Retirement

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In a landmark move, Rest has expressed strong approval following the successful passage of legislation aimed at enhancing the Low Income Superannuation Tax Offset (LISTO) through Parliament. This legislative change is set to significantly improve the superannuation landscape for low-income workers across Australia, a demographic that has long been disadvantaged within the current system.

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The reforms, due to take effect from 1 July 2027, will see the LISTO income threshold rise from $37,000 to $45,000. Additionally, the maximum payment will increase from $500 to $810. This development is particularly significant for women and those employed part-time or casually, who are often the most affected by the existing superannuation disparities.

Rest's Chief Strategy Officer, Tyrone O’Neill, articulated the importance of these reforms in addressing systemic inequities. "The passage of these reforms through Parliament is an important milestone for fairness in Australia’s super system, particularly coming just after International Women’s Day," he stated. O’Neill emphasised that these changes are a crucial step towards narrowing the gender super gap, which continues to be a pressing issue in Australia.

The reforms are expected to boost retirement outcomes for nearly half a million Rest members who currently receive the LISTO each year. Notably, approximately 300,000 of these recipients are women. O’Neill highlighted the significance of this demographic, saying, "They are an important measure to help close the gender super gap by boosting retirement outcomes for low‑income workers, especially women, while also reminding us there is more work to do."

For years, Rest has been a vocal advocate for these changes, consistently pushing for reforms that would benefit low-income earners. O’Neill noted, "After years of advocacy, this change is now locked in, delivering better long-term retirement outcomes for low-income workers." This sentiment underscores the organisation's commitment to ensuring a more equitable superannuation system for all Australians.

The reforms have been met with widespread support, not only from Rest members but also from various stakeholders who recognise the need for a more inclusive superannuation framework. O’Neill expressed gratitude towards the government, stating, "These reforms reflect how many Australians work today and confirm that the super system can evolve to better support those on lower incomes. Rest has long called for this change, including through our 2025–26 Pre‑Budget Submission, and it has strong support from our members. We congratulate the Federal Government and the Parliament on passing these long-awaited fairness reforms."

The legislative changes come at a time when there is increasing awareness and dialogue around financial inequalities, particularly those affecting women. The timing, closely following International Women's Day, adds a symbolic layer to the reforms, reinforcing the ongoing efforts to address gender disparities in retirement savings.

As the superannuation industry continues to evolve, these reforms mark a pivotal moment in the journey towards a fairer system. The increased LISTO payments and higher income threshold are expected to provide much-needed relief and improved financial security for those who need it most.

The passage of these reforms represents a significant victory for low-income earners and highlights the potential for policy changes to drive social equity. As Rest and other stakeholders continue to advocate for further improvements, the focus remains on ensuring that the superannuation system serves all Australians equitably, regardless of their income level.

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• Yes

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In a landmark move, Rest has expressed strong approval following the successful passage of legislation aimed at enhancing the Low Income Superannuation Tax Offset (LISTO) through Parliament. This legislative change is set to significantly improve the superannuation landscape for low-income workers across Australia, a demographic that has long been disadvantaged within the current system.

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In a significant move within Australia's superannuation sector, Rest, one of the largest profit-to-member funds in the country, has announced the promotion of Rachel O'Connor to lead its Fixed Income team. This leadership change comes as Tracey Duff, the long-serving head of the Fixed Income team, retires after nearly two decades of service.

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Rachel O'Connor, who joined Rest in August 2021, has been appointed as the Head of Fixed Income, Credit & Cash. O'Connor's promotion follows her role as the Senior Portfolio Manager, Fixed Income, a position she held since September 2023. Her extensive experience, spanning approximately 30 years in fixed income and cash investments, has positioned her as a natural successor to Duff.

Kiran Singh, Rest’s Head of Listed Assets, expressed confidence in O'Connor's abilities to lead the team. "Rachel has been instrumental in overseeing both our internally and externally managed assets for more than 4 years and made a significant contribution to the asset class’s great long-term track record," Singh stated. He further added, "I’m confident she will continue to build on the strong foundations established by Tracey over the past 20 years and lead it through the next phase of development in support of our 2 million members’ retirement outcomes."

The retirement of Tracey Duff marks the end of an era for Rest. Duff joined the superannuation fund in August 2005 and has been pivotal in leading the Fixed Income team, particularly in managing the internal Australian Fixed Income portfolio. Her leadership has been characterised by strategic thinking and a commitment to fostering a positive organisational culture.

