarity with profit-to-member super funds and the regulatory environment we operate in are especially valuable. We are delighted to welcome Ed to Rest."

Waters' appointment comes as Rest aims to streamline its operations and improve member experiences in an increasingly complex regulatory landscape. His role will involve overseeing corporate governance and ensuring compliance with industry standards, a task for which he is well-prepared given his impressive track record.

Waters joins Rest from AustralianSuper, where he served as Deputy Company Secretary since 2021. During his tenure, he undertook two stints as Acting Company Secretary in 2022 and 2023, demonstrating his leadership capabilities and deep understanding of the superannuation sector. His experience at AustralianSuper is expected to be invaluable as Rest navigates its strategic goals.

Before his role at AustralianSuper, Waters spent 13 years at Bupa, a global healthcare company, where he held various positions. His tenure culminated in a role as Senior Legal Adviser – Head Office Advisory, where he provided governance and company secretarial support for Bupa’s 13 subsidiary boards in Australia and New Zealand. This experience has equipped him with a comprehensive understanding of governance across multiple jurisdictions, further enhancing his suitability for his new role at Rest.

In addition to his corporate roles, Waters has also been actively involved in the non-profit sector, serving as the volunteer Board Secretary for Ready Set since 2020. Ready Set is a charity dedicated to assisting vulnerable job seekers through clothing and career coaching services, helping them return to the workforce. This voluntary position underscores Waters' commitment to community service and his ability to apply his governance expertise in diverse settings.

Waters officially joined Rest on 10 November 2025, marking a new chapter in his career. His appointment is seen as a strategic move by Rest to strengthen its governance framework amidst evolving industry challenges.

The appointment of Waters comes at a pivotal time for Rest, as the fund continues to focus on enhancing its governance structures to better serve its members. With his extensive experience and proven track record, Waters is poised to play a crucial role in driving the fund's strategic initiatives forward.

As Rest continues to evolve in the competitive superannuation landscape, the addition of Waters to its leadership team is expected to bring fresh perspectives and bolster the fund's commitment to delivering value to its members. His expertise in navigating complex regulatory environments and building effective governance frameworks will be instrumental in achieving these objectives.

With Waters at the helm of its governance efforts, Rest is well-positioned to meet the challenges of the future and continue providing exceptional services to its members.

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• Yes

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Rest, one of Australia's largest profit-to-member superannuation funds, has announced the appointment of Ed Waters as the new Company Secretary. Waters, who brings with him over 15 years of extensive experience in governance roles within the financial services industry, is expected to significantly contribute to the fund's mission of simplifying superannuation for its more than two million members.

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In a sign that the Australian labour market may be finding equilibrium, wage growth has stabilised this quarter, according to Employment Hero's latest data. This development comes as employers continue to grapple with higher labour costs, legislative complexities, and inflationary pressures.

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Ben Thompson, CEO and co-founder of Employment Hero, highlighted the current state of wage growth, saying, "Wage growth holding steady this quarter suggests the market is finding its balance. Employers have absorbed higher labour costs with the median total hourly rate hitting $45.20, and are now managing pay rises more carefully." Despite this apparent stability, a closer look at year-on-year trends reveals a more nuanced picture.

Employment Hero's comprehensive analysis, drawing on data from over 300,000 small and medium-sized enterprises (SMEs), indicates that median pay increased by 4.8% year-on-year in October. However, this figure marks a slight decline from the previous year's growth rate of 5%. Thompson noted, "It’s a notable dip, but it’s by no fault of businesses. Employers are still doing what they can to stay competitive amid inflationary pressures."

The data underscores the complex challenges faced by businesses as they navigate the current economic landscape. Employers are striving to remain competitive, yet they are hampered by a myriad of factors, including inflation, compliance costs, and regulatory hurdles. Thompson elaborated on these challenges, stating, "Layers of legislation and increasing cost of compliance mean it’s never been a more expensive or confusing time to be an employer."

Amid these pressures, businesses are not retreating, but they are feeling constrained. Thompson observed, "Businesses aren’t pulling back, but they are feeling restricted and doing what they can to keep their employees and their business above water." This sentiment reflects the broader economic environment, where companies are attempting to balance the need to offer competitive wages with the financial realities imposed by external factors.

The current wage growth trend, while steady, raises questions about the sustainability of this balance. As businesses continue to face inflationary pressures, the cost of compliance, and other economic challenges, the ability to maintain competitive wage growth without sacrificing profitability remains a critical concern.

