Deanne Stewart

Aware Super welcomes the start of the Payday Super regime on Wednesday 1 July, one of the most meaningful improvements to Australia’s retirement savings system in a generation.

From Wednesday, employers are required to pay superannuation at the same time as salary and wages, with contributions required to reach an employee’s super fund within seven business days of each payday in most cases. The reform ends a long-standing arrangement under which super could be paid quarterly.

Aware Super CEO Deanne Stewart said: “This is a genuine win for Australian workers. Super is as important to people’s financial wellbeing as the wages in their pocket and should be treated that way. Payday Super fixes an outdated system and Australian workers will ultimately be better off for it.

“This change will help ensure workers receive the right amount of super and can track their payments more easily. It also means contributions will be invested sooner, building retirement savings faster.”

Ms Stewart said the reform would have an especially significant impact on women, many of whom have historically lost super through the gaps created by quarterly payment cycles. “Many of Aware Super’s members are women working in health care, education and community services — often in part-time or casual roles. Payday Super addresses a structural inequity that has cost these workers real money over their working lives. That matters enormously to us,” she said.

The fund has worked closely with employers in the lead-up to 1 July, providing guidance and practical support to help them understand and meet their obligations.

Ms Stewart said Aware Super would continue to support employers in the early stages of implementation. “We know that for many employers, especially those who are not large payroll operators, this is a significant change. We’ve been working closely with employer groups in the lead up to 1 July and we’ll continue to support them as the new system beds in. Our goal is to help make this transition as straightforward as possible.”

The fund’s readiness for Payday Super has been underpinned by its Catalyst Project, completed in 2023, which brought member administration in-house and digitised over 90 per cent of Aware Super’s processes — creating a modern, efficient administration platform purpose-built for a more dynamic contribution environment.

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CEO Deanne Stewart praised Mr Pendleton’s contribution to Aware.

“We give our heartfelt thanks to Ian for his unwavering dedication, member focus and the genuine care he has shown throughout his time at Aware Super,” Ms Stewart said.   

“Ian’s leadership has had a lasting impact on the professional organisation he helped build – one grounded in integrity, commitment and collaboration.“

Jane Couchman, who currently leads Risk, Compliance & Sustainability, will take the helm of a newly created division as Chief Risk Officer & Group Executive, Governance, bringing together the Risk, Compliance & Sustainability team with Mr Pendleton’s Legal & Company Secretariat.

”I congratulate Jane on her appointment to this crucial role. Joining our risk and legal divisions is designed to enhance operational alignment, further enable cohesive decision-making and positions us to continue to deliver effectively on our operational and strategic priorities,” Ms Stewart said.

”In an environment of evolving risks and opportunities, strong governance and prudent risk management are critical to fulfilling our obligations as the stewards of our 1.3 million members’ retirement savings.​”

This change has enabled a number of internal promotions including appointing Greg Gokavi-Whaley to the newly created Deputy Chief Risk Officer role. Belinda Dent steps into an expanded General Counsel role and Anthia Lepouris takes on an expanded Company Secretary role, reporting to Ms Couchman.

Mr Pendleton will formally conclude his Group Executive role on 29 June 2026, when the new structure takes effect. 

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Deanne Stewart

TelstraSuper and Aware Super have successfully completed their merger, less than a year since they first began to explore the proposal.

About 85,000 TelstraSuper members have now joined Aware Super via a Successor Fund Transfer (SFT) to create a superannuation fund with approximately 1.3 million members and over $235 billion in funds under management.

The two funds first announced plans to explore a merger in July last year, signed a Heads of Agreement in October and executed the SFT on 30 April.

Aware Super CEO Deanne Stewart said: “This merger is a significant achievement in the history of Aware Super and TelstraSuper and enables members to benefit from the deep retirement and advice capabilities of both organisations, greater scale and enhanced member outcomes.

“Remarkably, it has been achieved in only 9 months which speaks to the alignment of values and strong execution capabilities of both organisations.

“We are thrilled to welcome TelstraSuper members to Aware Super and excited at the opportunities ahead to help them achieve their best possible retirement.

“Our sincere thanks to the TelstraSuper Board, Executive and broader team for their dedication to their members and making the merger a success.”

