Retirement

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Aware Super, one of Australia's largest industry super funds, has announced a pivotal appointment to its executive team, underscoring the growing importance of technology, data, and artificial intelligence (AI) in the financial sector. Richard Exton has been named Group Executive, Chief Technology and Data Officer, effective from 1 November 2025. In his new role, Exton will report directly to Aware Super's Chief Executive Officer, Deanne Stewart, as the company seeks to solidify its leadership in digital innovation and member services.

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The decision to elevate technology, data, and AI leadership to the executive level highlights Aware Super's commitment to leveraging these critical areas to enhance member outcomes and drive the fund's strategic priorities leading up to 2030. With a membership base of 1.2 million, Aware Super is focused on delivering superior digital experiences while maintaining robust cybersecurity measures.

"Aware is focused on maintaining our strong reputation as an industry leader in digital by continuing to enhance our personalised member experience and remaining vigilant about our cybersecurity protections," commented Deanne Stewart. The move to integrate technology leadership into the executive team reflects the fund's strategic vision to remain at the forefront of the rapidly evolving financial landscape.

Richard Exton, who has been with Aware Super for eight years, has been a key figure in the fund's transformative initiatives. His contributions include the 2023 insourcing of the fund's administration, which significantly enhanced its digital capabilities, and a platform modernisation effort that streamlined technology infrastructure by a third while boosting member self-service options. These initiatives have not only improved operational efficiency but also enriched the member experience, aligning with Aware Super's mission to deliver better retirement outcomes.

Under Exton's leadership, the 200-strong Technology team is set to further embed AI and digital innovation across the business. This strategic focus aims to provide even more personalised and secure digital experiences for members, ensuring that technology remains a core enabler of Aware Super's competitive advantage. "Richard’s leadership will continue to be instrumental as we accelerate our digital capabilities and ensure technology remains a key enabler of member outcomes and competitive advantage for Aware Super," added Stewart.

The emphasis on technology and data is also reflected in the fund's commitment to diversity within its workforce. Under Exton's guidance, female representation in Aware Super's Technology team has increased to 35%, showcasing the fund's dedication to fostering an inclusive workplace culture. His achievements have been recognised nationally, as he ranked #4 in Australia’s CIO50 Awards and led his team to be named Australia’s Best Technology Team for Culture in 2024.

Exton's extensive experience spans three decades in the global financial services industry, with senior technology roles at prominent institutions such as Macquarie Group, ANZ Bank, and Commonwealth Bank of Australia across the Asia-Pacific markets. His academic credentials include a Masters in Financial Technology from the University of New South Wales and a Graduate Certificate of Commercial Law from Deakin University. Additionally, he has completed executive education at Harvard Business School and the Australian Institute of Company Directors (AICD), equipping him with a robust foundation to lead Aware Super's technology strategy.

As Aware Super continues to evolve in a digital-first world, the appointment of Richard Exton as Group Executive, Chief Technology and Data Officer, marks a significant step in its journey. By prioritising technology, data, and AI, the fund is poised to deliver enhanced value to its members, supporting their retirement goals while reinforcing its position as a leader in the financial services sector.

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Aware Super, one of Australia's largest industry super funds, has announced a pivotal appointment to its executive team, underscoring the growing importance of technology, data, and artificial intelligence (AI) in the financial sector. Richard Exton has been named Group Executive, Chief Technology and Data Officer, effective from 1 November 2025. In his new role, Exton will report directly to Aware Super's Chief Executive Officer, Deanne Stewart, as the company seeks to solidify its leadership in digital innovation and member services.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(107) "/retirement/superannuation/aware-super-elevates-tech-leadership-with-strategic-appointment-of-richard-exton" ["image"]=> string(105) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761005609/Richard_Exton_lubyre.jpg" ["image_alt"]=> string(80) "Aware Super elevates tech leadership with strategic appointment of Richard Exton" } [1]=> object(stdClass)#8781 (57) { ["id"]=> int(19050) ["title"]=> string(68) "Financial progress hinges on ambition, not income, says Stake Report" ["alias"]=> string(66) "financial-progress-hinges-on-ambition-not-income-says-stake-report" ["introtext"]=> string(418) "

Australia faces a financial turning point, with new research from online investment platform Stake revealing a nation divided into two distinct groups: the 'Starters', who invest and feel in control of their financial future, and the 'Stallers', who refrain from investing and feel constrained by their circumstances. This divide is not merely about income levels but is deeply rooted in mindset and ambition.

