Retirement
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In a significant move to make financial advice more accessible, NGS Super has unveiled an enhanced suite of member advice services, featuring a new digital advice platform. This initiative aims to bridge the gap for members seeking quality financial guidance without incurring hefty costs, a common deterrent for many Australians.
" ["fulltext"]=> string(4114) "A new era of financial guidance
The revamped model is a part of NGS Super’s strategic focus on personalised service, offering a more straightforward pathway to financial advice. This approach integrates digital tools, phone-based consultations, and comprehensive financial planning into a cohesive experience tailored to support members at crucial financial junctures.
Central to this launch is the new NGS Virtual Adviser tool and a series of self-directed educational modules, which are accessible to both members and non-members via the NGS Super website. These resources are designed to provide personalised superannuation advice and comprehensive financial planning solutions.
Meeting the demand for accessible advice
NGS Super CEO Natalie Previtera highlighted the motivation behind the enhanced services, stating, “Our members are telling us they want help making financial decisions without the complexity or cost barrier.” She emphasised the organisation’s commitment to rewarding member loyalty by making quality advice more accessible. “Accessing the right advice and guidance can make a meaningful difference to your retirement no matter what your balance or life stage. We know that when members receive advice, they feel more confident and more in control of their financial future," Ms Previtera added.
Digital advice experience redefined
A standout feature of the new offering is the NGS Virtual Adviser, developed in collaboration with Guideway Financial Services. This tool is designed to simplify navigation through superannuation topics and offer personalised guidance, while also providing access to qualified financial advisers when necessary. Key topics covered include contributions, investment choices, insurance, and retirement planning.
Guideway’s CEO, Alex Aracas, commented on the significance of this development, saying, “By combining intuitive digital guidance with clear pathways to self-service, Super Specialists or licensed financial planners, NGS Super is making high‑quality advice more accessible, more timely and better matched to members’ needs at different life stages.”
The NGS Advice Essentials service remains a cornerstone of the offering, providing introductory personal advice at no extra cost to members. This service is delivered by licensed financial advisers and is available through various channels, including phone, video, and the new digital adviser tool.
Expanded services for comprehensive support
The launch also introduces NGS Advice Essentials Plus, an extension of the existing service that offers more detailed advice on topics such as superannuation consolidation and transitioning into retirement. This low-cost service is delivered by phone advisers, further expanding the accessibility of financial guidance.
For members requiring support beyond superannuation, NGS Super continues to offer NGS Advice Platinum. This service is delivered by in-house licensed financial planners and provides tailored advice across a broad spectrum of financial matters.
Darryn Studdert, Executive Manager of Advice and Education at NGS Super, elaborated on the importance of these updates, stating, “Members now have more ways to engage, clearer pathways into advice, and access to high-quality support well before they reach major retirement milestones. For some, that may be digital guidance or a simple conversation at no additional cost. For others, it may be more detailed advice or comprehensive financial planning. What matters is that every member can access the right level of support, at the right time, in a way that works for them.”
With these new services now available, NGS Super is poised to redefine the landscape of financial advice, ensuring that high-quality support is within reach for all its members, regardless of their financial stage or balance. This initiative underscores NGS Super’s commitment to enhancing member experience and empowering Australians to make informed financial decisions.
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In a significant move to make financial advice more accessible, NGS Super has unveiled an enhanced suite of member advice services, featuring a new digital advice platform. This initiative aims to bridge the gap for members seeking quality financial guidance without incurring hefty costs, a common deterrent for many Australians.
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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(108) "/retirement/superannuation/ngs-super-rolls-out-enhanced-member-advice-services-with-a-focus-on-accessibility" ["image"]=> string(125) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1779425109/pexels-edwin-nava-2025061-4189446_nyoofi.jpg" ["image_alt"]=> string(81) "NGS Super rolls out enhanced member advice services with a focus on accessibility" } [1]=> object(stdClass)#10889 (57) { ["id"]=> int(21252) ["title"]=> string(87) "US data centre investment highlights the benefits of decarbonisation and digitalisation" ["alias"]=> string(87) "us-data-centre-investment-highlights-the-benefits-of-decarbonisation-and-digitalisation" ["introtext"]=> string(437) "In a compelling demonstration of the global shift towards decarbonisation and digitalisation, Rest, one of Australia's largest profit-to-member superannuation funds, has underscored the value created for its members through a recent investment in a US-based data centre portfolio. This move aligns with Rest's commitment to sustainable investments and reflects broader trends shaping the future of infrastructure and technology.