Former TelstraSuper CEO Chris Davies said: “We’re pleased to see the merger successfully completed, and proud that TelstraSuper has joined with the right partner to support our members’ long‑term best interests. Aware Super shares our deep commitment to members and is well placed to continue delivering strong retirement outcomes.

“Congratulations to everyone involved across both organisations for their hard work and unwavering focus on supporting our members – now and into the future.”

Aware will continue a period of heightened support and additional resourcing over the coming weeks to ensure member questions and requests are responded to promptly.

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Anne-Marie O’Loghlin

Aware Super and TelstraSuper have signed the Successor Fund Transfer (SFT) deed, a key milestone in their merger process.

The signing opens the way for the next stage of the merger process and the transfer of TelstraSuper members to Aware Super in the next two months.

Once complete, the merger will see Aware Super managing about $237 billion in retirement savings for around 1.3 million members.^#

Both Funds will continue to operate independently until the merger is executed via the Successor Fund Transfer.

TelstraSuper Chair Anne-Marie O’Loghlin AM said that the Fund was confident the merger would deliver strong long-term outcomes for TelstraSuper members.

“Extensive due diligence has confirmed the strong alignment of values, performance, and member outcomes between our two funds. This gives us great assurance that the transition will deliver long-term benefits and an enhanced retirement experience for all members.”

Aware Super CEO Deanne Stewart welcomed the signing of the SFT deed and the beginning of the next stage of the merger process.

“We have passed a significant milestone in the merger process and are looking forward to welcoming TelstraSuper members to Aware Super.

“Uniting two of Australia’s foremost retirement experts helps us keep costs low and deliver market leading retirement solutions and investment performance. Together, we will set a new benchmark in retirement outcomes for our members.”

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Mr Warner, who joined Aware Super in 2023 as Head of Portfolio Management, will lead the Fund’s 160-person award-winning investment team that manages its members $205 billion superannuation savings across equities, fixed income, infrastructure, property and private equity.

Aware Super Chief Executive Officer Deanne Stewart said Mr Warner’s appointment ensured continuity of the Fund’s investment strategy and strong governance frameworks.

“Simon has demonstrated exceptional leadership during his two years at Aware Super, contributing to our track record of delivering outstanding returns for members,” Ms Stewart said.

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Damian Graham

Aware Super has announced an important update on its investment leadership team and succession planning to ensure the $190 billion Fund continues to deliver strong returns for its 1.2 million members.

After 12 years as Chief Investment Officer, Aware Super is pleased to announce that Damian Graham will transition into the role of Head of International, based in London, to further drive the Fund’s international growth ambitions across its key global markets.

This transition follows 12 months of succession planning discussions where Damian shared his intention to transition to retirement over the next few years.

A global search to appoint a new CIO is now underway to ensure a smooth transition for its investment leadership team, with Mr Graham to remain in his role as CIO before relocating to London at the end of the year.

Since opening its London headquarters in 2023, Aware Super has committed more than £2 billion, following a commitment to invest £5.25 billion in the UK and continental Europe over five years.

Aware Super CEO Deanne Stewart said: “Aware Super firstly recognises Damian for his outstanding contributions as CIO over the past decade, where he was instrumental to our strategy and to the Fund, delivering consistently strong results for the benefit of our members.

“We are absolutely delighted that Damian will stay with the Fund and has accepted this role as Head of International to lead our global activities based out of London, which will further elevate our international profile and performance as we actively pursue our strategy as a global asset owner.

“This carefully managed transition ensures Aware Super continues to benefit from Damian’s extensive investment experience as we continue to build our global presence and ensure we retain the Fund’s strong culture as we expand internationally.

“At the same time, Aware Super welcomes this opportunity to build upon our leadership team with a new CIO that will continue the growth of the Fund as we aspire to help our members plan and live their best retirement through delivering super returns and being super helpful when they need us.”

Aware Super Chief Investment Officer Damian Graham said: “I am proud of what we have achieved over the last decade for our members in helping to secure their retirement, the significant growth and top-tier performance of our fund as we have expanded globally, and the high calibre and experienced investment team we have developed. I thank Deanne and the Board for their tremendous support, and I am excited and invigorated by the opportunity to continue with the Fund and lead our global operations.”