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The 2025 Stake Ambition Report, surveying over 2,000 Australians, highlights that while investing is recognised as a strategy for financial advancement, it also provides psychological benefits. The act of investing instils a sense of optimism and control over one's life. Starters are 41% more likely than Stallers to believe in their financial success, even in challenging economic conditions (69% vs. 49%). This trend of optimism is evident across all income brackets among Starters.

Despite these advantages, nearly half of Australians remain non-investors. A perceived lack of funds is the primary barrier for 56% of Stallers, even though 70% have contributed to their savings in the past six months. Notably, 36% of non-investors earning over $151,000 annually still feel they lack sufficient funds to invest, indicating that the issue lies not with financial resources but with ambition.

Matt Leibowitz, CEO and Founder of Stake, comments: “This research highlights the need for Australia to better equip everyone to feel confident in investing, especially in a tough economic environment where more Aussies feel left behind. Our mission is to close the ambition gap between Starters and Stallers by breaking down the barriers to investing and empowering them with an ambitious mindset. We call that the Investing EQ.”

Interestingly, 'mateship' emerges as a powerful motivator for Starters. The report shows that investors are more attuned to their peers' financial activities (54% vs. 44%), suggesting that witnessing peers take financial strides encourages Australians to transform personal ambition into tangible action. For Stallers, looking to friends for inspiration could provide the necessary push to overcome psychological barriers.

Sam Paul, Managing Director of The Behavioural Architects, explains why investors are more influenced by friends than family (36% vs. 32%): “This data reveals a psychological shift in who we trust for financial guidance. The traditional playbook that worked for our parents feels unrelatable in today's economy. Seeing friends and colleagues navigate similar challenges and still make financial progress provides powerful, relatable proof that it’s possible to get ahead, boosting confidence to back oneself.”

Ambitious Australians Challenge the Inheritocracy

Around half of Australia's younger generations (55% of Gen Z and 49% of Millennials) now believe that inheritance is more crucial than hard work, highlighting the impact of Australia's inheritocracy and signalling a rejection of hustle culture. Recognising the limitations of the traditional path to homeownership, younger Australians are not waiting for handouts. Instead, they are turning to investing to build wealth independently. The numbers reflect this shift, with 60% of Gen Z and Millennials investing, a 25% increase over Gen X and Boomers.

By actively investing, these younger Australians are carving out a new route to financial independence, gaining confidence along the way. Investors without homeownership are nearly twice as likely as non-investors to feel they can afford a home without an inheritance.

Matt Leibowitz adds: “In today’s economy, the goalposts are always shifting. Plans that worked in the past may fail today, and people are rightly questioning how to get ahead when the old rules no longer apply. Stake’s research shows that taking control of your finances through investing is more than just a path to financial stability; it’s a way to build resilience and optimism.”

Additional Insights from the Report

Confidence remains a significant barrier for women. Nearly a third (32%) of women who do not invest cite a lack of confidence in making investment decisions, compared to 22% of men. However, marriage often serves as a catalyst for women to start investing, suggesting that building a shared financial future and setting mutual goals motivates action.

Generational differences in trading activity are also notable. Over half of Gen Zs and Millennials engage in up to 24 trades a year, whereas most Boomers (69%) make fewer than three trades annually. Young Australians see asset ownership as crucial for financial advancement, with seven in ten Gen Zs and Millennials prioritising asset ownership over career progression, a sentiment shared by less than half of Boomers.