" ["fulltext"]=> string(3738) "Rest's investment is channelled through Quinbrook's Net Zero Power Fund (NZPF), where the superannuation fund is the largest investor. Quinbrook, a renewable energy infrastructure manager, recently announced a significant development: funds affiliated with the global private markets firm Blackstone have acquired a notable minority stake in Rowan Digital Infrastructure. Rowan is a developer of hyperscale data centre campuses, boasting a portfolio of over 20 sites across the United States. The projects are strategically designed to access renewable power sources, in line with their renewable energy objectives.
Andrew Bambrook, Rest’s Head of Real Assets – Investments, highlighted the strategic importance of Blackstone’s involvement. “Most of our members will not retire for many decades and we think deeply about the world they’ll retire into. We have a long-term objective to achieve a net zero carbon footprint for Rest by 2050,” he said. Bambrook further elaborated on the dual forces of decarbonisation and digitalisation as pivotal to the global economy's evolution, while also promising substantial long-term returns for Rest’s over two million members. “Blackstone’s investment in Rowan reflects the growing recognition of the opportunities created by decarbonisation and digitalisation. This investment shows a strong return for members now, while also maintaining the opportunity to generate future returns for members over the longer-term.”
David Scaysbrook, Managing Partner at Quinbrook and Chairman of Rowan, provided insights into the strategic vision driving Rowan's initiatives. "We’re focused on developing power and infrastructure solutions that solve hyperscale operators’ urgent need for more compute capacity at scale," Scaysbrook stated. He emphasised Rowan's pioneering role in securing access to power, which is crucial for the burgeoning global data centre development. "This power focus leverages Quinbrook’s specialist expertise in power project development tailored to the needs of energy intensive customers.”
In 2023, Rest committed a substantial US$650 million with Quinbrook to invest in assets poised to benefit from long-term trends in decarbonisation and digitalisation, including solar and battery projects and renewable-energy supported data centres. Bambrook highlighted Rest's proactive approach in this domain, noting, “Rest has established a track record of supporting next-generation renewable energy investments, particularly through its commitments with expert managers like Quinbrook and Octopus Investments Australia, and our direct ownership of Collgar Renewables.”
The investment in Rowan is seen as a continuation of Rest's strategy to secure sustainable and profitable ventures for its members. Bambrook expressed confidence in the future benefits of these investments, saying, “We believe our members will continue to benefit over the longer-term from our ongoing stake in Rowan, as well as Quinbrook’s strong return profile overall. We expect this investment will help our members grow their super while contributing to a more sustainable future.”
The strategic alignment with Rowan and Quinbrook underscores Rest's commitment to integrating sustainability into its investment portfolio, ensuring that its members not only receive financial returns but also contribute to a more sustainable and environmentally friendly future. As the world increasingly turns towards digital solutions powered by renewable energy, investments like these highlight the intersection of financial prudence and ecological responsibility, setting a precedent for future infrastructure and technology investments.
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This move aligns with Rest's commitment to sustainable investments and reflects broader trends shaping the future of infrastructure and technology." 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In a compelling demonstration of the global shift towards decarbonisation and digitalisation, Rest, one of Australia's largest profit-to-member superannuation funds, has underscored the value created for its members through a recent investment in a US-based data centre portfolio. This move aligns with Rest's commitment to sustainable investments and reflects broader trends shaping the future of infrastructure and technology.
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retirement outcomes for their clients. This initiative underscores the critical role financial advisers play in Australia's financial advice ecosystem, particularly for clients grappling with intricate financial and retirement planning.
" ["fulltext"]=> string(3730) "The superannuation fund has witnessed a notable uptick in the number of registered advisers leveraging its services, accompanied by the formation of new licensee partnerships. To build on this momentum, Aware Super is expanding its Advice Relationships capability, with a focus on providing advisers with reliable, practical support, local relationship management, and in-depth technical expertise.
Central to this expansion is the creation of a new position, Senior Manager of Technical Services, to which Troy Smith has been appointed. This role, nestled within the Advice Relationships team, is pivotal in developing and delivering technical education to licensees and advisers. It will involve conducting professional development days, participating in industry association events, and hosting webinars. Additionally, the role will offer technical support to financial advisers navigating complex client scenarios.
Troy Smith brings over 15 years of experience from his tenure in technical and advice-facing roles at Insignia and ANZ/OnePath, including his previous position as National Manager of Technical Services at Insignia. Most recently, he served as Partnership Disputes Resolution Manager at Zurich.
