Superannuation is a reflection of yourself – an ever-changing entity. So as your family expands, homes are purchased, or deaths occur, your super and retirement plan should be adjusted accordingly. Regular check-ups are recommended, but with whom and how?

Well, in this final episode of the podcast, Andrew Mackinnon is talking to Thomas Bukolt, a Cbus Superannuation Advice Consultant, he knows super back to front and the importance of retirement check-ins, nominating beneficiaries and ensuring your insurances cover what you need.

So, get ready for your retirement checkup, because it's time to shift the way you think about your super.

RESOURCES

• Retirement planning: https://cbussuper.info/retirementplanner

• Attend an education session: https://cbussuper.info/attendseminar

• Calculators: https://cbussuper.info/RetirementCalculators

• Insurance options through super: https://www.cbussuper.com.au/super/my-insurance-options

• For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/investmentbasics

• Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/

• Additional superannuation resources: https://moneysmart.gov.au

DISCLAIMER

The information on this podcast is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

Estate planning is something many people put off, but getting it right can make a world of difference for the people you care about most. From wills to beneficiaries, this episode explains the simple steps you can take now to bring clarity, confidence and peace of mind.

CBUS is also planning on simplifying the processes around binding beneficiary nominations and death claim payments.

Join host Andrew Mackinnon with CBUS Coordinator Tim Jovic and Senior Manager of Advice Operations Ashleigh Cattanach as they clear up common misunderstandings and show how small updates today can save your loved ones stress later.

Because it's time to shift the way you think about your Super.

RESOURCES

• Retirement planning: https://cbussuper.info/retirementplanner

• Attend an education session: https://cbussuper.info/attendseminar

• Calculators: https://cbussuper.info/RetirementCalculators

• For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/investmentbasics

• Retirement standards are based on ASFA research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/

• Additional superannuation resources: https://moneysmart.gov.au

DISCLAIMER

The information on this podcast is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

Thinking about working after retirement? Whether it’s for extra income, staying active or keeping a sense of purpose, many Australians continue to earn after they stop full-time work. But how does that affect your Age Pension, and how much can you actually earn without reducing it?

Host Andrew Mackinnon is joined by CBUS Coordinator Tim Jovic and CBUS Adviser Simone Toto, to unpack the Work Bonus and the strategies that can help maximise your entitlements. They also explain where to get help and how staying informed can make a real difference to your retirement income.

Because it's time to shift the way you think about your Super.

RESOURCES

• Retirement planning: https://cbussuper.info/retirementplanner

• Attend an education session: https://cbussuper.info/attendseminar

• Calculators: https://cbussuper.info/RetirementCalculators

• For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/investmentbasics

• Age Pension tests: https://www.cbussuper.com.au/retirement/age-pension#tests

• Retirement standards are based on ASFA research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/

• Additional superannuation resources: https://moneysmart.gov.au

DISCLAIMER

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

Standing on the edge of retirement can feel overwhelming. After decades of routine, work and wages, suddenly everything is about to change. So how do you prepare financially, mentally and emotionally, for the next phase of life?

Join host Andrew Mackinnon as he speaks with CBUS Coordinator Tracie Wilson and CBUS Retirement Advice Consultant Dianne Abbley. Together, they explore how to avoid “retirement shock”, how to think about income in retirement, and why purpose and staying curious matter just as much as money.

Because it's time to shift the way you think about your Super.

RESOURCES

• Retirement planning: https://cbussuper.info/retirementplanner
• Attend an education session: https://cbussuper.info/attendseminar
• Calculators: https://cbussuper.info/calculator
• For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/investmentbasics
• Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/
• Retirement standards are based on ASFA research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/
• Additional superannuation resources: https://moneysmart.gov.au

DISCLAIMER

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

For many Australians with superannuation accounts, the Age Pension can be the difference between retiring with strain or retiring with confidence. Yet countless people miss out simply because they don’t understand how the system works. A few key rules can change your entire retirement outlook.

In this episode, host Andrew Mackinnon is joined by Cbus Senior Education Specialist Jeff Wallens and Cbus Coordinator Tracie Wilson to cut through the confusion. They unpack eligibility, the income and assets tests and why the timing of your application can significantly affect what you receive.

Because it’s time to shift the way you think about your Super.

