Super Informed Radio

With high inflation, rising interest rates, and an election just a few weeks away, what will our investment team be looking out for over the coming month? UniSuper’s lead economist, investment manager David Colosimo, looks back at what happened in markets during April, and what’s on the cards for May. SHOW NOTES Your hosts are Lyndon Horsburgh and David Colosimo. Produced by Lyndon Horsburgh. Transcript available soon at unisuper.com.au/podcasts. For more info on how we’re managing the current market environment, watch our Chief Investment Officer John Pearce’s latest video at unisuper.com.au/news-and-insights/investment-update-with-john-pearce-april-2022. For more info about investments at UniSuper, visit unisuper.com.au/investments. Have some feedback? Email us at superinformed@unisuper.com.au. You can also join the conversation on Twitter: twitter.com/unisupernews. Please note that past performance isn’t an indicator of future performance. The information discussed in this podcast is of a general nature

We’re committed to achieving net-zero emissions by 2050, so we’re putting some of our biggest investments under the microscope to find out what decarbonisation means for them. As one of the world's largest mining companies, BHP produces much of the iron ore, copper and nickel we’ll need as we decarbonise. What targets has BHP set itself to achieve net zero 2050? What progress is it making, and how is it going to get there? We speak with Fiona Wild, BHP’s Vice President of Sustainability and Climate Change, to get the lowdown. SHOW NOTES Your hosts are Lyndon Horsburgh and Tania Meade. Produced by Lyndon Horsburgh. Transcript available at unisuper.com.au/podcasts. Huge thanks to our guests, Fiona Wild (Vice President of Sustainability and Climate Change at BHP) and Paul Phillips (Investment Manager, Equities at UniSuper). Special thanks also to Sybil Dixon (Governance & Sustainability Manager at UniSuper). If you’re interested in following BHP’s decarbonisation journey, here are the resources Paul mentio

What would happen to your super if you died tomorrow? And who can you give it to? A sibling? A parent? A pet? This episode, no question is off limits for Charles Azzopardi from UniSuper Advice as we haul this often avoided topic out of the too-hard basket. SHOW NOTES Your hosts are Lyndon Horsburgh and Tania Meade. Produced by Lyndon Horsburgh. A big thanks to our special guest Charles Azzopardi, Private Client Adviser with UniSuper Advice. Log in to your online account at unisuper.com.au/login to check and manage your beneficiaries. To make or update a ‘binding’ nomination, download the ‘Binding death benefit nomination form’ from unisuper.com.au/forms. Read more about nominating beneficiaries at unisuper.com.au/your-super/nominate-a-beneficiary. Catch up on past episodes at unisuper.com.au/podcasts. Have some feedback or a topic you’d like us to explore in future episodes? Email us as at superinformed@unisuper.com.au. You can also join the conversation on Twitter @UniSuperNews or call us on 1

Could the money you’re putting aside for retirement be exposed to modern slavery? And what are we doing to reduce the risk that companies we invest in are involved in it? We speak with Lou Capparelli and Sybil Dixon from our in-house investments team to find out. SHOW NOTES Your hosts are Lyndon Horsburgh and Tania Meade. Produced by Lyndon Horsburgh. A big thanks to our guests, Lou Capparelli and Sybil Dixon. Lou is UniSuper’s Manager of Sustainable Portfolios and Governance. Sybil is a Senior Investment Analyst. A transcript of this podcast is available at unisuper.com.au/learning-centre/podcasts/transcript-super-informed-radio-episode-25. For more information about forced labour within global supply chains, visit KnowTheChain (https://knowthechain.org/). Stop Slavery Award (www.stopslaveryaward.com), the Minderoo Foundation (https://www.minderoo.com.au/walk-free/) and the Business and Human Rights Resource Centre (www.business-humanrights.org/) provide great info about how modern slavery is being

This International Women’s Day, we’re joined by Julie Watkins, UniSuper’s Executive Manager of People. We chat about ‘work spouses’ and how they can make our work lives more meaningful, Julie shares some of her top career tips, and we ask the question—what’s UniSuper’s position on gender quotas? Your hosts are Marta Zyznowska and Lyndon Horsburgh. A very special thanks to our guest, Julie Watkins. Check out our International Women’s Day stories and resources at unisuper.com.au/women. Read more about the TotalJobs UK research into work spouses: http://bit.ly/WorkSpouses Catch up on past episodes at unisuper.com.au/podcasts. Got any thoughts or suggestions? Write to us at superinformed@unisuper.com.au, join the conversation on Twitter @UniSuperNews or give us a call on 1800 331 685.