Natalie Jarvis, Aware Super's General Manager of Growth and Partnerships, expressed confidence in Smith’s appointment, emphasising its potential to reinforce the fund’s adviser proposition. "As adviser engagement continues to grow, it’s critical we invest in deep technical capability that advisers can rely on," she stated. "Troy brings extensive industry experience and a strong ability to translate complex technical issues into practical guidance, which will further enhance the support we provide to advisers and, ultimately, their clients."
Smith will report directly to Warwick Gribble, Aware Super's National Manager of Advice Relationships. His appointment is seen as a testament to the $235 billion fund’s long-term commitment to fostering constructive and collaborative relationships with the advice profession.
Jarvis elaborated on the fund's dedication to the advice sector, noting, "We understand that advice is not one size fits all, and that many of our members value the personalised guidance that comes from working with a trusted financial adviser." She added, "Our role is to support that advice ecosystem by equipping advisers with strong local relationships, high-quality technical support and education, while ensuring members can access advice in the way that suits them best."
The move to enhance adviser support comes at a time when the financial advice industry is undergoing significant transformation, with increasing demand for tailored advice to address complex financial needs. Aware Super’s initiative reflects a broader trend within the industry to provide advisers with the resources and support necessary to meet these evolving demands.
By investing in technical services and adviser support, Aware Super is positioning itself as a leader in the financial advice space, offering advisers the tools they need to deliver optimal outcomes for their clients. This strategic focus not only strengthens the fund’s relationship with advisers but also ensures that its members receive the highest quality of advice and support.
As the financial landscape continues to evolve, Aware Super’s commitment to innovation and collaboration with financial advisers sets a benchmark for the industry. By prioritising technical expertise and practical support, the fund is poised to navigate the challenges of the financial advice sector, ensuring its members are well-equipped to achieve their retirement goals.
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In a strategic move to enhance its growth trajectory, Aware Super has announced a significant investment in bolstering support for financial advisers, aiming to deliver superior retirement outcomes for their clients. This initiative underscores the critical role financial advisers play in Australia's financial advice ecosystem, particularly for clients grappling with intricate financial and retirement planning.
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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(104) "/retirement/superannuation/aware-super-bolsters-support-for-financial-advisers-amid-growing-partnerships" ["image"]=> string(115) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/c_pad,ar_4:3/v1778935524/Troy_Smith_fwjlrn.jpg" ["image_alt"]=> string(77) "Aware Super bolsters support for financial advisers amid growing partnerships" } [3]=> object(stdClass)#10887 (57) { ["id"]=> int(21165) ["title"]=> string(89) "TelstraSuper and Aware Super merge, creating a powerhouse with over $235 billion in funds" ["alias"]=> string(87) "telstrasuper-and-aware-super-merge-creating-a-powerhouse-with-over-235-billion-in-funds" ["introtext"]=> string(462) "In a strategic move that underscores the growing trend of consolidation in the superannuation industry, TelstraSuper and Aware Super have successfully completed their merger, creating a formidable entity with approximately 1.3 million members and over $235 billion in funds under management. This merger, finalised in less than a year since the initial proposal, is a testament to the shared vision and operational synergy between the two organisations.
" ["fulltext"]=> string(3565) "The merger process, which began with exploratory discussions in July last year, quickly gained momentum. By October, the two funds had signed a Heads of Agreement, and on 30 April, they executed the Successor Fund Transfer (SFT) that officially brought about the unification. This swift execution highlights the alignment of values and the robust execution capabilities of both super funds.
Deanne Stewart, CEO of Aware Super, expressed her enthusiasm for the merger, noting its significance in the history of both funds. "This merger is a significant achievement in the history of Aware Super and TelstraSuper and enables members to benefit from the deep retirement and advice capabilities of both organisations, greater scale and enhanced member outcomes," she said. Stewart further highlighted the speed of the merger, stating, "Remarkably, it has been achieved in only 9 months which speaks to the alignment of values and strong execution capabilities of both organisations."
The merger brings approximately 85,000 TelstraSuper members into the Aware Super fold, expanding the fund's reach and influence in the superannuation sector. Stewart warmly welcomed the new members, saying, "We are thrilled to welcome TelstraSuper members to Aware Super and excited at the opportunities ahead to help them achieve their best possible retirement." She also extended her gratitude to the TelstraSuper team for their dedication, adding, "Our sincere thanks to the TelstraSuper Board, Executive and broader team for their dedication to their members and making the merger a success."
Former TelstraSuper CEO Chris Davies also expressed his satisfaction with the merger's completion. He emphasised the importance of finding the right partner to ensure the long-term best interests of TelstraSuper members. "We’re pleased to see the merger successfully completed, and proud that TelstraSuper has joined with the right partner to support our members’ long-term best interests," Davies said. He affirmed Aware Super's commitment to delivering strong retirement outcomes, noting, "Aware Super shares our deep commitment to members and is well placed to continue delivering strong retirement outcomes."
