Super Simple Chats

About Super Simple Chats

Your super doesn’t have to be a ‘future-you’ problem. Dive into the not-so-scary world of super as we get together and chat with some of Rest’s experts. Tune in as they help demystify super and break it down in plain English – all without any boring stuff.

Publisher

Rest Super

Category

business · education

Language

en

Explicit

No

First episode

8 Nov 2024

Latest episode

18 Aug 2026

Latest episodes

11 of 18 episodes have a transcript.

1. 

   18 Aug 2026TRANSCRIPT

   Are you smarter than a scammer?

   Host [Host Name] interviews [Guest Name] about recognizing scammer tactics and discovering advanced security measures to protect your superannuation.

2. 

   26 May 2026TRANSCRIPT

   First job, first super: Helping teens get started

   Host [Host Name] guides teens and parents through navigating their first job and superannuation, offering insights into essential financial steps.

3. 

   4 May 2026TRANSCRIPT

   Market Volatility and your Super

   Michael Clancy, Rest's Chief Investment Officer, and Samantha Baden, Rest's General Manager of Communications, discuss how market volatility impacts super balances and investment decisions in this interview.

4. 

   26 Mar 2026TRANSCRIPT

   The Slow Retirement Movement: Part-time work and super

   Not ready or able to fully retire? You’re not alone. In this episode, we explore Transition to Retirement strategies, how you can access part of your super while still working, maintain your income, and ease into retirement. Whether you’re choosing to slow down or need to keep working longer, this episode shows you the options. Webpage: https://rest.com.au/retirement/options/transition-to-retirement (https://rest.com.au/retirement/options/transition-to-retirement) Quiz: https://rest.com.au/retirement/ready/quiz (https://rest.com.au/retirement/ready/quiz) Calculator: https://rest.com.au/tools-advice/tools/calculators/budget (https://rest.com.au/tools-advice/tools/calculators/budget) Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds (http://rest.com.au/pds). Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

5. 

   18 Mar 2026TRANSCRIPT

   Super tips for busy employers

   Host [Host Name] interviews [Guest Name] on streamlining employer onboarding and avoiding superannuation mistakes for businesses.

6. 

   5 Mar 2026TRANSCRIPT

   How much super should I have for my age?

   This episode of Super Simple Chats with host [Host Name] explores superannuation benchmarks for different ages, offering clarity on retirement savings goals.

7. 

   25 Feb 2026TRANSCRIPT

   Investments 101: What’s your super really doing?

   Your super does more than sit in your account. It’s invested! In today’s episode, we’re giving you a peek behind the curtain with an expert from the Rest investment team. Articles: https://rest.com.au/investments/understanding-investments (https://rest.com.au/investments/understanding-investments) Webpage: https://rest.com.au/investments/options/ (https://rest.com.au/investments/options/) Calculator: https://rest.com.au/investments/options/compare (https://rest.com.au/investments/options/compare) Video: https://www.youtube.com/watch?v=ZWf1N26Jz3M (https://www.youtube.com/watch?v=ZWf1N26Jz3M) App: https://rest.com.au/tools-advice/tools/rest-app (https://rest.com.au/tools-advice/tools/rest-app) Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds (http://rest.com.au/pds) Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution). Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. We will inform you about any additional fees before the advice is given. Refer to the Rest Advice and Retire360 Financial Services Guide for further information. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

8. 

   4 Sept 2025TRANSCRIPT

   Super for business explained

   Running a business without being run off your feet is anything but easy. So, in this episode, we’re here to help make the super part as simple as we can. Whether you’re bringing on your first staff member, or getting ready for Payday Super, this episode is here to help prime you for how super works with business. Web hub: https://rest.com.au/employer/resources/business-help-centre (https://rest.com.au/employer/resources/business-help-centre) Contact us: https://rest.com.au/employer/why-choose-rest/talk-to-us (https://rest.com.au/employer/why-choose-rest/talk-to-us) Webpage: https://www.ato.gov.au/calculators-and-tools/super-guarantee-eligibility (https://www.ato.gov.au/calculators-and-tools/super-guarantee-eligibility) Online course: https://www.ato.gov.au/businesses-and-organisations/super-for-employers/super-guarantee-employer-obligations-online-course (https://www.ato.gov.au/businesses-and-organisations/super-for-employers/super-guarantee-employer-obligations-online-course) Article: https://rest.com.au/super/learn/employment/self-employed-and-sole-traders (https://rest.com.au/super/learn/employment/self-employed-and-sole-traders) Article: https://rest.com.au/tools-advice/learning-centre/super-tips/payday-super (https://rest.com.au/tools-advice/learning-centre/super-tips/payday-super) Disclaimer: Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you and speak with a licensed financial adviser. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds (http://rest.com.au/pds) . Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

9. 