"Tracey has made an immeasurable contribution to Rest. She has been a steady hand, a strategic thinker, a respected leader and most of all, a true culture champion," Singh remarked. He acknowledged the mixed emotions surrounding Duff's departure, saying, "We are very sad to see her go, but also genuinely excited for what lies ahead for her."

Singh also highlighted the strength within Rest’s ranks, noting the seamless transition facilitated by O'Connor’s promotion. "We are incredibly grateful for the legacy she has established. It’s a testament to the expertise within Rest that we can promote someone of Rachel’s calibre to continue this legacy into the future," he said.

O'Connor's career prior to joining Rest is marked by significant roles in portfolio management at several notable financial institutions. Her previous positions included roles at U Ethical Investors, Vanguard, UBS Asset Management, ING Investment Management, and ANZ Investments. This diverse experience has equipped her with a comprehensive understanding of the financial markets, a skill set that will undoubtedly benefit Rest’s members.

The transition in leadership is seen as a strategic move to ensure continuity and growth within Rest's Fixed Income team. O'Connor, based in Melbourne, commenced her new role on 2 March. Her leadership is expected to steer the team through evolving market conditions and continue the focus on delivering robust retirement outcomes for Rest’s members.

As the superannuation industry faces increasing challenges and opportunities, Rest's decision to promote from within underscores its commitment to leveraging internal talent. O'Connor's appointment is not only a testament to her capabilities but also a signal of Rest's forward-thinking approach in maintaining its position as a leader in the superannuation sector.

For Rest’s two million members, the leadership change is anticipated to bring renewed focus on enhancing investment strategies, particularly in fixed income and cash asset classes. With O'Connor at the helm, the Fixed Income team is poised to navigate the complexities of the financial markets while continuing to build on the solid foundation laid by Duff.

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• Yes

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In a significant move within Australia's superannuation sector, Rest, one of the largest profit-to-member funds in the country, has announced the promotion of Rachel O'Connor to lead its Fixed Income team. This leadership change comes as Tracey Duff, the long-serving head of the Fixed Income team, retires after nearly two decades of service.

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Employment Hero has raised significant concerns regarding the implementation of the proposed Supporting Choice in Superannuation and Other Measures Bill, which was recently recommended for passage by the Senate Economics Legislation Committee without amendments. The Bill aims to tackle the issue of duplicate superannuation accounts, but Employment Hero's technical modelling reveals potential challenges that could adversely affect Australian small businesses and their employees.

" ["fulltext"]=> string(4051) "

The crux of the issue lies in the Australian Taxation Office's (ATO) current system settings, which are crucial for the Bill's execution. According to Employment Hero's data, the mandatory stapled fund lookup could fail for 55% to 80% of digital onboards. This failure could result in a "superannuation blackout" for nearly 1.9 million workers annually, leaving them without any information about their existing superannuation funds if the ATO lookup fails.

Rob Dunn, General Manager of Payments, Superannuation, and Benefits at Employment Hero, elaborated on the potential consequences. "Employment Hero remains committed to working constructively with the Government and the ATO to deliver on the intent of this Bill, strengthening super choice and reducing account duplication," he stated. "Superannuation is often the most significant financial asset Australians will hold to secure their future, with important compounding benefits that accumulate over a working life. This makes clarity and accuracy at the point of employment critical."

Dunn further explained the technical challenges, noting, "However, we cannot ignore the significant technical gap that exists today. Schedule 2 of the Bill requires digital platforms to display an employee’s stapled fund before showing any other information. While this sounds reasonable in theory, current ATO processes and data gaps mean this lookup is estimated to fail for 55% to 80% of digital onboards."

The failure of the ATO lookup could lead to workers being funnelled into employer default accounts, potentially creating over 300,000 new duplicate accounts every year. This outcome contradicts the Bill's primary objective of reducing account duplication. Dunn warned, "If the law proceeds as drafted, up to 1.9 million workers annually will face a superannuation 'blackout', seeing zero information about their existing funds if the ATO lookup fails. Instead of seeing a verified existing fund they already hold, they will be funnelled into an employer default account."

The looming 1 July deadline for the Bill's implementation poses an additional challenge for small businesses, coinciding with the commencement of Payday Super. Dunn highlighted the administrative burden this will place on employers, stating, "With the Committee backing a 1 July deadline, the implementation cliff is mere months away and coincides with the commencement of Payday Super. For employers, this represents a significant additional administrative burden at a time when many are already navigating complex compliance changes."