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Australia faces a financial turning point, with new research from online investment platform Stake revealing a nation divided into two distinct groups: the 'Starters', who invest and feel in control of their financial future, and the 'Stallers', who refrain from investing and feel constrained by their circumstances. This divide is not merely about income levels but is deeply rooted in mindset and ambition.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(102) "/retirement/self-managed-super-fund/financial-progress-hinges-on-ambition-not-income-says-stake-report" ["image"]=> string(111) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761004566/pexels-olly-3756679_pc8zp6.jpg" ["image_alt"]=> string(68) "Financial progress hinges on ambition, not income, says Stake Report" } [2]=> object(stdClass)#8780 (57) { ["id"]=> int(19048) ["title"]=> string(62) "Rest appoints Marina Pasika as interim head of private markets" ["alias"]=> string(62) "rest-appoints-marina-pasika-as-interim-head-of-private-markets" ["introtext"]=> string(307) "

Rest, one of Australia's largest profit-to-member superannuation funds, has announced the appointment of Marina Pasika as the Interim Head of Private Markets. This decision comes as the fund embarks on a recruitment process to find a permanent replacement following the departure of Simon Esposito.

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Marina Pasika, who has been with Rest since 2020, brings a wealth of experience to her new role. With over 15 years of investment expertise in private equity and alternative assets, Pasika has held senior positions at prestigious institutions including the Future Fund and Goldman Sachs. Her extensive background is expected to be a significant asset as she takes on the responsibilities of leading Rest's private markets strategy.

Since joining Rest, Pasika has been instrumental in enhancing the fund's private equity capabilities and reshaping its alternatives strategy. Her efforts have not gone unnoticed within the organisation. Michael Clancy, Rest’s Chief Investment Officer, expressed his confidence in Pasika's abilities, stating, “Congratulations to Marina on her appointment as Interim Head of Private Markets. She brings great leadership skills and deep experience, and I’m really pleased that she is stepping into the role in support of our more than 2 million members.”

Pasika's appointment is seen as a strategic move for Rest as it continues to navigate the complexities of private markets. Her dual role, which includes leading Rest’s Growth Alternatives team, underscores her pivotal position within the organisation. This dual responsibility is expected to provide continuity and stability during the transition period as the search for a permanent head is underway.

In her previous roles, Pasika has demonstrated a keen ability to manage and grow investment portfolios. Her experience at the Future Fund, one of Australia's largest sovereign wealth funds, and Goldman Sachs, a leading global investment banking, securities, and investment management firm, has equipped her with the skills necessary to drive Rest's private market initiatives forward. Her leadership in these roles has been marked by strategic foresight and a deep understanding of market dynamics.

The decision to appoint Pasika comes at a time when Rest is looking to strengthen its position in the private markets sector. With more than 2 million members relying on the fund for their retirement savings, the importance of having a strong leader at the helm of private markets cannot be overstated. Pasika's proven track record in investment management is expected to play a crucial role in achieving the fund's objectives.

Rest has been actively working to enhance its investment strategies, particularly in the realm of private equity and alternative assets. The fund's commitment to delivering strong returns for its members is reflected in its strategic appointments and the emphasis on building a robust investment team. Pasika's leadership is anticipated to provide the necessary guidance and direction to further develop Rest's private market investments.

As the interim head, Pasika will be tasked with overseeing a diverse portfolio and ensuring that the fund's investments align with its long-term goals. Her ability to navigate the complexities of private markets will be crucial in maintaining the fund's competitive edge and delivering value to its members.

While the search for a permanent head of private markets is ongoing, Rest's decision to appoint an experienced leader like Pasika demonstrates its commitment to maintaining stability and continuity in its investment strategies. Her appointment is a testament to the confidence that Rest's leadership team has in her capabilities.