   28 Aug 2025TRANSCRIPT

   The truth about super and love

   Cue up some smooth R&B, grab yourself a glass of red and dim the lights because tonight, we’re talking superannuation and relationships. From date night conversation starters, to the spicier topics like divorce – this episode is going to cover all the details of super and love. Webpage: https://rest.com.au/super/grow-my-super/spouse-contributions (https://rest.com.au/super/grow-my-super/spouse-contributions) Article: https://rest.com.au/super/learn/life-events/divorce (https://rest.com.au/super/learn/life-events/divorce) Podcast: https://rest.com.au/super/learn/podcasts (https://rest.com.au/super/learn/podcasts) Retirement Session: https://rest.com.au/tools-advice/learning-centre/seminars-webinars (https://rest.com.au/tools-advice/learning-centre/seminars-webinars) Disclaimer: Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at http://rest.com.au/pds (http://rest.com.au/pds) Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

10. 

    21 Aug 2025TRANSCRIPT

    Retirement’s dream team: Super and the government age pension

    Worried you won’t have enough super in retirement? Don’t panic! That’s where the government’s age pension may help. In this episode we look at how the government age pension works, how your super affects it, and the kinds of things you need to do to start receiving payments. Show notes Retirement Session: https://rest.com.au/tools-advice/learning-centre/seminars-webinars (https://rest.com.au/tools-advice/learning-centre/seminars-webinars) Calculator: https://rest.com.au/tools-advice/tools/calculators/budget (https://rest.com.au/tools-advice/tools/calculators/budget) Digital advice: https://rest.com.au/tools-advice/advice/retirement-health-check (https://rest.com.au/tools-advice/advice/retirement-health-check) Phone advice: https://rest.com.au/tools-advice/advice/advice-phone-form (https://rest.com.au/tools-advice/advice/advice-phone-form) Webpage: https://rest.com.au/retirement/options (https://rest.com.au/retirement/options) Webpage: https://rest.com.au/retirement/learn/simplifying-age-pension-application (https://rest.com.au/retirement/learn/simplifying-age-pension-application) Article: https://rest.com.au/retirement/learn/super-and-age-pension (https://rest.com.au/retirement/learn/super-and-age-pension) Disclaimer Keep in mind that tax rules can be tricky and are always changing. The information provided here is for general informational purposes and should not be considered as tax advice. For advice that fits your own situation, it's best to chat with a licensed tax professional. Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at https://rest.com.au/tools-advice/resources/pds (https://rest.com.au/tools-advice/resources/pds) Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

11. 

    15 Aug 2025TRANSCRIPT

    Start planning your perfect retirement in three simple steps

    Retirement. It’s all put under this one big label. But scratch the surface and you’ll find there’s a lot more to life’s twilight years than you may realise. Every decade our spending, lifestyles, and needs change. So how do you plan for such a gigantic undertaking? In this episode, we sit down with Rest expert, Pete, and break down the three major stages of retirement – showing you how to prepare for life’s grand finale. Show notes Calculator: https://rest.com.au/tools-advice/tools/calculators/budget (https://rest.com.au/tools-advice/tools/calculators/budget) Article: https://rest.com.au/tools-advice/learning-centre/super-tips/retirement-planning-checklist (https://rest.com.au/tools-advice/learning-centre/super-tips/retirement-planning-checklist) Digital advice: https://rest.com.au/tools-advice/advice/retirement-health-check (https://rest.com.au/tools-advice/advice/retirement-health-check) Phone advice: https://rest.com.au/tools-advice/advice/advice-phone-form (https://rest.com.au/tools-advice/advice/advice-phone-form) Article: https://rest.com.au/super/grow-my-super/downsizer-contributions (https://rest.com.au/super/grow-my-super/downsizer-contributions) Disclaimer Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at https://rest.com.au/tools-advice/resources/pds (https://rest.com.au/tools-advice/resources/pds) Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

12. 

    7 Aug 2025

    Busting super’s many, many myths

    That’s it! We’ve had enough of the fake super news! Today, Ange, Andy and Sam are fact-checking the sceptics and setting things straight. How do you find out how much super you have? And where do your super fees go? Find out in this episode of the podcast. Podcast: Episode 1: Super 101: What is super and how does it work (https://www.youtube.com/watch?v=VRKfxHWbFNY) Article: What is super? How does it work? (https://rest.com.au/super/learn/essentials/what-is-super) Article: Early access to super: Financial Hardship (https://rest.com.au/super/manage-my-super/access/early-release) Download: Get the Rest app to check your balance (https://rest.com.au/tools-advice/tools/rest-app) Webpage: An overview of Rest’s fees (https://rest.com.au/super/understanding-fees) Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds (http://rest.com.au/pds) See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

13. 

    30 Jul 2025

    Beneficiaries: Who gets your super when you die?