Australians are using digital buy now, pay later services more than ever. But with no way of checking consumers can actually afford their purchases, is “lay-by 2.0” a good thing? Join us as we unpack these schemes’ perks and pitfalls with UniSuper Private Client Adviser, Charles Azzopardi. Your hosts are Marta Zyznowska and Lyndon Horsburgh. Thanks to this month’s guest, Charles Azzopardi. Find our own budgeting tool at www.unisuper.com.au/budget-planner Check out ASIC’s MoneySmart resources at www.moneysmart.gov.au/managing-your-money/budgeting Read the Mozo article Charles mentioned here: bit.ly/2HLwwFd Catch up on past episodes at unisuper.com.au/podcasts. Have some feedback or a topic you'd like us to explore in a future episode? Write to us at superinformed@unisuper.com.au. You can also join the conversation on Twitter @UniSuperNews or give us a call on 1800 331 685.

Don’t think you need insurance? We tell the story of a member who wasn’t aware she had it—and then life dealt her an unexpected blow. Your hosts are Marta Zyznowska and Lyndon Horsburgh. Many thanks to our special guest, Natalie Agnoletto—Occupational Rehabilitation and Return to Work Specialist at UniSuper. There are different types of insurance cover and benefits available through UniSuper membership, not just the ones discussed in this podcast. Learn more at www.unisuper.com.au/insurance. If you’re a member of our Defined Benefit Division, you should also check out https://www.unisuper.com.au/your-super/introduction-to-unisuper/inbuilt-benefits Catch up on past episodes at www.unisuper.com.au/podcasts. Have some feedback or a topic you'd like us to explore in future episodes? Write to us at superinformed@unisuper.com.au. You can also join the conversation on Twitter @UniSuperNews or give us a call on 1800 331 685.

This month, we look at the ‘G’ in ESG—otherwise known as governance—and how we factor it in when making investment decisions. We speak with two of our investments specialists—Talieh Williams and Sybil Dixon—as we deep-dive into the rigorous screening process they do when deciding what to invest in. From board and executive remuneration through to company performance, companies we look to in invest in are scrutinised to ensure they’re advancing good governance practices. SHOW NOTES Your hosts are Rob Demasi, Lyndon Horsburgh and Marta Zyznowska. Huge thanks to special guests Talieh Williams (Manager, Governance and Sustainable Investment) and Sybil Dixon (Senior Investment Analyst). Read more about our approach to responsible investing at www.unisuper.com.au/responsible. Catch up on past episodes of the pod at www.unisuper.com.au/podcasts. Have a question or topic you'd like us to explore in future episodes? Write to us at superinformed@unisuper.com.au. You can also join the conversation on Twitter @Un

Where would you go for information around how to invest your super? Well, according to some research we came across, it’s the people you work with that heavily influence your superannuation investment decisions. To unpack this in more detail, we chat with Dr Carly Moulang from Monash University and Prof. Paul Gerrans from the University of Western Australia. SHOW NOTES Your hosts are Rob Demasi, Lyndon Horsburgh and Marta Zyznowska. With thanks to special guests Dr Carly Moulang and Prof. Paul Gerrans. Read more about their research at: http://bit.ly/2LvqKET Catch up on past episodes of the pod at: www.unisuper.com.au/podcasts Got a question or topic you'd like us to explore in future episodes? Write to us at superinformed@unisuper.com.au. You can also join the conversation on Twitter @UniSuperNews or give us a call on 1800 331 685.

What do Carrott, Acorns, SocietyOne and Ripple all have in common? They’re not just random words thrown together—they’re services changing the way we spend, save and grow our money. But what exactly are they? How do they work, and are there any risks in using them? To find out, we spoke with two of our experts about this new wave of finance disruptors. They tell us what it could mean for you—and the finance industry more generally—plus what you should know before diving in. SHOW NOTES Your hosts are Rob Demasi, Lyndon Horsburgh and Marta Zyznowska. With thanks to special guests Dan Nguyen, UniSuper’s Head of Digital Strategy, and Marlene Sadhai, UniSuper’s Financial Crime Response Manager. Find out more about protecting your UniSuper account at www.unisuper.com.au/protect-your-account Quick note: we’re not promoting or endorsing any of the apps or companies mentioned in this podcast—they’re simply a few examples of what’s happening in this space. Have a question or topic you'd like us to explore in

