Gemma Mitchell

speaker

7,116 appearances 28 recordings 1 series first heard Apr 2026 last heard 21 Sep

Gemma Mitchell’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 28 in all, peaking in Jun 2026 with 8.

Appearances

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Australian Finance Podcast · How to boost your super by $100,000 · 27 Aug 2026 podcast

So where it's really common that someone might have an accumulation fund and a pension fund is because they've retired and they've started the tap. voice-verified

They've started drawing on their super as a pension. voice-verified

And then they might have gone back to work, found another job or something, and contributions have gone. voice-verified

A pension is a one-way street. voice-verified

Money can't go into it. voice-verified

It can build up with returns, but you can't physically add money. voice-verified

So it can't take contributions. voice-verified

So that's when you might have two funds. voice-verified

One's building up your accumulation with new contributions. voice-verified

You might be adding yourself or work might. voice-verified

And the pension's drawing a minimum. voice-verified

income out. voice-verified

So they're working together. voice-verified

And then when it gets to the point where you don't need the bucket, the accumulation anymore, you can just consolidate them. voice-verified

when we hear people say my super is so expensive and then we actually look, it's always insurance premiums that have come out of it. voice-verified

So you and it's it's fine to have them come out. voice-verified

You just want to make sure that um you're it's the right cover for you because and you're paying for something you actually need. voice-verified

Uh so I have a minimum balance in one, which the minimum balance is actually six thousand to keep the insurance going, but I've got ten thousand in one and that funds my insurance. voice-verified

And I have um selected something that's called an opt-in, which means if no contributions go in for 18 months, they have to keep my insurance going, which one of the voice-verified

Government rules was if no contributions go in or it drops under six thousand, they cancel your insurance and lots of people lost insurance. voice-verified

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