Employment Hero has been proactive in advocating for transparency and employee protection. Since 2023, the company has voluntarily adhered to a 'Super Choice Code of Practice', ensuring that only superannuation products passing the annual APRA performance test are presented to employees. This initiative aims to provide employees with clear, factual disclosures to support confident decision-making.

To address the identified technical gap, Employment Hero is urging the Government to consider a pragmatic solution. Dunn proposed, "We urge the Government to consider a simple, factual refinement: if the technology gap prevents a stapled fund from being returned, permit a 'Best Available Information' fallback. This would allow digital service providers to show a worker's verified existing fund so their super stays where they want it."

He emphasised that this approach is not about advertising but providing a factual fallback when ATO systems cannot return a result. "Showing an employee a fund they already hold is not advertising; it is a factual fallback when ATO systems cannot return a result. Let’s ensure the technology works before we lock it into law," Dunn concluded.

Employment Hero's full submission to the Senate Economics Legislation Committee inquiry includes detailed technical modelling behind these figures, offering further insights into the potential impacts of the Bill's current form.

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• Yes

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Employment Hero has raised significant concerns regarding the implementation of the proposed Supporting Choice in Superannuation and Other Measures Bill, which was recently recommended for passage by the Senate Economics Legislation Committee without amendments. The Bill aims to tackle the issue of duplicate superannuation accounts, but Employment Hero's technical modelling reveals potential challenges that could adversely affect Australian small businesses and their employees.

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A groundbreaking digital platform by Aware Super is transforming the way retirees plan and manage their pensions, with significant results already seen in the pilot phase. The tool, named Retirement Manager™, has been credited with a dramatic 78% increase in retirees opting to draw more than the minimum pension, highlighting its potential to enhance confidence in retirement planning.

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Launched this month, Retirement Manager™ is accessible to all eligible Aware Super members aged 60 and over. The platform addresses two critical questions for retirees: "How much can I spend?" and "How long will my money last?" These are pivotal concerns for individuals either approaching retirement or already in it.

The pilot phase, which involved over 5,000 members, revealed a significant behavioural shift among users. Typically, 54% of retiring members choose to draw more than the minimum pension. However, this figure surged to an impressive 96% when members utilised Retirement Manager™ to formulate their retirement plans.

Steven Travis, Group Executive Member Growth at Aware Super, expressed enthusiasm about the platform's impact. "This is a major breakthrough in retirement planning," he stated. "Retirement Manager™ is giving members the control and confidence to draw a greater income and enjoy their retirement to the fullest."

The platform allows users to set up and implement a plan online with ease. It enables retirees to choose an investment option, model various income and spending decisions, and establish an income stream. Additionally, it offers estimates on government Age Pension eligibility, providing a comprehensive tool for retirement planning.

One of the standout features of Retirement Manager™ is its Income Confidence Score. This feature shows users the likelihood that their plan will support their desired income, allowing them to make adjustments to enhance their score. The integration of human assistance is another key component, with users able to book appointments with advisers within the platform to refine their plans further.

Travis highlighted the importance of this seamless integration of digital and human advice. "When members can build a plan in their own time, optimise it for different scenarios, and get immediate feedback on the strength of their plan, it gives them greater confidence to draw down on their savings," he explained.

Aware Super's research has shown that nine out of ten Australians worry about running out of money in retirement, and many members leave up to 25% of their super unspent. Travis believes Retirement Manager™ addresses these concerns effectively. "Retirement Manager™ is not just for implementing a retirement plan; it’s like your always-on adviser throughout your retirement, helping you maximise your income and giving you peace of mind that you’re on the right track," he said.

Retirement Manager™ builds on the success of My Retirement Planner™, another tool by Aware Super that has assisted over 165,000 members in the accumulation phase to model their retirement goals and devise appropriate savings plans. This new platform extends that support into the retirement phase, ensuring members have the tools and guidance needed to manage their finances effectively.

The introduction of Retirement Manager™ marks a significant step forward in the way retirees can plan for their financial futures. By providing a platform that combines digital convenience with the option for personal advice, Aware Super is setting a new standard in retirement planning.

As the platform becomes available to more members, the potential for further improvements in retirement outcomes is substantial. The early results are promising, with the increase in members opting for more than the minimum pension indicating a shift towards more proactive and confident retirement planning.

Aware Super's initiative reflects a broader trend in the financial services industry, where digital tools are increasingly being used to empower individuals to take control of their financial futures. With Retirement Manager™, Aware Super is at the forefront of this movement, offering a solution that meets the needs of today's retirees while addressing their concerns about financial security in their later years.

