Superannuation

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In a significant development for Rest, one of Australia’s largest profit-to-member superannuation funds, the organisation has announced the successful completion of its first private equity co-investment exit. This milestone marks a pivotal moment in the evolution of Rest’s private equity program, showcasing its strategic investment capabilities and commitment to delivering value to its members.

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Rest had initially invested US$50 million in 2023, partnering with Motive Partners, a renowned private investment manager, to co-invest in With Intelligence. This London-based firm specialises in data and analytics for both private and public markets, serving the global investment industry. The strategic investment has now culminated in a successful exit, following the acquisition of With Intelligence by S&P Global. This exit has resulted in a significant return on Rest’s initial investment, benefiting the fund’s more than 2 million members.

Marina Pasika, Rest’s Interim Head of Private Markets, highlighted the importance of this achievement. “By leveraging our close relationships with leading private equity managers, such as Motive Partners, Rest is able to deploy capital into select opportunities that aim to deliver strong long-term returns while keeping costs low for members,” she said. This strategic approach underscores Rest’s commitment to providing its members with access to high-value investment opportunities.

Pasika elaborated on the transformation facilitated by the investment. “Our investment alongside Motive Partners supported With Intelligence in transforming from an information services provider into a scaled analytics platform at the forefront of the industry,” she explained. This transformation not only enhanced With Intelligence’s market position but also contributed to the substantial returns realised through the exit.

The acquisition of With Intelligence by S&P Global, a leading provider of financial information and analytics, was agreed upon in October 2025 and completed in November 2025. This acquisition underscores the value and potential of With Intelligence in the global asset management industry, which serves around 3,000 global clients. The firm’s growth and success were significantly bolstered by the strategic investment and support from Rest and Motive Partners.

Pasika emphasised the broader implications of this successful exit for Rest’s investment strategy. “This is a key moment for our private equity co-investment program, which is designed to leverage fee-efficient access to high-quality investment opportunities that contribute to stronger retirement outcomes for our members,” she stated. The successful exit not only validates Rest’s investment strategy but also opens up new opportunities for future investments.

“Thanks to the strong return on this investment, we have the opportunity to redeploy this capital and generate further long-term value,” Pasika added. This reinvestment potential aligns with Rest’s overarching goal of enhancing retirement outcomes for its members through strategic and high-value investments.

Motive Partners, known for its focus on financial technology and technology-enabled business services, played a crucial role in the success of this investment. The partnership with Rest exemplifies how collaboration between leading investment managers can yield substantial benefits for investors and stakeholders alike. The sale of With Intelligence to S&P Global not only highlights the firm’s success but also reflects the strategic acumen of both Rest and Motive Partners.

The successful exit of this co-investment marks a significant achievement for Rest, reinforcing its position as a forward-thinking superannuation fund committed to delivering value and strong returns for its members. As Rest continues to evolve its private equity program, the fund remains focused on identifying and capitalising on high-quality investment opportunities that align with its long-term goals.

Rest’s first private equity co-investment exit is a testament to the fund’s strategic capabilities and commitment to its members. By leveraging partnerships with leading investment managers and focusing on high-value opportunities, Rest continues to enhance its investment portfolio and deliver strong returns for its members’ retirement futures.

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In a significant development for Rest, one of Australia’s largest profit-to-member superannuation funds, the organisation has announced the successful completion of its first private equity co-investment exit. This milestone marks a pivotal moment in the evolution of Rest’s private equity program, showcasing its strategic investment capabilities and commitment to delivering value to its members.

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In a push to address the gender disparity in superannuation savings, Rest, one of Australia's largest profit-to-member superannuation funds, has called for a significant policy change that would allow all workers under the age of 18 to earn superannuation. New modelling from the Super Members Council of Australia suggests that this change could play a crucial role in closing the gender super gap from the outset of young Australians' working lives.

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Currently, the superannuation landscape for under-18 workers is marked by a notable loophole. These young workers are only eligible for compulsory Superannuation Guarantee payments if they work more than 30 hours per week for a single employer, although some employers do choose to make these payments voluntarily. Rest argues that this requirement disproportionately affects female workers, who are less likely to meet the 30-hour threshold.

According to the new modelling, a typical female teenage worker could see her super balance increase by $2,500 by the time she turns 18 if she receives super contributions for at least two years. This amount is projected to grow to $11,000, in today's dollars, by the time she reaches retirement age. In comparison, a typical male teenage worker could accumulate $2,000 more by age 18 and $9,000 more by retirement under the same conditions.

Simone Van Veen, Rest's Chief Member Officer, emphasised the importance of making super universal for all under-18 workers. “By changing this unfair law, not only can we help countless young Australians have a fairer start with their super, we can also help close the gender super gap,” she stated. Van Veen highlighted the current disparity, noting, “Women under the age of 18 are less likely to work more than 30 hours than men. We also know female Rest members of this age typically have smaller monthly contributions than under 18 male members.”