In this context, the role of government policy and regulatory frameworks becomes increasingly significant. Employers are calling for clearer guidelines and support to navigate the complexities of compliance and legislation. The interplay between government action and business response will likely shape the trajectory of wage growth in the coming months.

The stabilisation of wage growth also has implications for the broader economy. As wages level out, consumer spending patterns may shift, impacting sectors reliant on discretionary spending. This potential shift underscores the interconnected nature of wage dynamics and economic health.

In summary, while the stabilisation of wage growth offers a glimmer of balance in the labour market, it also highlights the ongoing challenges faced by employers. The ability to navigate these challenges while maintaining competitive wages will be crucial for businesses aiming to thrive in a complex economic environment. As the landscape continues to evolve, the interplay between wage growth, regulatory factors, and economic pressures will remain a focal point for both employers and policymakers.

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• Yes

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In a sign that the Australian labour market may be finding equilibrium, wage growth has stabilised this quarter, according to Employment Hero's latest data. This development comes as employers continue to grapple with higher labour costs, legislative complexities, and inflationary pressures.

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In a bid to enhance retirement outcomes for Australians, a recent whitepaper by Industry Fund Services, in collaboration with Challenger, has highlighted the importance of simplifying retirement advice frameworks. The research underscores how reframing advice can address behavioural biases that often hinder effective retirement planning.

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The study identifies five key behavioural biases that complicate long-term decision-making in retirement planning. Among these are the choice paradox and framing, which leave individuals overwhelmed by the multitude of options and complexities, and temporal discounting, where immediate gains are prioritised over long-term security. Loss aversion, the tendency to feel losses more acutely than gains, also plays a significant role in decision-making.

Behavioural Scientist Dan Monheit commented on the findings, emphasising the critical role of addressing these biases. "Financial advisers cannot avoid influencing preferences. Every aspect of an interaction, from the order options are presented to the way risks and rewards are framed, shapes outcomes," Mr Monheit said. He added, "This presents a significant opportunity to remove complexity and improve the advice experience. By framing choices in a way that aligns with people’s underlying preferences - not in response to overwhelming information - they’re more likely to make confident, informed decisions."

The whitepaper suggests that choice architecture, a concept that structures options more effectively, can be instrumental in retirement income planning. This approach is crucial as retirees must balance maximising income, accessing funds, and maintaining sustainability. Advisers are encouraged to act as Choice Architects by employing simple language and visuals, narrowing decision-making, and reframing discussions to focus on benefits.

Adrian Gervasoni, Executive Manager of Advice Services at Industry Fund Services, highlighted the evolving role of advisers in this landscape. "Retirement planning is about more than just financial modelling - it's about helping retirees make confident decisions in the face of uncertainty," Mr Gervasoni remarked. He further explained, "Through a diligent approach to choice architecture we can put the retiree in the driver's seat. We want to move the conversation from product features and benefits to focus on consumer preferences, such as certainty and flexibility. Ultimately, the goal is to deliver greater confidence when entering into retirement."

Default bias, where individuals instinctively choose more familiar options, is another challenge in retirement planning. This bias can affect both advisers and retirees. "Advice is a human-centric process, filled with emotions and biases that influence the options we present and the way information is understood," Mr Gervasoni noted. He stressed the importance of shifting focus from familiar options, like account-based pensions, to more sustainable and secure retirement income solutions.

The research led to the development of three distinct retirement strategy models aimed at simplifying decision-making and addressing core retirement needs. The 'Certainty' model balances flexibility and certainty, with a suggested 70% allocation to account-based pensions (ABPs) and 30% to lifetime income products, such as lifetime annuities. This model aims to provide retirees with confidence that their money will last a lifetime. The 'Balance' model, designed for those seeking greater flexibility, suggests an 85% allocation to ABPs and 15% to lifetime income products. Finally, the 'Flexibility' model prioritises complete flexibility with a 100% allocation to ABPs, though it carries a trade-off of less income certainty.

Adrian Aardoom, Head of Retirement Partnerships at Challenger, spoke on the significance of these models. "There is mounting pressure on the financial services industry to better address the needs of Australians when it comes to their retirement planning and income demands," Mr Aardoom said. He added, "Through an understanding of behavioural biases, combined with Challenger’s deep expertise in retirement income, we have developed a simplified, practical framework that members can easily understand and advisers can easily embed."