How many people know the nitty gritty of your finances? Our guess is not that many, right? Not surprising, since talking about money can be considered impolite, garish or simply ‘not the done thing’. According to US research by the app Acorns, 68% of people would rather talk about their weight than their money. Why is that? And what can we do about it? We spoke with Claire Tacon, a financial counsellor with the National Debt Helpline, on the changes to societal attitudes about money and what makes people talk—or keep quiet—about it. SHOW NOTES Your hosts are Rob Demasi, Lyndon Horsburgh and Marta Zyznowska. With thanks to our special guest Claire Tacon. Find out more about the National Debt Helpline: http://www.ndh.org.au/ In case you’re interested, here’s the ‘money or weight’ article we talked about: https://moneyish.com/ish/why-68-of-people-would-rather-talk-about-their-weight-than-money/ The book Rob mentioned is called Etiquette: In Society, in Business, in Politics and at Home, and is by Emily

Marta was riled recently by research suggesting young women are confident with short-term budgeting, but struggle with longer-term finances. So we called two UniSuper members who conducted the research—Professor James Arvanitakis and research assistant Lauren Stanley from the University of Western Sydney—to dig deeper into their findings. Show notes Your hosts are Rob Demasi, Lyndon Horsburgh and Marta Zyznowska. Here’s a link to the research we discussed: http://bit.ly/2A359BJ Our MoneySavvy and Money Confident Kids programs are available at www.unisuper.com.au/memberonline. Have a question or topic you'd like us to explore in future episodes? Write to us at superinformed@unisuper.com.au. You can also follow us on Twitter @UniSuperNews or call us on 1800 331 685.

Elder abuse. It mightn’t be the easiest of topics, but we’re starting to hear more about it. To help us understand what it is, why it occurs and some tips to safeguard yourself against it, this month we speak to Briony Dow—Associate Professor of Ageing at the University of Melbourne and Director of the National Ageing Research Institute (NARI). SHOW NOTES Your hosts are Rob Demasi, Lyndon Horsburgh and Marta Zyznowska. Have a question you'd like us to explore in the next episode? Write to us at superinformed@unisuper.com.au. You can also follow us on Twitter @UniSuperNews or call us on 1800 331 685. Australia-wide elder abuse helplines NSW Elder Abuse Helpline 1800 628 221 QLD Elder Abuse Prevention Unit 1300 651 192 WA Advocare Inc. 1300 724 679 (Perth) 1800 655 566 (rural) VIC Seniors Rights Victoria 1300 368 821 ACT Older Persons Abuse Prevention Referral and Information Line (APRIL) 02 6205 3535 TAS Tasmanian Elder Abuse Helpline 1800 441 169 SA Aged Rights Advocacy Service Alliance for the Pre

It’s time to face the spending music. This month, we rope in UniSuper Advice's Alexia Jackson to see how Marta and James went with their spending and saving challenge. Things get real—who became more mindful about money? Who saved or spent more? We also talk retirement adequacy—aka, how much you think you’ll need in retirement—and give you some things to consider when planning for the financial future you want. Have a question you'd like us to explore in the next ep? Write to us at superinformed@unisuper.com.au. You can also follow us on Twitter @UniSuperNews or call us on 1800 331 685.

Do you consider yourself a spender or a saver? Ever felt guilty after walking out of a shop, or is retail therapy even a ‘thing’ for you? This month, we speak to Dr Shumi Akhtar from the University of Sydney on why it’s okay to indulge in some spending every now and then. We also answer some of your questions about recent changes to super and proposals in the May 2017 Budget. And finally, in the spirit of the new financial year, we’re setting ourselves a challenge.

This month we talk to UniSuper member Gregory Mowle from the University on Canberra on how financial stress impacts how we budget and the role of financial literacy plays in decision making.

Can science help explain how we make financial decisions? UniSuper member and decision science researcher from the University of Melbourne Prof. Peter Bossaerts thinks so, and backs it up in this month's episode of 'Super Informed Radio'. We also chat to Trevor Schmid from UniSuper Advice on our 'Select advice' service, and how it'll soon be expanding into non-super wealth territory.

So you might have this idea of what retirement will look like in your head, but for many people what actually happens after retiring is totally different. This month we take it to the streets and see what people really think about their super. We then chat to UniSuper Assistant Product Manager Julia Maciver about what people can do to help make sure their retirement expectations become reality.

In our debut podcast, we talk to our CEO Kevin O'Sullivan about his passion for super, a day in his life, and how he got to Australia from the far distant lands of Canada. We also chat to Angela Riga from our contact centre on some of the topics members are calling us about and a few new online tools we've launched recently to help you understand your super. Visit us at www.unisuper.com.au