Superannuation in Plain English
Finally understand your own super — the statement, the phases, and the questions worth asking.
Included in Morning Post membership — $79 a year · Cancel anytime
Most Australians retire holding a six-figure account they’ve never really understood. This class translates the statement, the fees, the options and the retirement phase — so you can ask sharper questions of the people paid to answer them.
It’s for the reader whose super statement goes in a drawer, unread.
The eight lessons
1What Super Actually IsThe ownership reframe that changes everything: it was always your money.2Reading Your Statement Without Glazing OverThe four numbers that matter — and permission to skim the rest.3Fees, and Why They CompoundThe smallest number on the statement, and the very long shadow it casts.4Investment Options in Plain EnglishGrowth, balanced, conservative — translated from jargon into weather.5The Retirement PhaseThe two rooms of super — and the paperwork door between them.6Lump Sum, Income Stream, or Both?The three shapes super can take — shown through two kitchens, not a lecture.7Super and the Age Pension, TogetherThe myth that needs retiring — and the dial most people don’t know exists.8Getting Real Advice (and Dodging Fake Advice)Who’s who in super help — and the red flags that mark the fakes.One page of homework per lesson: your accounts on the record, the four numbers from your own statement, the fee check, the option page, the two rooms, the shapes, the pension check — and the questions page to hand to your fund, FIS or an adviser. Print it, fill it in pencil, keep it with your important papers.
How to get it
Morning Post membership
This class and the other 17 — plus both Morning Post workbooks, all four mysteries, and everything we build next. Covers your household.
Become a member — $79 a yearNo password — we email you a link · Any phone, tablet or computer · Cancel anytime
Pairs well with The Age Pension & What You’re Entitled To and Getting Ready to Retire.
Questions worth asking
Will it tell me which fund or option to pick?
Never — it’s translation, not advice. You’ll leave knowing the questions; your fund and a licensed adviser answer them for your situation.
I’m already retired. Too late?
No — the retirement-phase and pension lessons are written for exactly where you are.
Do I need my statement handy?
Lesson 2 is best with it in hand — paper or the app, either works.
Morning Post Classes — general education, never personal financial advice. Rules and rates change: check your own situation with Services Australia, the free Financial Information Service, or a licensed adviser. Narration and illustrations are AI-assisted under human editorial review — editorial policy.