Marina Pasika's appointment as Interim Head of Private Markets marks a significant step for Rest as it continues to strengthen its position in the investment landscape. With her extensive experience and proven leadership skills, Pasika is well-positioned to guide the fund through this transition period and beyond. As she steps into this pivotal role, the focus will be on leveraging her expertise to drive growth and deliver strong returns for Rest's 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 Marina Pasika as the Interim Head of Private Markets. This decision comes as the fund embarks on a recruitment process to find a permanent replacement following the departure of Simon Esposito.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(89) "/retirement/superannuation/rest-appoints-marina-pasika-as-interim-head-of-private-markets" ["image"]=> string(110) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1760643018/Marina_Pasika_2025_ayma4f.jpg" ["image_alt"]=> string(62) "Rest appoints Marina Pasika as interim head of private markets" } [3]=> object(stdClass)#8779 (57) { ["id"]=> int(19041) ["title"]=> string(81) "Payday Super bill introduces new challenges for SMBs, reveals Employment Hero CEO" ["alias"]=> string(80) "payday-super-bill-introduces-new-challenges-for-smbs-reveals-employment-hero-ceo" ["introtext"]=> string(418) "

The introduction of the Payday Super bill to the Australian Parliament has sparked a significant response from the business community, particularly among small and medium-sized businesses (SMBs). Employment Hero, a leading employment management platform, has conducted new modelling that highlights the potential financial strain these businesses could face as they prepare to comply with the new legislation.

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According to Employment Hero's findings, there is a looming $124,000 working capital gap that SMBs will need to bridge in order to meet the government's Payday Super requirements. This gap could present a considerable challenge for many businesses, particularly as the 1 July 2026 implementation date draws nearer.

Ben Thompson, CEO of Employment Hero, expressed his support for the bill while acknowledging the hurdles it presents for SMBs. "Employment Hero welcomes the introduction of the Payday Super bill to the Australian Parliament. With the 1 July 2026 implementation date fast approaching, this legislation provides much-needed clarity and certainty for Australian businesses preparing for one of the most significant payroll and compliance reforms in decades," Thompson stated.

The bill, which aims to enhance payroll compliance, has been met with mixed reactions from the SMB sector. A survey conducted by Employment Hero among its customers reveals that 15% of SMBs are currently unaware of the Payday Super changes. Additionally, 32.5% of businesses indicated they would need to build cash reserves to remain solvent under the new regulations.

One of the more contentious points highlighted by the survey is the potential impact on pay cycles. More than 20% of businesses surveyed suggested they might need to change their pay cycles to accommodate the new superannuation requirements. This prospect is met with resistance from employees, with 84% opposing any changes to their current pay cycles.

Thompson emphasised the importance of practical implementation that takes into account the operational realities facing SMBs. "Employment Hero strongly supports the intention of the reform and has consistently advocated for practical implementation that recognises the realities of how small and medium businesses operate. We’re pleased to see some of the considerations raised with Treasury reflected in the bill and we look forward to continuing to consult as it progresses through Parliament," he noted.

As the deadline approaches, Employment Hero is committed to providing support to SMBs navigating these changes. Thompson highlighted the company's efforts to develop new technological solutions to aid businesses in managing the new requirements efficiently. "Our focus remains on supporting hundreds of thousands of small and medium-sized businesses (SMBs) through these changes with industry-leading technology. We are rapidly developing new solutions within our Employment Operating System to help employers manage Payday Super with ease, accuracy and confidence," he said.

The introduction of the Payday Super bill marks a significant shift in payroll compliance, and its impact on SMBs will be closely monitored as the implementation date approaches. While the bill aims to provide clarity and certainty, the financial and operational challenges it presents cannot be overlooked. As businesses prepare for these changes, the role of technology and supportive platforms like Employment Hero will be crucial in ensuring a smooth transition.

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• Yes

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The introduction of the Payday Super bill to the Australian Parliament has sparked a significant response from the business community, particularly among small and medium-sized businesses (SMBs). Employment Hero, a leading employment management platform, has conducted new modelling that highlights the potential financial strain these businesses could face as they prepare to comply with the new legislation.

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In a significant move towards enhancing retirement outcomes for Australian workers, Rest, one of the country's largest profit-to-member superannuation funds, has expressed strong support for the introduction of the Payday Super legislation into Parliament. The proposed reform is seen as a pivotal development, particularly for part-time and casual workers, and is aimed at aligning Superannuation Guarantee payments with payroll cycles.