Aware Super has consistently been a top performing superannuation fund during Mr Graham’s decade with the Fund, most recently being recognised as Super Ratings Fund of the Year and Platinum 2025 MyChoice Super of the year.# Across his broad portfolio, Mr Graham was also instrumental in launching Aware Super’s international expansion strategy including into the UK in 2023.

He has also constructed a strong diversified portfolio and built a 150-strong highly regarded investment team – both of which deliver outstanding returns, at lower fees for Aware Super members. In addition, Damian has future-proofed Aware Super’s investment leadership with Project Odin, a digital platform which will further empower the Fund’s industry-leading hybrid investment model and Total Portfolio Approach to investing.

Aware Super’s current Head of International Damien Webb will return to Sydney in late 2025 as previously planned.

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Christine Cupitt

For the first time, a landmark event will bring together industry leaders, innovators, and changemakers to discuss how life insurance can create meaningful change for all Australians.

‘Wild For Life 2025’, the inaugural conference of the Council of Australian Life Insurers (CALI), will be taking place at Taronga Zoo, Sydney, on 2 April 2025.

“We are at a pivotal moment in Australia. About 3.4 million people are underinsured to meet basic needs for income protection^[1]. Even more concerning, our research shows only one in three working Australians are aware of the life insurance coverage they have^[2],” said Christine Cupitt, CEO of CALI.

“That’s why we’re looking beyond the horizon to understand the changing needs of all Australians.

“At the conference we’ll be diving into conversations about how insurers can better support women, Gen Z and Gen Alpha, and people with mental health challenges.”

Attendees will make valuable connections with industry peers and gain insights from experts, policymakers, regulators, and consumer advocates.

A highlight is set to be a panel discussion on better serving women, including:

• Jamila Rizvi, a leading advocate, best-selling author, opinion columnist, podcast host, and gender equality advocate. As the Deputy Managing Director of Future Women, she champions gender equity in Australian workplaces by driving professional development, advocacy, and fostering a supportive community for women.
• Deanne Stewart, the CEO of Aware Super is an expert in super, wealth, and insurance. She is a strong advocate for gender equality and was honoured by the Workplace Gender Equality Agency as a pay equity ambassador in 2019.
• Trish Gregory, CFP®, a millennial certified financial adviser and ReCALIbrate winner. She is renowned for her passionate advocacy for financial freedom and supporting women to enter the financial planning profession.
• Dr. Rebecca Huntley, one of Australia’s foremost researchers on social trends and a Fellow of the Women’s Leadership Institute of Australia and The Research Society. She leads CALI’s research work and has played an instrumental role in the Climate Compass, Gender Compass and Community Compass projects, which look at how Australians feel about critical issues in the community.

“Wild For Life 2025 isn’t just another industry event—it’s a call to action. This conference will challenge us to think bigger and act bolder in how life insurance serves Australians,” said Kent Griffin, CEO and Managing Director of MLC Life Insurance (becoming Acenda).

“With real conversations, real collaboration, and real outcomes, this is a unique opportunity to drive lasting change.”

CALI is also kicking off the 2025 review of the Life Code at a two-hour workshop, where attendees will help shape its foundations and deep dive into how it could better support Australians experiencing mental health challenges.

“This is a fantastic opportunity for attendees from all parts of the life insurance ecosystem to influence the future of the Life Code and help shape its next evolution,” Ms Cupitt said.

Get your ticket

———

Notes:
[1] Deloitte (previously Rice Warner), Underinsurance in Australia, 2020
[2] CALI Life insurance sentiment survey wave 6, December 2024

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(L to R) Rebecca Huntley and Deanne Stewart

A new report^[1] from social researcher Dr. Rebecca Huntley, commissioned by Aware Super, highlights the cost of Australia’s inaction on climate change and calls for the Federal Government to add substance to rhetoric by committing to net zero by 2050.

The report, titled Building back better: the intersection of climate solutions, healthy people, and thriving communities, highlights that we have a once in a generation opportunity for Australia to reset and refocus our economy following COVID-19.