With a record number of Australians entering retirement, the whitepaper offers superfunds, advisers, and the broader industry valuable tools and insights to improve retirement discussions and outcomes. Mr Aardoom concluded, "With a record number of Australians entering retirement, we have an unprecedented opportunity to help more retirees navigate their golden years with confidence – delivering income certainty without the added complexity."

The comprehensive research and its findings aim to empower stakeholders in the financial services industry to deliver better retirement solutions for Australians, ensuring a more secure and confident future for retirees.

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In a bid to enhance retirement outcomes for Australians, a recent whitepaper by Industry Fund Services, in collaboration with Challenger, has highlighted the importance of simplifying retirement advice frameworks. The research underscores how reframing advice can address behavioural biases that often hinder effective retirement planning.

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With the new Payday Super legislation now enacted, small businesses across Australia are preparing for a significant shift in how they manage superannuation contributions. The law, which mandates a transition from quarterly to payday super contributions, is set to take full effect by July 2026. Employment Hero, a leading HR and payroll platform, has stepped forward with resources to aid small and medium-sized businesses (SMBs) in navigating this transition.

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According to early modelling shared by Employment Hero, SMBs will require an estimated $124,000 in additional working capital under the new seven-day rule. This substantial financial adjustment comes with the risk of severe penalties for non-compliance. To assist businesses in understanding and preparing for these changes, Employment Hero has introduced a free Payday Super Calculator. This tool allows employers to input their headcount, pay cycle, and wage bill to determine the necessary reserves to remain compliant and solvent.

"The final legislation expects SMBs to get Payday Super right from the outset, even while parts of the system that employers rely on are still being upgraded," said Ben Thompson, CEO of Employment Hero. "At the same time, hundreds of thousands of SMBs will need to move off the ATO’s Small Business Superannuation Clearing House (SBSCH), set to close 1 July 2026. That’s a big ask, especially when you consider the 60% increase in admin overheads and $124,000 cashflow impact the average SMB will face on day one."

The Payday Super Calculator is part of Employment Hero’s broader initiative to ensure businesses are ready for the upcoming changes. The company is also rolling out HeroClear, a pioneering solution designed to protect businesses from increased administrative burdens and the risk of penalties. HeroClear offers a fully embedded super clearing and validation solution, tailored specifically for the Payday Super requirements.

"That’s why we’re building the solutions to make compliance practical even before the 1 July deadline," Thompson explained. "We’re embedding super clearing directly into Employment Hero Payroll. By validating fund details up-front, moving money in real-time, and providing live confirmations and a single audit trail, SMBs will see fewer errors, faster settlement and clear proof of action to meet new requirements. That means better outcomes for business and employees alike."

For many employers, the impact of this legislative change on cash flow remains unclear. The Payday Super Calculator aims to demystify this by providing concrete numbers. For instance, a handyman services company with 10 employees, each earning an average salary of $75,000, will need an additional $27,692 in annual working capital to comply with the new requirements. This translates to an extra $3,462 required every pay run starting from July 2026.

The transition to payday super contributions is expected to present a formidable challenge for many SMBs, particularly those that have relied on the ATO’s Small Business Superannuation Clearing House. With the SBSCH set to close in 2026, businesses will need to adopt new systems and processes to manage their superannuation obligations effectively.

Employment Hero’s Payday Super resource hub is available to provide further guidance and support for businesses as they prepare for these changes. The hub offers a wealth of information and tools designed to help employers understand the implications of the new legislation and ensure they are ready to meet the upcoming requirements.

As the deadline approaches, the focus for many SMBs will be on adapting to these changes efficiently and effectively. With Employment Hero’s tools and resources, businesses have the opportunity to not only comply with the new law but also streamline their payroll processes and improve outcomes for both their operations and their employees.

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• Yes

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With the new Payday Super legislation now enacted, small businesses across Australia are preparing for a significant shift in how they manage superannuation contributions. The law, which mandates a transition from quarterly to payday super contributions, is set to take full effect by July 2026. Employment Hero, a leading HR and payroll platform, has stepped forward with resources to aid small and medium-sized businesses (SMBs) in navigating this transition.

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In a significant move towards reconciliation and inclusivity, Rest, one of Australia's largest profit-to-member superannuation funds, has unveiled its Innovate Reconciliation Action Plan (RAP). This initiative marks a pivotal step in Rest's ongoing commitment to creating a more equitable superannuation system, particularly for First Nations members.