The gender super gap is a persistent issue, with female Rest members nearing retirement in their 60s facing a gap of approximately 27% compared to their male counterparts. Van Veen believes that addressing the issue from the beginning of a worker's career is crucial. “Changing this law would mean we are taking another step to close this gender super gap for young women from day one of their working life,” she said.

The call for change is supported by a significant portion of Rest's membership base, which includes over 1 million young members under the age of 30, many of whom work in part-time and casual roles. “Every worker under the age of 18 deserves to earn super and receive the benefit of compounding returns no matter how many hours they work,” Van Veen argued. She cited research commissioned by Rest earlier this year, revealing that nearly all Rest members believe it is important for superannuation to apply to all working Australians, regardless of income or hours worked.

The sentiment is echoed by the broader membership, with a survey conducted by the Redbridge Group in early 2025 showing that 98% of Rest members feel superannuation should apply to all working Australians. A strong 71% support making super payable to all workers under the age of 18, regardless of their working hours, with female support slightly higher at 73%.

Van Veen urged the government to consider this change seriously, advocating for a thorough consultation process and a multi-year staged approach to implementation. “We urge the Government to commit to this change and include a thorough consultation process and multi-year staged approach to implementation to ensure the impact to employers is properly considered,” she said.

As the conversation around superannuation reform continues, Rest's proposal highlights the potential for policy changes to address systemic inequalities and improve retirement outcomes for future generations.

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In a push to address the gender disparity in superannuation savings, Rest, one of Australia's largest profit-to-member superannuation funds, has called for a significant policy change that would allow all workers under the age of 18 to earn superannuation. New modelling from the Super Members Council of Australia suggests that this change could play a crucial role in closing the gender super gap from the outset of young Australians' working lives.

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In a significant leap forward for Australia's payroll and superannuation systems, Employment Hero, in collaboration with Zepto and OZEDI, has successfully processed the country's first payroll-embedded super-clearing payment. This advancement comes just a month after the finalisation of the Payday Super laws, which mandate employers to pay superannuation contributions concurrently with wages starting 1 July 2026. The milestone, achieved through the New Payments Platform (NPP) and powered by HeroClear, represents a pivotal moment for businesses bracing for the impending regulatory changes.

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The introduction of HeroClear marks a transformative shift in how superannuation payments are handled. By embedding the super-clearing and validation process within payroll systems, HeroClear offers instantaneous confirmations, reduces errors, and provides a comprehensive audit trail. This innovation eliminates the need for traditional clearing houses, which often require cumbersome file uploads, portal navigation, and manual reconciliations. 

Rob Dunn, General Manager of Benefits and Superannuation at Employment Hero, hailed the development as a turning point for payroll and superannuation in the country. "We’re incredibly proud to deliver this Australian first and show what modern, embedded super infrastructure makes possible. Fully embedding clearing into payroll is one of the most effective ways to reduce the time and cost of managing super payments. It’s a clear signal we’re supporting employers through one of the most significant payroll changes in decades," he stated.

The successful implementation of HeroClear is a testament to the collaborative efforts between Employment Hero, Zepto, and OZEDI. Chris Jewell, President and Co-Founder of Zepto, emphasised the significance of this achievement. "Seeing Employment Hero process its first PayTo and super contributions through HeroClear just weeks after the legislation came into effect is a remarkable milestone. The speed and reliability delivered over the NPP show the power of real-time infrastructure, and Zepto’s API-led platform builds on that foundation with fast integration, instant settlement and full transparency," Jewell commented.

The benefits of HeroClear are already being realised by businesses participating in the beta phase. Deborah Kerr, a beta customer from Chesterton Customseal, shared her experience with the new system. "HeroClear picked up a critical fund error that our existing system missed. If it hadn’t flagged it, our super payment would have failed, but instead we fixed it instantly and everything went through smoothly. It was fast, simple and gave us confidence straight away," Kerr explained.

David Field, Director of OZEDI, also expressed his enthusiasm for the new system, highlighting the importance of real-time payments. "It’s been incredible to be part of such a collaborative and fast delivery and to see the majority of payments to superannuation funds made with Zepto over the New Payments Platform (NPP). Employers really value the instant, date-and time-stamped receipt generated by the receiving bank account," Field noted.

The implementation of HeroClear is set to deliver substantial benefits at scale. Employment Hero's payroll system processes approximately A$120 billion in wages and superannuation contributions annually for over 350,000 businesses. The integration of HeroClear within this framework promises to streamline operations and enhance compliance with the upcoming regulatory requirements.

As the 1 July 2026 deadline approaches, Employment Hero is committed to ensuring that all its Employment OS and Payroll customers are well-prepared for the changes. Rob Dunn reiterated the company's dedication to this goal, stating, "We’re already deep in the next phase of development to ensure HeroClear is ready for all Employment Hero Employment OS and Payroll customers well ahead of 1 July 2026. We look forward to sharing more with customers and the broader industry."

With the successful rollout of HeroClear, Employment Hero has set a new standard for payroll and superannuation systems in Australia. The seamless integration of super-clearing payments within payroll workflows not only simplifies processes for businesses but also provides a robust framework for compliance with the forthcoming Payday Super regulations. Employers interested in learning more about this innovative solution can sign up for updates at Employment Hero's website.

