In this episode of the Her Money Matters podcast, Naomi and Helene introduce the Love Your Super series — designed to help you think about super based on your life story, and to try and imagine that your super fund is your best friend that follows your through life.

In this theme, we explore the anthem of You're My Best Friend by Queen as our Pop Culture Reference, we really focus on your life timeline and that super has travelled with you through different jobs, employers, and stages. We also cover why learning to love your super helps you make sense of market ups and downs, including 2025’s super fund returns.

Naomi breaks down actual calendar-year performance, explaining how balanced super funds are designed to perform across market cycles, and why one negative year doesn’t mean something has gone wrong but it is a reason to check in with your fund. Helene then leads a conversation on the psychology of trust and money, and how feeling safe and connected leads to better financial decisions.

To support practical action and to provide a simple tool to help uncover what’s really driving your money behaviours, Helene introduces the De Martini Benefits and Drawbacks exercise which you can find here:

We provide a risk profile tool to help you determine how much of your super fund you should have in growth assets versus defensive assets which you can find here:

In this episode we cover:

• Helping you to connect to your super fund and see it as a reflection of your life

• The actual 2025 super fund returns for Australian shares and Balanced funds

• The Top 5 performing balanced super funds in 2025

• The top 5 performing balanced super funds over the past 10 years

• Why it matters and the difference in performance in actual returns on a balance of $100k over 5 years

Check in on your super like you would a trusted friend. Open your super app, review your 2025 performance, and get familiar as this will be one of the best things you can do to help the Future You. If you need help reading your statement, head back to Episode 21 or reach out to either Naomi or Helene if you need more help.