RESOURCES

• • Retirement planning: https://cbussuper.info/retirementplanner
  • Attend an education session: https://cbussuper.info/attendseminar
  • Calculators: https://cbussuper.info/RetirementCalculators
  • For more on compound investment returns (aka compound interest): https://cbussuper.info/invevstmentbasics
  • The retirement standards quoted amounts are based on the ASFA retirement standards research, which you can access here: https://cbussuper.info/RetirementStandard
  • Retirement Essentials – Centrelink benefits: Why retirees are missing out: https://cbussuper.info/CentrelinkBenefits
  • Towards higher retirement incomes for Australians: a history of the Australian retirement income system since Federation: https://cbussuper.info/history
  • Retirement Reality: Advice and the Age Pension. MUFG whitepaper: https://cbussuper.info/AdviceMUFG

DISCLAIMER

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

As you approach retirement, one of the simplest ways to boost your confidence and your bank balance, is understanding the extra benefits available through the Age Pension. From discounts to direct savings, these supports can reduce your living costs and make your retirement income stretch further than you might expect.

Host Andrew Mackinnon speaks with Cbus Coordinator Phil Milne and Cbus Retirement Advice Consultant Bonyit Mabor. Together, they unpack the real value of concession cards, the Work Bonus, tax offsets and why so many retirees miss out on thousands of dollars simply because they don't apply for the Age Pension. This episode breaks it all down, so you can understand how to unlock what support is available for you.

Because it’s time to shift the way you think about your Super.

RESOURCES

• Attend an education session: https://cbussuper.info/attendseminar
• Calculators: retirement income estimate calculator
• Retirement planning: https://cbussuper.info/retirementplanner
• For more on compound investment returns (aka compound interest): https://cbussuper.info/investmentbasics
• Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/
• For more superannuation resources: https://moneysmart.gov.au/
• Retirement Essentials – Centrelink benefits: Why retirees are missing out: https://cbussuper.info/CentrelinkBenefits

DISCLAIMER

The information on this podcast is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

If you’re thinking about selling the family home in retirement, understanding how it could boost your super, and how it might affect your Age Pension, is one of the most important decisions you can make. The right move can increase your retirement income. The wrong one could unintentionally reduce it.

Join host Andrew Mackinnon as he sits down with CBUS Coordinator, Eammon Wolfe and CBUS Senior Education Specialist, Jeff Wallens. Together, they unpack what the Downsizer contribution is, who it benefits, and the lifestyle considerations that matter just as much as the financial ones.

Because it’s time to shift the way you think about your Super.

RESOURCES

• Attend an education session: https://cbussuper.info/attendseminar

• Calculators: https://cbussuper.info/calculator

• Retirement planning: https://cbussuper.info/retirementplanner

• Downsizer Contribution Fact Sheet: https://cbussuper.info/DownsizerFactSheet

• For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/invevstmentbasics

• Age Pension Eligibility check: https://cbussuper.info/EligibilityCheck

• Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://cbussuper.info/RetirementStandards

DISCLAIMER

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. The investment performance mentioned in this podcast episode is for our Growth (MySuper) option only. For the most up-to-date returns, visit https://www.cbussuper.com.au/super/my-investment-options. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.

Want to feel confident heading into retirement? Start by taking a step back and understanding what “living well” actually looks like for you, not just getting by, but feeling comfortable, prepared and in control. And the truth is, knowing what enough means for you can take a huge amount of stress off your shoulders.

Join host Andrew Mackinnon as he sits down with Cbus Coordinator Bob Byrne and Cbus Retirement Adviser Jonathan Harkness. Together, they break down what a comfortable retirement really costs, the simple tools that help you plan for your own lifestyle, and how your super and the Age Pension can work together to give you stability and peace of mind, no matter your balance.

Because it’s time to shift the way you think about your Super.

RESOURCES

• Attend an education session: https://cbussuper.info/attendseminar
• Calculators: retirement income estimate calculator
• Retirement planning: https://cbussuper.info/retirementplanner
• For more on compound investment returns (aka compound interest): https://cbussuper.info/investmentbasics
• Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/
• For more superannuation resources: https://moneysmart.gov.au/

DISCLAIMER

The information on this podcast is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel
+61 3 9882 8333

See omnystudio.com/listener for privacy information.