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Rest's Chief Executive Officer, Vicki Doyle, expressed her enthusiasm about the launch, highlighting its importance in the company's reconciliation journey. “I’m proud to launch our Innovate RAP – an important milestone in Rest's reconciliation journey and a key part of our commitment to supporting a fairer super system and better retirements for our estimated tens of thousands of First Nations members,” Doyle stated. This initiative builds upon the progress made since the fund's initial Reflect RAP, which was introduced in 2023.

The Innovate RAP outlines a series of practical actions aimed at improving the superannuation experiences and retirement outcomes for First Nations members. Doyle acknowledged the disparities within Australia's superannuation system, noting, “Australia’s enviable superannuation system has helped millions of Australians achieve greater financial security, but it doesn’t work equally well for everyone. Systemic barriers continue to limit access and equity for First Nations members, who are more likely to experience financial stress and have lower-than-average life expectancies. At Rest, we know we need to do more to support First Nations members.”

A key component of the Innovate RAP is a pilot project designed to enhance engagement with financial counsellors. These counsellors play a crucial role in guiding First Nations members through the complexities of the superannuation system. This initiative is supported by First Nations Foundation (FNF) and the Association of Superannuation Funds of Australia (ASFA). Rest plans to share insights and outcomes from this project with the broader superannuation industry to help standardise and streamline support for members.

Leah Bennett, Managing Director of First Nations Foundation, expressed her support for Rest's initiative. “First Nations Foundation is excited to support Rest’s Innovate Reconciliation Action Plan. This plan is an important step in advancing meaningful change, strengthening relationships, and creating opportunities that empower First Nations peoples’ economic, cultural, and social aspirations. Rest’s commitment to embedding reconciliation into its values demonstrates real leadership and a vision for a more inclusive and respectful future for all Australians,” Bennett remarked.

Rest's collaboration with First Nations Foundation as a trusted advisor underscores the fund's dedication to ensuring that First Nations voices are heard and respected. Doyle emphasised the importance of this partnership, stating, “Rest’s Innovate RAP reflects our dedication to listening to First Nations voices and using our collective influence to drive meaningful changes, including improving service outcomes for First Nations members, ongoing staff cultural training and continued advocacy for policy reform.”

The Innovate RAP is not just a document but a strategic framework that guides Rest in its efforts to foster reconciliation and inclusivity. By focusing on tangible outcomes and partnerships, Rest aims to address the systemic barriers that have historically limited access and equity for First Nations members.

As Rest embarks on this new phase of its reconciliation journey, the fund is committed to sharing its learnings and successes with the wider industry. By doing so, Rest hopes to inspire other organisations to take similar steps towards creating a more equitable superannuation system for all Australians.

The launch of Rest's Innovate RAP represents a significant advancement in the fund's commitment to reconciliation and social equity. Through strategic partnerships, practical initiatives, and a focus on listening to First Nations voices, Rest aims to create a superannuation system that works for everyone, ensuring better retirement outcomes for its First Nations members.

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• Yes

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In a significant move towards reconciliation and inclusivity, Rest, one of Australia's largest profit-to-member superannuation funds, has unveiled its Innovate Reconciliation Action Plan (RAP). This initiative marks a pivotal step in Rest's ongoing commitment to creating a more equitable superannuation system, particularly for First Nations members.

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In a landmark development for the Australian workforce, the recently passed Payday Super legislation is set to transform the retirement landscape for countless part-time and casual workers. Rest, one of Australia's largest profit-to-member superannuation funds, has been a vocal advocate for these changes, which promise to align superannuation payments with payroll cycles.

" ["fulltext"]=> string(3863) "

Tyrone O'Neill, Chief Strategy Officer at Rest, highlighted the significance of this legislative milestone. "Thanks to these significant reforms, these members will soon receive their super at the same time they’re paid," he stated. "They will receive a meaningful financial benefit through the compounding returns on more frequent contributions."

The legislation addresses a longstanding issue for many workers who are paid their Superannuation Guarantee (SG) contributions less frequently than their regular wages. This delay in super contributions has historically disadvantaged part-time and casual workers, impacting their ability to maximise retirement savings through compounding interest.