Davies also commended the efforts of both organisations in bringing the merger to fruition. "Congratulations to everyone involved across both organisations for their hard work and unwavering focus on supporting our members - now and into the future," he remarked.
In the wake of the merger, Aware Super has committed to a period of heightened support and additional resourcing in the coming weeks. This is to ensure that member questions and requests are addressed promptly, reflecting both organisations' commitment to maintaining high standards of member service during the transition period.
The merger between TelstraSuper and Aware Super is indicative of a broader trend in the superannuation industry, where funds are seeking to consolidate to achieve greater scale and efficiency. By combining resources and expertise, the newly merged entity is well-positioned to enhance member outcomes and adapt to the evolving landscape of retirement savings and investment.
As the dust settles on this significant merger, the focus will now shift to integrating operations and delivering on the promises made to members. With the combined strengths of TelstraSuper and Aware Super, the future looks promising for the expanded membership base, who can expect enhanced services and improved retirement prospects.
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In a strategic move that underscores the growing trend of consolidation in the superannuation industry, TelstraSuper and Aware Super have successfully completed their merger, creating a formidable entity with approximately 1.3 million members and over $235 billion in funds under management. This merger, finalised in less than a year since the initial proposal, is a testament to the shared vision and operational synergy between the two organisations.
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extending superannuation contributions to workers under the age of 18. The Senate Economics Legislation Committee's majority report, released today by Government and Coalition Senators, endorses the idea of paying super on every dollar earned, including for under-18 workers, regardless of their weekly hours.
" ["fulltext"]=> string(3461) "The current superannuation system mandates that workers under 18 must work over 30 hours a week to qualify for compulsory employer contributions. However, Rest's General Manager of Public Policy & Advocacy, Enrico Burgio, believes it's time for this outdated requirement to change. "Because of an outdated requirement to work 30 hours per week, most under-18 workers are missing out on compulsory super contributions. It’s time for this to change," he stated.
The support for this change is not limited to the Government and Coalition Senators. The Australian Greens, in their Dissenting Report, have also backed the initiative, urging for immediate implementation. This broad political backing marks a pivotal moment, as noted by Mr Burgio, who is calling on the Government and Parliament to capitalise on the momentum and commit to making this change a reality. "We wholeheartedly welcome this strong cross-parliamentary support for paying superannuation on every dollar earned and extending the Superannuation Guarantee to all under-18 workers. We urge the Government to now outline a plan to implement this change," Burgio emphasised.
Rest has been a long-time advocate for this reform. In its Pre-Budget Submission to Treasury earlier this year, the fund highlighted this change as a priority recommendation. The fund's analysis suggests that eliminating the 30-hour requirement could significantly boost the retirement savings of young workers. According to Rest, a typical 15-year-old member could see an estimated increase of $3,400 in super by their 18th birthday and an additional $18,100 by retirement, in today's dollars. The benefits extend to 16 and 17-year-old members as well, indicating a meaningful uplift in their super balances.
"This rule is getting in the way of our young Rest members building a fairer and more equitable retirement. Our analysis has shown that scrapping the rule could add thousands to their retirement balances," Burgio noted. The potential for increased retirement savings is a compelling argument for the proposed reform, which aligns with the broader goal of ensuring financial security for all Australians.
While the proposed changes have garnered widespread support, there is recognition of the need for careful implementation. Burgio stressed the importance of considering the impact on employers and suggested a phased approach. "It’s important the potential impact on employers is thoroughly considered and the change is implemented through a multi-year, staged rollout. We agree that the change will require careful consultation," he remarked.
Currently, some employers voluntarily provide super contributions to under-18 workers, despite the absence of a legal requirement. This indicates a growing recognition of the importance of early superannuation contributions in building long-term financial security. The proposed legislative change would ensure that all young workers receive these benefits, levelling the playing field and promoting a fairer superannuation system.
As the discussion around superannuation reform continues, the cross-party support for extending super contributions to under-18s represents a significant step forward. The potential benefits for young workers are substantial, and the momentum generated by this bipartisan backing could pave the way for a more inclusive and equitable superannuation system in Australia.
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The Senate Economics Legislation Committee's majority report, released today by Government and Coalition Senators, endorses the idea of paying super on every dollar earned, including for under-18 workers, regardless of their weekly hours." 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In a significant development for Australia's superannuation landscape, Rest, one of the nation's largest profit-to-member super funds, has praised the recent cross-parliamentary support for extending superannuation contributions to workers under the age of 18. The Senate Economics Legislation Committee's majority report, released today by Government and Coalition Senators, endorses the idea of paying super on every dollar earned, including for under-18 workers, regardless of their weekly hours.