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Rest's Chief Strategy Officer, Tyrone O’Neill, highlighted the potential benefits of the legislation, emphasising its impact on fairer and more equitable retirement outcomes. "Aligning Superannuation Guarantee payments with payroll cycles will help unlock the power of compounding returns on more frequent contributions and support many of our more than 2 million members to achieve their best-possible retirement," Mr O’Neill stated. This alignment is expected to provide a more consistent and transparent method for workers to track their super contributions, a crucial factor for those whose working hours and income can vary significantly from week to week.

The introduction of this legislation is particularly timely given the growing number of Australians engaged in part-time and casual work, sectors that often grapple with irregular income and superannuation contributions. By ensuring that super payments coincide with regular payroll cycles, the legislation aims to mitigate these challenges, offering workers a more reliable pathway to building their retirement savings.

Mr O’Neill also noted the broader implications of the reform for the superannuation industry. "This reform 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 said. The ability to monitor contributions more effectively could lead to increased engagement and financial literacy among super fund members, empowering them to make more informed decisions about their retirement planning.

Rest has been a vocal advocate for the legislation, recognising its potential to deliver tangible benefits to its extensive membership base, which includes over two million Australians. The fund has consistently championed initiatives that promote fairness and equity within the superannuation system, aligning with its mission to maximise retirement outcomes for all members.

The introduction of the Payday Super legislation has been met with enthusiasm not only from Rest but also from various stakeholders across the industry. The government has been commended for taking decisive action to address long-standing issues within the superannuation framework. "We congratulate the Government on introducing this important reform. We urge Parliament to pass this legislation as soon as possible so our members, and all working Australians, can benefit," Mr O’Neill urged, reflecting the urgency and importance of the reform in the eyes of industry leaders.

As the legislation makes its way through Parliament, Rest is committed to working collaboratively with the government and other industry stakeholders to ensure its successful implementation. The fund is poised to play a key role in facilitating the transition to the new system, drawing on its extensive experience and expertise in managing superannuation for a diverse membership.

The potential benefits of the Payday Super legislation extend beyond individual workers, with the reform expected to contribute to a more robust and sustainable superannuation system overall. By promoting regular contributions and enhancing transparency, the legislation aligns with broader efforts to strengthen the retirement income framework in Australia.

As discussions around the legislation continue, the focus remains on ensuring that the reform delivers on its promise of fairer and more equitable retirement outcomes for all Australians. With strong support from key industry players like Rest, the path towards a more inclusive and effective superannuation system appears increasingly attainable.

Rest's proactive stance on the Payday Super legislation underscores its commitment to advocating for policies that enhance the financial security of its members. As the superannuation landscape evolves, the fund's emphasis on fairness, transparency, and member engagement remains at the forefront of its strategic priorities.

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In a significant move towards enhancing retirement outcomes for Australian workers, Rest, one of the country's largest profit-to-member superannuation funds, has expressed strong support for the introduction of the Payday Super legislation into Parliament. The proposed reform is seen as a pivotal development, particularly for part-time and casual workers, and is aimed at aligning Superannuation Guarantee payments with payroll cycles.

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In a move that signals a shift rather than a cessation, Australia's government has announced a targeted review of the superannuation performance test. This recalibration, prompted by the latest results from the Australian Prudential Regulation Authority (APRA) and industry feedback, aims to correct perverse incentives while maintaining accountability. The next six to twelve months will be crucial for funds, managers, and corporations seeking super capital as they navigate this evolving landscape.

" ["fulltext"]=> string(5029) "

Performance test remains, but with adjustments

The government's intention is clear: the performance test will not be scrapped but refined to better serve its purpose. The recalibrated test is expected to maintain member protection while also easing barriers to long-term, illiquid investments, such as those in housing, infrastructure, and private markets. This adjustment will require boards to operate in a "both/and" environment, balancing benchmark discipline with a more open approach to productive risk.

