Superannuation

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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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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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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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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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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.

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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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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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APRA’s latest superannuation performance test results have reignited a high‑stakes debate: does the test optimise member value or unintentionally curb long‑term investment in housing, infrastructure and the energy transition? With the Treasurer ordering a review, the $3.7 trillion super system faces a design choice that will shape capital flows for a decade. The answer will determine not only fees and returns for 16 million Australians but also whether super can play a bigger role in national investment priorities—without diluting fiduciary discipline.

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The business implication lands first: the performance test is now the most powerful capital allocator in Australian finance after monetary policy. Its construction sets the risk budget for super funds, pushes product closures, and steers billions either towards listed benchmarks or into long‑duration assets. A government review, flagged after the 2025 results, puts that steering wheel back in motion. Boards, CIOs and policy‑makers now have a narrow window to shape a regime that protects members while enabling investment in ‘productive’ assets.

How the test works—and why it skews portfolios

APRA’s test assesses a product’s net investment performance against a tailored benchmark built from listed market indices that mirror the product’s disclosed strategic asset allocation. If a product lags its benchmark by more than 0.5 percentage points per annum over the assessment horizon, it fails; two consecutive fails mean no new members and a likely wind‑down. MySuper options are judged over a long look‑back (originally eight years), with trustee‑directed products assessed over the longest available window.

The design creates a strong incentive to minimise “tracking error” to listed benchmarks. Unlisted assets—property, infrastructure, private equity, and newer areas like build‑to‑rent or clean energy platforms—are typically benchmarked to listed proxies that do not match their cashflows, valuation cadence or risk premia. That mismatch can convert into relative underperformance in certain cycles, even when long‑term value is sound. The net effect: a structural tilt towards listed markets, higher liquidity than needed for long‑horizon savers, and a bias against assets whose return pathways are lumpy but attractive over 10–20 years.

The policy clash: member-first returns vs national investment needs

Can a fiduciary test also advance national priorities? Consumer advocates argue the test has delivered tangible wins: lower fees, simpler products and clearer accountability. APRA’s early years saw dozens of underperforming or legacy products exit or merge, improving average outcomes. On the other side, large funds and managers say the current framework crowds out capital for housing supply, energy transition and critical infrastructure—areas where super’s patient balance sheet is an advantage but index-relative evaluation is a constraint.

The government’s review, signalled by the Treasurer, explicitly seeks to remove “unnecessary obstacles” to investing in areas of national need. Shadow finance voices caution against politicising asset allocation or relaxing standards that protect members from persistent underperformance. The centre of gravity is moving towards a “both/and”: preserve accountability while calibrating the test so long‑term, illiquid investments aren’t structurally penalised.

What the numbers tell us—and where they don’t

Australia’s super pool—around A$3.7 trillion—now rivals the GDP in scale. Even marginal shifts in test design redirect tens of billions over time. The first years of testing triggered a wave of product rationalisation, with member alerts forcing funds to close or remediate failing options. In the trustee‑directed universe, some providers (e.g., platform groups and legacy-oriented retail offerings) downplayed failures because of low balances or planned closures; others accelerated product migrations to reduce risk of repeat fails. These behaviours show the test’s potency but also its bluntness: it successfully exits poor products, yet it can punish innovation where performance paths diverge from listed benchmarks.

Internationally, regulators are converging on multi‑metric frameworks. The UK’s emerging Value for Money regime blends net returns, costs and service quality; the Netherlands emphasises long‑term funding and risk management; Canadian plans measure value added versus reference portfolios but grant latitude for illiquids where governance is strong. The lesson: single‑number tests enforce discipline; multi‑metric scorecards better capture persistence, risk and member experience.

Actuaries’ two‑metric fix and a pragmatic middle path

The Actuaries Institute has argued for a more nuanced regime: retain a benchmark‑relative metric to deter chronic underperformance, and add a complementary measure that recognises risk, liquidity and horizon. Options include a risk‑adjusted return (e.g., Sharpe‑like or downside‑risk metric), a long‑horizon assessment for illiquids (using internal rate of return or vintage‑aware measures), or a “value‑added versus reference portfolio” gauge that separates strategic asset allocation (beta) from implementation (alpha and cost control).