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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(101) "/retirement/superannuation/parliamentary-support-heralds-a-fairer-superannuation-system-for-under-18s" ["image"]=> string(122) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1778930874/pexels-vlada-karpovich-7433839_hleebu.jpg" ["image_alt"]=> string(74) "Parliamentary support heralds a fairer superannuation system for under-18s" } [5]=> object(stdClass)#10885 (57) { ["id"]=> int(21160) ["title"]=> string(78) "Australia's superannuation system sets global benchmark for retirement savings" ["alias"]=> string(77) "australias-superannuation-system-sets-global-benchmark-for-retirement-savings" ["introtext"]=> string(529) "Australia has quietly established one of the most effective retirement savings cultures in the world, largely by eliminating the human element from the decision-making process. The country's superannuation system mandates that 12% of every Australian worker's salary is directed into a superannuation fund before it ever reaches their bank account. This automatic approach has been instrumental in fostering a culture of saving and investing for the future, a strategy that other countries are beginning to take note of.
" ["fulltext"]=> string(2877) "The core of Australia's success lies not in the percentage of income directed towards retirement savings, but in the system's ability to make inaction impossible. "In Australia, the system forces good behaviour. In the US, good behaviour is optional, and that optionality is costing millions of workers their retirement," said Dale Gillham, chief analyst at Wealth Within. This compulsory saving scheme ensures that Australians are consistently building their retirement nest egg, regardless of market fluctuations or personal financial decisions.
The principles behind the superannuation system are not exclusive to Australia and can be applied universally. Automating contributions, maintaining investments over a long-term horizon of 10 to 20 years, and holding a broad equity exposure while avoiding reactive decisions are the true drivers of long-term wealth accumulation. These habits are essential for creating a stable financial future and can be adopted by investors worldwide.
For individuals aged between 40 and 60 who feel they are lagging in their retirement savings, the natural inclination might be to pursue higher returns in an attempt to make up for lost time. However, this instinct can be detrimental to achieving a secure retirement. "Capital protection always comes before growth. Define your exit before you ever enter a position, and you take emotion completely out of the equation," Gillham advised. By prioritising capital protection and having a clear exit strategy, investors can mitigate the risks associated with volatile market conditions.
The Australian superannuation system's success is a testament to the power of automatic saving and disciplined investing. By removing the choice to opt out, Australia has effectively created a population that is better prepared for retirement. This model not only ensures consistent contributions but also encourages a mindset of long-term financial planning.
Gillham's insights highlight the importance of a systematic approach to retirement savings. "The habits behind superannuation are completely transferable," he noted, emphasising that the principles of automated contributions and disciplined, long-term investing can benefit individuals globally. By adopting these strategies, investors can build a more secure financial future, regardless of their starting point.
In a world where many are concerned about the adequacy of their retirement savings, Australia's approach offers a valuable lesson. By mandating contributions and fostering a culture of disciplined investing, the country has set a benchmark for others to follow. As more nations grapple with the challenge of ensuring financial security for their ageing populations, Australia's superannuation system serves as a compelling example of how to build a robust retirement savings culture.
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Australia has quietly established one of the most effective retirement savings cultures in the world, largely by eliminating the human element from the decision-making process. The country's superannuation system mandates that 12% of every Australian worker's salary is directed into a superannuation fund before it ever reaches their bank account. This automatic approach has been instrumental in fostering a culture of saving and investing for the future, a strategy that other countries are beginning to take note of.
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object(stdClass)#11126 (1) { ["options"]=> object(stdClass)#11124 (2) { ["options0"]=> object(stdClass)#11123 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#11125 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11120 (3) { ["data":protected]=> object(stdClass)#11128 (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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["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11127 (3) { ["data":protected]=> object(stdClass)#11132 (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)#11535 (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)#11129 (3) { ["data":protected]=> object(stdClass)#11134 (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)#11131 (3) { ["data":protected]=> object(stdClass)#11136 (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(104) "/retirement/superannuation/australias-superannuation-system-sets-global-benchmark-for-retirement-savings" ["image"]=> string(117) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1778929719/pexels-tanhauser-12271021_bzpoaz.jpg" ["image_alt"]=> string(78) "Australia's superannuation system sets global benchmark for retirement savings" } }Many Australians to miss out on EOFY super boost due to affordability and knowledge gaps
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