CEO of Aware Super, Deanne Stewart, said if our COVID recovery is focused solely on getting back to where we were 12 months ago, it would be a wasted opportunity: “Before COVID-19 our economy was stagnant, our labour force was casualising in the gig economy and inflation was stubbornly stalled below the Reserve Bank’s target range.

“At the same time the cost of living for Australians continued to swell, driven by factors such as energy prices and the housing market. We don’t want to return to that – we need to reshape the Australian dream.

“This is our chance to tackle, head-on, the most significant challenges on our horizon and build back better as a nation.”

Ms. Stewart added: “Our work with Dr. Huntley highlights the opportunity that climate solutions offer for our nation in fostering employment, driving new prosperous industries, and delivering cleaner, cheaper energy that will directly and positively impact Australians’ hip pockets.

“Importantly, Building Back Better also illustrates the critical link between climate change, our health and our communities. This must be factored into how we understand the impact of climate change on communities right across Australia.”

The report highlights the significant work of Australian businesses, communities, local and state governments, and individuals on climate solutions and net zero initiatives and the results they drive. By strengthening our country’s climate targets and policies, in line with net zero emissions by 2050, Australia could create $63 billion in fresh investment opportunities^[2] and could reduce the average annual electricity bill for households by at least $550 a year.^[3]

Research also shows that climate change and severe weather events may cost us more than $19 billion by 2030 from loss of jobs and agriculture^[4] . By 2050, it could cost us 310,000 jobs annually and reduce our economic growth by 3.6% per year; by 2070, that is a $3.4 trillion economic loss^[5] .

Dr. Huntley called on the Federal Government to move the climate conversation forward with meaningful action: “We are hearing positive talk about climate solutions from our Government, but this is yet to translate to action. It is costing taxpayers dearly, and the longer we stand still, the more it will cost us in the future.

“Many Australians already have solar panels on their roofs – they see the benefit to their own hip pockets and the environment. Many private businesses have called for a price on carbon or are investing in renewable innovation or reskilling workers to enter greener industries. There is strength in numbers, and what we need now is for Government to come to the party.”

Ms. Stewart added: “As the country’s second largest super fund, we have the power to significantly impact the future of not only our 1.1 million members but of the wider community through the sustainable investment decisions we make every day. Through investments in infrastructure, a transition to alternative energy sources, and affordable housing, all critical themes identified in our report, we can help jump start our economy post-pandemic.

“Capitalising on climate action is the logical next phase for Australia’s growth. It’s not about activism; it simply makes smart business sense.”

Read the report.

——

[1] https://aware.com.au/campaigns/build-back-better
[2] Investor Group on Climate Change
[3] Energy Security Council
[4] Climate Council Report
[5] Deloitte, A new choice – Australia’s climate for growth

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Josh Funder

Household Capital’s 2020 Third Pillar Forum launched yesterday as an online experience. The online forum includes a live panel discussion and interviews with 27 experts from around the world.

The Forum’s live national panel debate was hosted by Ali Moore in the Melbourne studio with Andrew Boal, CEO of Rice Warner and Joshua Funder, CEO of Household Capital. Senator the Hon Jane Hume, Assistant Minister for Superannuation, Financial Services and Financial Technology, along with Aware Super CEO Deanne Stewart and Milliman’s Amara Haqqani joined from the Aware Super Sydney office. Peter Harris, former Chairman of the Productivity Commission and author Jean Kitson joined respectively from Queensland and New South Wales.

The robust conversation covered the three pillars of retirement funding: the government pension, superannuation and voluntary savings including home equity. The panel also addressed wider topical concerns around aged care, the significant disparity between the sexes in retirement wealth, the need for education and engagement, as well as focussing into specific action points such as proposed increases to the standard employer contribution of 9.5 percent, or including the home in the asset test.

Senator Hume said, “The concept of the third pillar is actually really important, the importance of that third pillar in providing for retirement has been really overlooked I think in the policy conversation about retirement so far. And a third pillar, or voluntary savings, is incredibly important to the retirement security of Australians. For many, as we know, the family home is possibly the most significant form of voluntary savings that retirees have historically had, because retirees have historically had a very high level of home ownership compared to other countries, in Australia. However, the family home is not actually considered a part of a person’s retirement income.”