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• Yes

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A groundbreaking digital platform by Aware Super is transforming the way retirees plan and manage their pensions, with significant results already seen in the pilot phase. The tool, named Retirement Manager™, has been credited with a dramatic 78% increase in retirees opting to draw more than the minimum pension, highlighting its potential to enhance confidence in retirement planning.

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In a bold move to enhance the financial future of young Australians, superannuation fund Rest is advocating for the abolition of what it deems an "unfair and outdated" rule affecting under-18 workers. The current regulation prevents the majority of these young employees from receiving regular compulsory superannuation contributions unless they work more than 30 hours a week. Rest argues that changing this rule could significantly boost the retirement savings of young Australians, potentially adding thousands of dollars to their superannuation accounts over a lifetime.

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According to Rest's analysis, which forms part of its 2026-27 Pre-Budget Submission, a 15-year-old entering the workforce today could see an increase of $18,100 in their retirement savings, in today's dollars, if the rule were amended. Rest's Chief Executive Officer, Vicki Doyle, emphasised the significance of this change, stating, "The overwhelming majority of under-18 workers are not eligible for compulsory super contributions because they work less than 30 hours a week. Because of this outdated rule, most under-18 workers are missing out on a financial benefit the rest of us are entitled to and we strongly believe this needs to change."

The current legislation stipulates that workers under 18 are only entitled to Superannuation Guarantee payments from their employers if they work more than 30 hours per week. However, some employers voluntarily provide these benefits regardless of hours worked. Rest's analysis reveals that extending compulsory superannuation to all under-18 workers, regardless of hours worked, could bring substantial financial benefits. For instance, a typical 15-year-old Rest member could gain approximately $3,400 extra in super by their 18th birthday and an estimated $18,100 by retirement.

Doyle further elaborated on the potential impact, noting, "A 15-year-old starting a job today is unlikely to receive many super contributions for the first 3 years of their working life. Our new analysis shows how meaningful those extra 3 years of super could be. Even an extra year of super for a 17-year-old member could provide a $7,000 boost, in today’s dollars, at retirement."

The call for reform is not just about financial gains; it is also about fairness and equality in the workplace. Doyle pointed out the inconsistency in the current system, saying, "It doesn’t make sense that a 15-year-old and an 18-year-old could work side by side in the same job, and only one of them is entitled to compulsory super. It’s time to give these young Australians a fairer start."

Rest's proposal aligns with broader industry goals to close the gender super gap and improve financial outcomes for young Australians. Doyle highlighted the widespread support for the reform, stating, "Rest represents more than 1 million members under the age of 30 and we are determined to see reforms that help them achieve the best foundation for their future life. We urge the Government to extend the Superannuation Guarantee to all workers under 18 who work less than 30 hours per week."

The proposed changes are part of a broader set of recommendations in Rest's Pre-Budget Submission. These include urging the government to legislate Tranche 2 of the Delivering Better Financial Outcomes reforms, aimed at providing affordable and accessible financial advice for super fund members. Additionally, Rest is advocating for the removal of barriers that prevent super funds from investing in members' best financial interests, such as reforming the annual superannuation performance test and reclassifying stamp duty under ASIC Regulatory Guide 97.

Doyle concluded with a call to action, encouraging the government to engage in detailed consultations to assess the impact on employers and implement the changes through a multi-year, staged rollout. "Industry modelling shows this change could help close the gender super gap, and our research confirms the reform has overwhelming support among our members. We strongly encourage the Government to engage in a detailed consultation to consider the impact on employers and implement the change with a multi-year, staged rollout," she stated.

Rest's push for reform highlights the need for policy adjustments that reflect the evolving nature of the workforce and ensure equitable financial opportunities for all Australians, regardless of age.

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• Yes

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In a bold move to enhance the financial future of young Australians, superannuation fund Rest is advocating for the abolition of what it deems an "unfair and outdated" rule affecting under-18 workers. The current regulation prevents the majority of these young employees from receiving regular compulsory superannuation contributions unless they work more than 30 hours a week. Rest argues that changing this rule could significantly boost the retirement savings of young Australians, potentially adding thousands of dollars to their superannuation accounts over a lifetime.

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As the implementation date for one of Australia’s most significant superannuation reforms draws near, new research reveals a startling lack of awareness and preparedness among both businesses and employees. The reform, known as Payday Super, mandates that employers pay superannuation contributions on payday rather than quarterly, a change set to take effect on 1 July 2026.