APRA's recent results underscore the current state of the market, with most MySuper defaults passing comfortably and a subset of trustee-directed products still facing challenges. This division is reshaping fund flows and accelerating product rationalisation. As the super system surpasses A$3.7 trillion in assets, even minor shifts in performance can lead to multi-billion-dollar switches. While early failures in 2021 were high-profile, subsequent waves have seen fewer defaults, though the extension of the test to more complex products has created a new group of underperformers.

"Pass the test, and you protect flows; fail, and you face fee pressure, outflows, and possibly even mergers," one industry insider noted.

Technical insights into the test's impact

The Your Future, Your Super (YFYS) test evaluates net returns against a benchmark derived from each product's strategic asset allocation (SAA), using standard market indices and a tolerance threshold. Failing once requires member notification, while failing twice means closure to new members. While the test has driven fee reductions and enhanced accountability, it also presents unintended consequences.

"Since performance is measured against SAA-based indices, funds are penalised for persistent tracking error," an analyst explained. "This discourages high-conviction tilts and some active strategies, particularly in volatile markets."

Unlisted assets, such as private equity and infrastructure, often face mismatches with liquid benchmarks, leading to elevated tracking errors and timing issues due to valuation lags. Additionally, trustee-directed products with diverse options can struggle to optimise under a single, strict lens.

APRA maintains that the test has improved performance and transparency, a view supported by fewer failures over time and significant member fee savings. However, Treasury is now examining how to preserve these benefits while eliminating distortions, particularly as more institutional capital is needed for housing and energy transitions.

Business implications: capital allocation and competition

The performance test has become a critical factor in capital allocation, influencing which super mandates are granted, which assets are favoured, and which products survive. For super funds, portfolio construction increasingly leans toward listed, benchmark-friendly exposures, while private markets teams face tighter discipline. Asset managers capable of delivering benchmark-aware alpha and offering liquid proxies for infrastructure or property stand to gain an advantage.

"If the review relaxes constraints on illiquids, we can expect larger investments from super funds into projects like build-to-rent and grid upgrades," a fund manager noted. "This could lower the cost of capital for nation-building projects, provided risk/return profiles and governance meet standards."

Platforms, particularly trustee-directed options, face a culling process, leading to fewer, clearer, and lower-fee products with stronger pass probabilities. This menu simplification will compress underperforming niche strategies.

Competitive edge for early movers

Leadership in this new landscape will belong to funds that can both pass the test and invest productively off-benchmark. Emerging strategies include dual-mandate portfolio design, which maintains a benchmark-aligned core while allowing for segregated sleeves focused on illiquid and climate-aligned growth. Additionally, tightening SAA definitions and benchmark choices can better reflect intended exposures, such as using listed infrastructure as partial proxies.

"Strengthening unlisted asset valuation processes and frequency will be crucial," a trustee emphasised. "This reduces timing noise versus liquid benchmarks and is a focal point for both APRA and trustees."

Australia is not alone in this endeavour, with global counterparts like the UK and Netherlands also emphasising long-term accountability and transparency. The likely outcome of Australia's review is a more nuanced test that continues to pressure chronic underperformance while aligning with the nation's retirement and investment goals. As the review progresses, funds that proactively enhance analytics, refresh SAA and governance, and prepare for a more permissive stance on productive illiquids will be well-positioned to capture flows and win mandates.

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• Yes

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In a move that signals a shift rather than a cessation, Australia's government has announced a targeted review of the superannuation performance test. This recalibration, prompted by the latest results from the Australian Prudential Regulation Authority (APRA) and industry feedback, aims to correct perverse incentives while maintaining accountability. The next six to twelve months will be crucial for funds, managers, and corporations seeking super capital as they navigate this evolving landscape.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(135) "/retirement/superannuation/rewiring-accountability-what-a-recalibrated-super-performance-test-means-for-capital-competition-and-members" ["image"]=> string(126) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759872811/pexels-tima-miroshnichenko-5591274_zfjeas.jpg" ["image_alt"]=> string(95) "Recalibrated super performance test aims to enhance accountability and investment opportunities" } }