Dr Joshua Funder, Chief Executive Officer of Household Capital said, “Home isn’t just a source of funding, it’s not just a house. It’s your identity, it’s your family, it’s your community, it’s housing, and it’s a source of funding.” Advocating for the need for change, Funder said, “Older Australians are some of the wealthiest in the world, they live longer than ever and yet they are worried.”

Key topics

The key topics discussed by the lively panel included the three pillars, aged care, women in old aged poverty, education and engagement.

The three pillars

The live panel provided a unique opportunity to cohesively focus on all the three pillars of retirement funding: the age care pension, superannuation and home equity.

The funding amount is significant. “There’s a trillion dollars in home equity owned by Australian retirees – using this responsibly for long-term funding can improve retirement,” said Funder.

Senator Jane Hume said, “Ultimately what we need to be thinking about is the interaction of all three pillars of the system: the aged pension, superannuation and the third pillar, and how they work together to deliver for Australians in retirement.”

Deanne Stewart, CEO, Aware Super said, “Threading the needle between pillars one, two and three needs good quality and affordable advice. This results in confidence and good mental health in retirement.”

Aged care

Aged care is a major concern of every Australian, with the Royal Commission and COVID bringing it sharply into focus and later aged care being of particular importance.

Jean Kitson, author of Let’s Talk About Mum and Dad said, “I found there was a lot of fear about aging and aged care and especially the capacity to pay for your care. I think that fear, it also comes out of that narrative, that older Australians are a burden. That has been a terrible narrative and it sets up a conflict between older Australians and people who are making financial policy and economists. That puts everyone in a defensive mode.

“My parents are pensioners and they manage, they don’t imagine. They have lives, not lifestyles.”

Andrew Boal, CEO, Rice Warner pointed to the escalating costs in later life. “We’re living longer but only about half of that is healthy. After age 82, nearly 50 percent have health issues,” he said. “The cost of health care after age 85 is about five times higher than the cost of healthcare for a 35 year old. And then you’ve got aged care. Am I going to need it? To what extent? I don’t know. So I’m going to have to reserve a whole lot of capital just for those things just in case.”

Women in old aged poverty

The levels of poverty of women in retirement were of concern to all members of the panel.

Deanne Stewart, CEO of Aware Super  said, “Two thirds of our members are female. We see a real disparity between males and females. Females are retiring on 57 percent of their male counterparts. One in three women get to retirement without superannuation.”

Kitson empathised, “It’s women on their own, mostly women on their own, on one pension and renting. They’re the ones in a lot of strife and who really struggle.”

Stewart explained the reasons behind the lower fund balances. “About one third of it is the career breaks. Taking time out, maternity leave, looking after elderly parents. About two thirds of it is due to wage differences. Women tend to work more part time, and that gender pay gap. Underneath that data is not just about women, but those with very low income. And those that are more casualized or part-time, or in the gig economy.”

Funder spoke to the broader issue of supporting all older Australians, including women, to have a dignified old age. “Many Australians, particularly single retired Australians, particularly single female retired Australians have only one pillar and it’s the pension and where those Australians are in the private rental market, they’re amongst the poorest and most vulnerable of Australians. So, that’s not a question about three pillars, that’s a question about helping those people live with dignity throughout their lives. We all need to come together and agree on a whole range of help that’s needed to make sure those aged Australians aren’t vulnerable, poor and can live with dignity.”

Education and engagement

The panel all spoke to the importance of education and engagement to increase knowledge and confidence. This becomes increasingly challenging as customers age.

“What we really want is people to be more engaged in their superannuation and more engaged, including their superannuation as part of their personal balance sheet,” said Senator Hume.

Amara Haqqani, Director, Milliman asked, “What processes and policies can we put in place to encourage engagement between people and their retirement funding? We need to be better at providing education to retirees.”

Haqqani spoke to the need to be education rather than product focussed. “We talk about guidance, financial guidance, financial counseling. It all comes back to getting the basics right to get people confident. Once you’ve got them understanding their own retirement needs, then you can start looking at products.”

