Gemma Dale
speaker
925 appearances
2 recordings
2 series
first heard Jun 2026
last heard 18 Jun
Gemma Dale’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 2.
Appearances
That is the low now.
So there have been a lot of improvements about things that used to cause people enormous distress and financial loss that were sort of built into the system.
Now the system has been cleaned up in a lot of ways to make it much better for individuals and employees.
So find out where your super is.
Go and have a look at your latest statement.
Get a login.
Most people forget their super login now.
You know, get a login, go and see where it's invested.
Have a look at your fees, understand what your fees are.
I do want to talk about insurance because when you're younger, you may have default insurance or you may have no insurance.
This is life insurance.
This is, so there's actually three types of insurance you can have.
Life insurance, total and permanent disablement, which is called a handful of things, but let's call it total and permanent disablement because I'm old and that's what I call it.
DPD and income protection.
Now, they're immensely valuable for you if you need them.
For young people, if you're single and you don't have any debt, then life insurance might not be valuable for you.
But income protection is very important.
If you've got huge assets elsewhere, then they're not important.
So you want to know what the insurance is because the premiums come out of your balance every year.
And if you're paying sizable insurance premiums, you know, several thousand dollars a year, and they're eating up your contributions and you didn't really know you were paying them, there's no accrued benefit to it.
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