Technically, this implies three design tweaks that keep the test investable without dulling its edge:

• Horizon matching: use longer lookbacks and vintage‑cohort analysis for private assets to avoid forcing multi‑decade investments through a short, listed proxy lens.
• Transparent risk budgets: allow a measured tracking‑error allowance for defined illiquid sleeves, with enhanced disclosure so members see the trade‑off.
• Service and resilience factors: include net benefit measures beyond returns—fee trends, retirement income adequacy, and operational resilience—so funds don’t “teach to the test”.

Business impact: who wins, who adapts, who exits

For large industry funds with internal capability, a refined test could be a tailwind. They can warehouse illiquids, negotiate fees, and structure co‑investments that harvest private premia while managing tracking error. For platform and legacy providers with fragmented product sets, the direction is clear: simplify, merge into scalable defaults, and invest in risk systems that are “performance‑test aware”. Active managers face a barbell: genuine high‑conviction strategies that justify tracking error will survive; closet‑indexing at active fees will fail both the test and member scrutiny.

Project developers in housing and energy should not read the review as a blank cheque. Super capital will still demand institutional‑grade pipelines: contracted cashflows, robust governance, and sensible fee structures. Where governments want catalytic outcomes, risk‑sharing tools—credit enhancement, planning certainty, or first‑loss tranches—will matter more than rhetoric.

Implementation reality: governance, data and member trust

Boards should treat the review as a live risk. Immediate steps:

• Portfolio engineering: map every product’s tracking‑error budget, stress‑test against plausible benchmark shocks, and identify illiquid sleeves where horizon extensions or benchmark adjustments would materially change pass/fail odds.
• Valuation discipline: tighten private asset valuation frequency and methodologies; improve look‑through data so benchmark mapping reflects actual exposures.
• Product rationalisation: exit marginal, small‑balance options that cannot clear the hurdle in a revised regime; concentrate members in well-governed, scalable strategies.
• Member communication: explain trade‑offs in plain English—why some long‑term assets may lag in a given year yet improve retirement outcomes.

Strategic outlook: a test built for the 2030s

The likely end‑state is not deregulation but smarter regulation: a two‑metric or scorecard model that keeps the bright‑line consequence for chronic underperformance while refining how long‑horizon assets are judged. Expect stronger disclosure on risk and persistence, modest flexibility for productive finance, and tougher expectations on governance and fees. For boards, the opportunity is to codify an investment process that wins under any credible regime: costs under control, true diversification, and a repeatable edge in sourcing and managing complex assets.

If the review hits that balance, Australia can have both: a world‑class member‑first system and a deeper pipeline of investable projects in housing and clean energy. If it doesn’t, capital will keep hugging the benchmark—and the economy will feel the opportunity cost.

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• Yes

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APRA’s latest superannuation performance test results have reignited a high‑stakes debate: does the test optimise member value or unintentionally curb long‑term investment in housing, infrastructure and the energy transition? With the Treasurer ordering a review, the $3.7 trillion super system faces a design choice that will shape capital flows for a decade. The answer will determine not only fees and returns for 16 million Australians but also whether super can play a bigger role in national investment priorities—without diluting fiduciary discipline.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(137) "/retirement/superannuation/super-performance-test-at-a-crossroads-balancing-member-value-productive-investment-and-regulatory-credibility" ["image"]=> string(113) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759867121/pexels-pixabay-358549_j2tefc.jpg" ["image_alt"]=> string(101) "Super performance test faces a fork balancing member value productive investment and regulatory trust" } [5]=> object(stdClass)#8841 (57) { ["id"]=> int(19037) ["title"]=> string(83) "Aware Super unveils innovative digital tool to boost retirees' financial confidence" ["alias"]=> string(82) "aware-super-unveils-innovative-digital-tool-to-boost-retirees-financial-confidence" ["introtext"]=> string(347) "

Aware Super has unveiled a groundbreaking digital advice tool, Retirement Manager, designed to empower retirees by addressing their most pressing financial concerns. Developed in collaboration with tech giant Bravura Solutions, this sophisticated platform aims to provide retirees with control and confidence over their financial futures.

