| Hi Aris, Welcome to this week's edition of Smart Investing. Many Australians are missing out on opportunities to maximise their superannuation contributions, simply because they don't know how. October 31 marks the 100th anniversary of World Savings Day, and it's an opportune time to review your retirement savings strategy. In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, says many of us need a super savings nudge and explains some easy ways to get extra money into your super through before-tax and after-tax contributions. Meanwhile, a growing proportion of Australians plan to keep working past the age of 65, either to remain socially engaged or for financial reasons. Likewise, many Australians are retiring earlier than they expected. Our second article draws on Vanguard's 2024 How Australia Retires research and looks into the critical role of planning in the retirement process. Lastly, the latest quarterly SMSFs data from the Australian Tax Office shows self-managed super funds (SMSFs) were managing over $990 billion of assets at 30 June this year. But just as interesting is how SMSF trustees are investing their money, and the changes in asset allocations that have occurred over the last five years. We examine where the biggest SMSF investment shifts have taken place since 2019. Vanguard has a special offer to subscribers wanting to attend the 2024 ASX Investor Day sessions in Melbourne, on 16 November, and in Sydney, on 23 November. Click on the banner below to register and enter the code NOV24 to receive a 20% discount. | 