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• Yes

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In a significant leap forward for Australia's payroll and superannuation systems, Employment Hero, in collaboration with Zepto and OZEDI, has successfully processed the country's first payroll-embedded super-clearing payment. This advancement comes just a month after the finalisation of the Payday Super laws, which mandate employers to pay superannuation contributions concurrently with wages starting 1 July 2026. The milestone, achieved through the New Payments Platform (NPP) and powered by HeroClear, represents a pivotal moment for businesses bracing for the impending regulatory changes.

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In a significant move aimed at enhancing compliance with upcoming superannuation regulations, Rest, one of Australia’s largest profit-to-member superannuation funds, has unveiled an innovative clearing house solution known as Rest Pay. This new platform is designed to assist businesses in meeting the forthcoming Payday Super obligations, ultimately supporting improved financial outcomes for its more than two million members.

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The Rest Pay solution is specifically tailored for the upcoming Payday Super requirements, which will mandate that employers pay their employees' superannuation contributions concurrently with their wages for each pay cycle. This change is set to take effect from 1 July 2026, as part of reforms announced in the Federal Budget in May 2023 and passed by Federal Parliament in November 2025.

Simone Van Veen, Rest’s Chief Member Officer, emphasised the transformative potential of the new platform. "Rest Pay aims to take the hassle out of making super payments. It’s easy to use, built with market-leading security, and helps employers meet upcoming Payday Super requirements without extra stress," she explained. Van Veen highlighted that the platform is designed to ensure that businesses can pay super accurately and on time, thus maintaining compliance while providing members with confidence that their super contributions will reach their accounts as scheduled.

The introduction of Rest Pay is expected to facilitate faster growth of super balances for members by unlocking the power of compounding returns through more frequent contributions. "It supports businesses to pay super accurately and on time so they stay compliant, while giving members confidence that their super is on track to reach their account when it should," Van Veen added.

Rest Pay's features are tailored to simplify superannuation contributions for employers of all sizes. The platform reduces errors, streamlines refund processing, and offers automated reminders alongside round-the-clock support to help employers stay on track. Moreover, planned payroll integration is set to further enhance efficiency. "Rest Pay is a key part of Rest’s commitment to simplifying super administration for business, while supporting retirement outcomes for our members," Van Veen noted.

The rollout of Rest Pay is currently underway, targeting employers who already use Rest’s administrator’s existing clearing house. The service is available at no cost for Rest default employers. By early next year, Rest plans to extend access to more than 300,000 other employers who pay super to a Rest member, with new employers being able to register their interest via the Rest website.

The development of Rest Pay was a collaborative effort over the past 18 months, involving Rest’s administrator MUFG Retirement Solutions and tech company Wrkr. The platform was shaped by direct feedback from employers, ensuring that its features meet the practical needs of businesses. A successful pilot program demonstrated that employers valued the platform’s intuitive interface and usability, reinforcing Rest's decision to proceed with the broader rollout.

The upcoming Payday Super requirements represent a significant shift in how superannuation contributions are managed in Australia. Currently, employers are required to pay Superannuation Guarantee contributions quarterly. The new regulations will necessitate more frequent payments, aligning super contributions with the regular pay cycle of employees. This change aims to improve the financial security of employees by ensuring more timely contributions to their superannuation funds.

As the implementation date for the new requirements approaches, Rest Pay is poised to play a crucial role in helping businesses navigate the transition. By offering a streamlined and secure solution, Rest is not only aiding compliance but also enhancing the retirement prospects of its members through more effective superannuation management.

For employers and members alike, Rest Pay represents a significant advancement in the administration of superannuation, reflecting Rest's ongoing commitment to innovation and member-focused solutions.

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• Yes

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In a significant move aimed at enhancing compliance with upcoming superannuation regulations, Rest, one of Australia’s largest profit-to-member superannuation funds, has unveiled an innovative clearing house solution known as Rest Pay. This new platform is designed to assist businesses in meeting the forthcoming Payday Super obligations, ultimately supporting improved financial outcomes for its more than two million members.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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"" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#10725 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#10344 (3) { ["data":protected]=> object(stdClass)#10342 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10343 (3) { ["data":protected]=> object(stdClass)#10371 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" 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object(stdClass)#10380 (1) { ["options"]=> object(stdClass)#10378 (2) { ["options0"]=> object(stdClass)#10377 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#10379 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#10374 (3) { ["data":protected]=> object(stdClass)#10382 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) 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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#10733 (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)#10383 (3) { ["data":protected]=> object(stdClass)#10388 (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)#10385 (3) { ["data":protected]=> object(stdClass)#10390 (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(102) "/retirement/superannuation/small-businesses-brace-for-cash-flow-challenges-as-payday-super-becomes-law" ["image"]=> string(122) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1763576980/pexels-thatguycraig000-1724199_hfzt0y.jpg" ["image_alt"]=> string(75) "Small businesses brace for cash flow challenges as Payday Super becomes law" } }