    Ange and Andy sit down with Sam from Rest to break down what happens to super after you pass away. Learn what a beneficiary is, the different types of nominations you can make, and how you might give the right people the best possible chance of claiming your super when you go. Nominating a beneficiary with Rest: https://rest.com.au/super/manage-my-super/nominating-a-beneficiary (https://rest.com.au/super/manage-my-super/nominating-a-beneficiary) What happens to super when you die: https://rest.com.au/super/learn/life-events/super-when-you-die (https://rest.com.au/super/learn/life-events/super-when-you-die) Make your binding death benefit nomination: https://rest.com.au/rest_web/media/documents/tools-advice/resources/forms/nom-of-beneficiaries-super-webs.pdf (https://rest.com.au/rest_web/media/documents/tools-advice/resources/forms/nom-of-beneficiaries-super-webs.pdf) Disclaimer: Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS, FSG and TMD at rest.com.au/pds (http://rest.com.au/pds). Rest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Retire360. Rest Digital Advice is provided by Retire360. Rest Advice may be accessed by members without incurring additional fees for simple phone-based advice. An advice fee may be payable for complex advice and you should read the Rest Advice Financial Services Guide, which you can obtain by calling us on 1300 300 778, before accessing these services. See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

14. 

    10 Dec 2024

    Super and having a baby

    Sarah O'Brien joins Ange and Alex to discuss how having a baby impacts your super and provides practical strategies to bridge the gender super gap.

15. 

    3 Dec 2024

    Insurance through super

    Bart Healy from Rest explains how having insurance through super can be a secret weapon for protecting your financial future and securing your loved ones.

16. 

    26 Nov 2024

    What’s your super love language?

    Ange and Alex chat with Matt Balderson from Rest about the five love languages of superannuation, empowering listeners to romance their super with informed personal contributions.

17. 

    19 Nov 2024

    The myth of $1m in super

    Ever wondered where the myth of needing $1 million in super comes from? Join Alex and Ange as they talk to Sarah O’Brien and Matt Balderson from Rest to look at how much everyday Aussies might need to retire. Learn more about: ASFA Retirement Standard (https://www.superannuation.asn.au/resources/retirement-standard/) | How much super should I have? (https://rest.com.au/tools-advice/learning-centre/super-tips/how-much-super-should-i-have) | Rest Advice (https://rest.com.au/tools-advice/advice/) | Retirement Budget Calculator (https://rest.com.au/tools-advice/tools/calculators/budget) --- Download the  Rest App (https://rest.com.au/tools-advice/tools/rest-app) Disclaimer: Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds (http://rest.com.au/pds). The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us (http://rest.com.au/contact-us) See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

18. 

    8 Nov 2024

    Super 101: What is super and how does it work?

    Ange and Alex sit down with Matt Balderson from Rest to break down what super is and why young people should care about it. Learn all about how you get paid super, the magic of compound interest, and why starting early might lead to a bigger retirement nest egg - even if it seems like light years away. --- Links Super guarantee rate (https://rest.com.au/tools-advice/learning-centre/super-tips/what-is-the-super-guarantee) YourSuper comparison tool (https://www.ato.gov.au/calculators-and-tools/super-yoursuper-comparison-tool) Super stapling (https://www.ato.gov.au/businesses-and-organisations/super-for-employers/stapled-super-funds) Consolidating your super (https://rest.com.au/super/manage-my-super/find-and-combine-your-super) Download the Rest App (https://rest.com.au/tools-advice/tools/rest-app) --- Disclaimer Before combining your super, consider which fund is right for you. Check out the fees and costs of your funds plus any benefits that would be lost, such as insurance cover. Make sure your other fund(s) knows about any contributions you intend to claim a tax deduction for, before combining your super. If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website for more information. Product issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). Any advice is general and does not take account of your own objectives, financial situation or needs. Before acting on any advice, consider if it’s appropriate for you. Before deciding whether to acquire or continue to hold this product, consider the PDS and TMD at rest.com.au/pds (http://rest.com.au/pds). The cost of providing financial services is included in the fees as disclosed in the relevant PDS. Rest and the Fund do not charge additional fees or pay or obtain commissions for advice provided. Rest employees are paid a salary and do not receive commissions or fees for the advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited, a wholly owned company of Rest, manages some of the Fund’s investments. Rest has no other relationships or associations with any related body corporate or product issuer that might reasonably be expected to influence Rest in providing financial services. For more information, contact us at rest.com.au/contact-us. (http://rest.com.au/contact-us) See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

Inside a recent episode

Are you smarter than a scammer?

Published 18 Aug 2026 · Transcript excerpt

[…] So people often ask me, how secure are my passwords? Honestly, the answer is not as secure as they could be. So especially in today's world with automated tools, it can be very easy to quickly guess weak passwords. Yeah. So having that same password since you're 11 years old is not a good idea. […]

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12 ratings

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