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The findings come from Employment Hero’s "Inside the Future of Super: 2026 Report," which surveyed 500 Australian businesses and over 1,000 employees. The report highlights a widespread readiness crisis, with 80 per cent of Australian employees and 58 per cent of businesses unaware of the impending changes.

Businesses face daunting challenges

The report paints a concerning picture for businesses, with 70 per cent expressing worry about their ability to keep up with evolving requirements. A significant portion of employees, 36 per cent, also harbour doubts about their employer’s capacity to implement the necessary changes. These concerns are compounded by existing frustrations, as 84 per cent of businesses report issues with current super processes. The most common grievances include returned funds due to errors (63 per cent) and cumbersome manual processing steps (60 per cent).

Financially, the shift to Payday Super will require businesses to make substantial adjustments. Employment Hero’s financial modelling suggests an average need for $124,000 in additional working capital to manage the transition from quarterly to per-pay-cycle contributions. Alarmingly, 40 per cent of businesses indicated they might need to access credit or financing to meet these new requirements.

Small businesses are particularly vulnerable, facing a "perfect storm" of regulatory change and reduced support with the imminent closure of the ATO's Small Business Superannuation Clearing House on 1 July 2026.

Employee engagement remains low

Employee engagement with superannuation also remains troublingly low. Currently, only 18 per cent of workers check their superannuation each pay cycle, and less than half (41 per cent) have actively engaged with their super fund in the past year. This disengagement can have significant financial consequences. The report models that over a 40-year career, the difference between an engaged and disengaged employee can amount to approximately $156,000 in retirement savings.

The report also highlights a significant gender disparity in superannuation confidence. Women are more than twice as likely as men to lack confidence in making super decisions. Only six per cent of women consider themselves knowledgeable about super, compared to 15 per cent of men.

Despite these challenges, the introduction of Payday Super may encourage a positive shift in engagement. The research projects a 33 per cent increase in employees checking their super every payday once the reforms take effect, as more frequent and visible contributions prompt closer scrutiny.

A call for urgent action

Rob Dunn, General Manager of Superannuation and Benefits at Employment Hero, underscores the potential benefits of the reform while acknowledging the challenges businesses face. "Payday Super is one of the most positive reforms for working Australians in decades. More frequent contributions mean better visibility, fewer lost accounts, and ultimately, healthier retirement savings for millions of people," he said.

However, Dunn emphasises the urgent need for support and guidance as the deadline approaches. "The challenge is that with just over four months to go, nearly six in 10 employers still don't know about this change. It’s not a reflection of unwillingness - businesses need clearer guidance and smarter tools to get ready in time. The right payroll and payments solution will not only help businesses stay compliant, but also better position them to attract and retain talent in a market where employees increasingly expect visibility over their entitlements."

As the countdown to 1 July 2026 continues, the findings from Employment Hero’s report highlight the pressing need for both businesses and employees to increase their awareness and preparedness for Payday Super. With significant financial and operational implications, the reform represents a critical juncture for Australia’s superannuation landscape.

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• Yes

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As the implementation date for one of Australia’s most significant superannuation reforms draws near, new research reveals a startling lack of awareness and preparedness among both businesses and employees. The reform, known as Payday Super, mandates that employers pay superannuation contributions on payday rather than quarterly, a change set to take effect on 1 July 2026.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#11063 (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)#10642 (3) { ["data":protected]=> object(stdClass)#10451 (1) { ["options"]=> object(stdClass)#10453 (2) { ["options0"]=> object(stdClass)#10454 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#10452 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10641 (3) { ["data":protected]=> object(stdClass)#10449 (6) { ["hint"]=> 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["type"]=> 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)#11065 (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) "*" 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object(stdClass)#10661 (1) { ["options"]=> object(stdClass)#10659 (2) { ["options0"]=> object(stdClass)#10658 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#10660 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10655 (3) { ["data":protected]=> object(stdClass)#10663 (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) 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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)#11070 (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)#10664 (3) { ["data":protected]=> object(stdClass)#10669 (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)#10666 (3) { ["data":protected]=> object(stdClass)#10671 (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(89) "/retirement/superannuation/australians-face-readiness-crisis-as-payday-super-reform-looms" ["image"]=> string(124) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1773676022/Rob_Dunn_-_EH_Profile_Headshot_1_vvuoem.jpg" ["image_alt"]=> string(62) "Australians face readiness crisis as payday super reform looms" } }