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Retirement Manager is engineered to answer two critical questions for those approaching or already in retirement: "How much can I spend?" and "How long will my money last?" The tool allows users to set up an income stream, select an investment option, and model different income and spending scenarios. A unique feature, the "Income confidence score," provides users with a quantitative measure of how their retirement plan aligns with their financial goals.

Steve Travis, Aware Super's Group Executive Member Growth, emphasised the tool's pioneering nature in the realm of retirement planning and digital advice. "Retirement Manager takes the stress out of retirement planning, giving members the power and the flexibility to create a personalised plan that can be easily adjusted as their needs and circumstances change," Mr Travis stated. He further highlighted the tool's ability to simplify the retirement planning process, noting, "With many people heading into retirement without any plan at all, Retirement Manager dramatically lowers the degree of difficulty involved in getting started and, importantly, is integrated with human help for that additional level of personalised support."

One of the standout features of Retirement Manager is its ability to estimate Age Pension eligibility and incorporate a spouse’s financial details, providing a comprehensive overview of a retiree's financial landscape. The tool also models the impact of significant financial decisions, such as taking an overseas holiday or assisting children with a home deposit, on a retiree's overall financial plan.

Aware Super members can also book an advice appointment directly from within the tool at no extra cost, allowing them to fine-tune their plans and explore options with an Aware Super retirement specialist. This integration of digital and human support underscores Aware Super's commitment to providing holistic and accessible financial advice to its members.

The launch of Retirement Manager builds upon the success of My Retirement Planner, a tool designed for members aged 60 and under. My Retirement Planner has already assisted over 130,000 Aware Super members in the accumulation phase to model their retirement goals and devise suitable savings plans. Mr Travis remarked on the broader impact of these digital solutions, stating, "These digital advice solutions reinforce Aware Super’s position as an industry leader in innovation and the use of technology to enhance member experience and retirement outcomes through scalable solutions."

Currently, Retirement Manager is in its pilot phase, tested by a select group of members. Aware Super plans to make it available to all eligible members aged 60 and over later this year, signalling a significant step forward in the accessibility of retirement planning tools.

The introduction of Retirement Manager comes at a time when many Australians are seeking more personalised and flexible retirement planning solutions. As the financial landscape continues to evolve, tools like Retirement Manager offer a promising way forward, combining advanced technology with personalised advice to meet the diverse needs of retirees.

By leveraging cutting-edge technology and integrating it with expert human advice, Aware Super is setting a new standard in digital financial planning, ensuring that its members are well-equipped to navigate the complexities of retirement with confidence and ease.

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Aware Super has unveiled a groundbreaking digital advice tool, Retirement Manager, designed to empower retirees by addressing their most pressing financial concerns. Developed in collaboration with tech giant Bravura Solutions, this sophisticated platform aims to provide retirees with control and confidence over their financial futures.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9411 (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)#9046 (3) { ["data":protected]=> object(stdClass)#8862 (1) { ["options"]=> object(stdClass)#8864 (2) { ["options0"]=> object(stdClass)#8865 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8863 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9045 (3) { ["data":protected]=> object(stdClass)#8860 (6) { ["hint"]=> string(0) 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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(109) "/retirement/superannuation/aware-super-unveils-innovative-digital-tool-to-boost-retirees-financial-confidence" ["image"]=> string(113) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759442146/pexels-kampus-7477711_v8cwin.jpg" ["image_alt"]=> string(83) "Aware Super unveils innovative digital tool to boost retirees' financial confidence" } }