O'Neill elaborated on the benefits of the reform, noting that aligning SG payments with payroll cycles will simplify the process for workers. "Aligning Superannuation Guarantee payments with payroll cycles will also make it easier for members to track their contributions, which is particularly important for those whose working hours vary week to week," he explained.

The passage of this legislation has been met with widespread approval from various stakeholders. Rest has lauded the government and the Australian Parliament for their commitment to improving retirement outcomes for workers. "We congratulate the Government and the Australian Parliament on passing this legislation and look forward to continuing to work with employers and industry on implementing the changes," O'Neill said.

The Australian Taxation Office (ATO) has already taken steps to facilitate the transition to the new system. A draft guidance on compliance has been released to assist employers in preparing for the first year of these reforms, which are set to commence on 1 July 2026. The ATO's proposed compliance approach is designed to be supportive rather than punitive. Employers who demonstrate a genuine effort to comply with the new requirements from 1 July 2026 to 30 June 2027, and who resolve any issues quickly, "should not be the focus of ATO compliance action," according to the draft guidance.

Rest has been proactive in preparing for these changes, working closely with employers to ensure a smooth transition. The organisation is in the process of finalising a new, simple, and compliant solution to facilitate the implementation of Payday Super. This initiative underscores Rest's commitment to supporting both employers and employees as they navigate the new landscape.

The introduction of Payday Super is poised to have a profound impact on the retirement savings of part-time and casual workers, who make up a significant portion of the Australian workforce. By ensuring that super contributions are made in tandem with salary payments, the legislation aims to enhance financial security and retirement outcomes for these workers.

As the July 2026 implementation date approaches, employers and employees alike are encouraged to familiarise themselves with the upcoming changes. The collaboration between superannuation funds, employers, and the government will be crucial in ensuring that the transition is seamless and beneficial for all parties involved.

In the words of Tyrone O'Neill, the Payday Super legislation represents a significant step forward in achieving a fairer retirement landscape for all Australians. "We also welcome the Australian Taxation Office releasing a draft guidance on compliance to assist employers preparing for the first year of these reforms," he remarked, emphasising the collaborative effort required to bring these changes to fruition.

As the countdown to implementation begins, the focus will be on education and preparation, ensuring that the benefits of more frequent super contributions are fully realised by those who stand to gain the most.

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• Yes

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In a landmark development for the Australian workforce, the recently passed Payday Super legislation is set to transform the retirement landscape for countless part-time and casual workers. Rest, one of Australia's largest profit-to-member superannuation funds, has been a vocal advocate for these changes, which promise to align superannuation payments with payroll cycles.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#10394 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9939 (3) { ["data":protected]=> object(stdClass)#9945 (1) { ["options"]=> object(stdClass)#9943 (2) { ["options0"]=> object(stdClass)#9942 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#9944 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9940 (3) { ["data":protected]=> object(stdClass)#9946 (6) { ["hint"]=> 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string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#10396 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9961 (3) { ["data":protected]=> object(stdClass)#10183 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9785 (3) { ["data":protected]=> object(stdClass)#10215 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#10395 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10184 (3) { ["data":protected]=> object(stdClass)#10223 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10178 (3) { ["data":protected]=> object(stdClass)#10186 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#10393 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10205 (3) { ["data":protected]=> object(stdClass)#10214 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10187 (3) { ["data":protected]=> object(stdClass)#10234 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#10381 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10182 (3) { ["data":protected]=> object(stdClass)#10232 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9947 (3) { ["data":protected]=> object(stdClass)#10230 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#10402 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10233 (3) { ["data":protected]=> object(stdClass)#10211 (1) { ["options"]=> object(stdClass)#10198 (2) { ["options0"]=> object(stdClass)#10185 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#10213 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10231 (3) { ["data":protected]=> object(stdClass)#10206 (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":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#10291 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10229 (3) { ["data":protected]=> object(stdClass)#10252 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10212 (3) { ["data":protected]=> object(stdClass)#10254 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#10401 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10251 (3) { ["data":protected]=> object(stdClass)#10256 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10253 (3) { ["data":protected]=> object(stdClass)#10258 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(111) "/retirement/superannuation/payday-super-legislation-promises-fairer-retirement-for-part-time-and-casual-workers" ["image"]=> string(122) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1762312512/pexels-divinetechygirl-1181365_uo95np.jpg" ["image_alt"]=> string(84) "Payday super legislation promises fairer retirement for part-time and casual workers" } }