Financial technology may play an important role in making mass information accessible. “We can use technology to help ‘middle Australia’ navigate an appropriate retirement strategy,” said Boal.

Harris spoke strongly for the need for independent expert advice. “We need a form of navigator here, and it has to be a trusted navigator. It’s a person who provides better information in your particular circumstances. We don’t really develop such people for the purposes of aging.”

The benefits will be seen across society. “We need to get retirees confident in their finances and their lifestyle. That will encourage consumption which is good for everyone” said Funder.

Online in 2020

The inaugural Third Pillar Forum was hosted in Melbourne in October 2019.

Dr Joshua Funder, Chief Executive Officer of Household Capital, said, “We were strongly committed to ensuring that the 2020 Third Pillar Forum went ahead. Now more than ever it is essential that the government and the industry seeks solutions that allow older Australians to live safely and securely in their old age.”

As a fintech Household Capital, had been delivering 100 percent digital customer service to older Australians since before lockdown so while the move online was new, it was a natural development.

Funder continues, “We have continued to grow throughout the pandemic, providing support, information and funding for our customers through an online customer experience and through video and telephone support. Delivering the forum online fits with our commitment to provide great content, drive the conversation and build a movement to deliver all three pillars of retirement wealth to older Australians. This year’s format enabled us to invite all our customers as well as industry experts who could join live and ask questions of the panel. Household Capital looks forward to hosting industry events in a more normal future, but following the successful response to this year’s online broadcast element, will continue to ensure widespread access to our content and national conversation.”

The 2020 event was attended by Household Capital customers, industry leaders and media. As well as the live panel, the Third Pillar Forum includes interviews and content from experts and advocates from Australia and around the world.

Join the conversation

Household Capital is committed to keeping this topic alive throughout the year. Join the conversation on Twitter #thirdpillarforum. Watch the live panel discussion as well as to view 27 videos from world leading experts.

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Deanne Stewart

First State Super is one of 30 global businesses to have joined a United Nations-backed Alliance, who will work together over the next two years to support the delivery of the 2030 Agenda for Sustainable Development.

Speaking from New York at the launch of the Global Investors for Sustainable Development (GISD) Alliance, First State Super CEO Deanne Stewart said achieving the Agenda for Sustainable Development would require a bold and committed response from the public and private sector.

The 2030 Agenda, adopted by all UN Member States including Australia, is made up of 17 Sustainable Development Goals (SDGs) which set out a future underpinned by sustainable and inclusive economic growth.

First State Super is the only Australian organisation on the GISD Alliance, and Ms Stewart said it was critical organisations like hers were planning for a sustainable future.
‘As a long-term retirement provider, First State Super has a duty to manage the risks and opportunities associated with our investments and our members’ retirement savings in the long term,’ Ms Stewart said. ‘We have to protect and enhance the retirement savings of members who are at the end of their career, and also those who are just entering the workforce and may live beyond the turn of the century. In both cases, our members want their savings to support a long and happy retirement.

‘Considering and supporting long-term sustainability and value creation is critical to our ability to deliver on our purpose and support our members, no matter where they are on their life journey.

‘We know that future economic growth and prosperity will be delivered by those organisations who use their resources sustainably; treat their employees, customers and suppliers fairly and ethically; and have strong governance and culture; consistent with the SDGs.

‘Taking bold and decisive action now to deliver on the SDGs is critical to achieving long-term sustainable economic growth.’

The GISD Alliance has a two-year mandate to work together to consider ways to free up private capital to support the delivery of the SDGs.

Ms Stewart said First State Super had identified a number of focus areas aligned with the SDGs and made capital commitments in support of these. Its involvement in the GISD Alliance was a further opportunity to collaborate with other organisations globally to achieve real change.

‘The private sector has a pivotal role to play in achieving a sustainable future, in addition to considerable financing expected to come from public sources,’ Ms Stewart said. ‘The short two-year mandate for the GISD Alliance requires us to focus on clear targets and actions which will influence real change and deliver a genuinely sustainable future.

‘This is consistent with our purpose of delivering the best possible retirement outcomes for our members and being a force for good in the communities where they live, work and retire.

‘We have made a great start, and I look forward to seeing where our efforts take us over the next two years.’

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