Super for women

Women typically live longer than men, making it vital that they have accumulated enough super to last through retirement.

Women often face unique challenges in saving for their retirement. Pay inequity, time out of the workforce to raise children or balancing part-time hours with managing a single parent household, the goal of building super can be quite complicated.

We offer low-cost products and services that can assist you in confronting these and more challenges, helping you to build your super.

Dependent spouses

If you’re a stay-at-home mum with a working partner, your partner may be able to make contributions to your super on your behalf. They may do this from their after-tax income or split some of the super they receive from their employer to your account.

Read about Spouse contributions and Super splitting in our Making contributions section.

Low income or part-time

If you’re working part-time hours or on a low income, you may be eligible for the Co-contribution scheme or a Low Income Super Tax Offset.

These are two government initiatives designed to improve the equity of superannuation tax arrangements for low-income earners and reward those who make an additional contribution to their super, on top of what their employer contributes.

Working women

Take control of your finances and get ahead in your super while getting ahead in your career.

Consider making a budget and plan ahead to grow your super through salary sacrifice and voluntary contribution arrangements.

Super and divorce

Superannuation benefits can be considered as property and may be included in a family law settlement after the breakdown of a relationship. If you’re going through a divorce, you may be able to access some of your former-spouse’s super. This can be particularly important in helping your establish your independence if you were financially dependent on your partner in the course of your relationship.

Outliving a partner

In the event that your partner dies, you may inherit their super if they have nominated you as a beneficiary. In general, this is paid as a lump sum but may also be paid as an income stream if your partner has nominated you as a Reversionary Beneficiary on a pension account.

Get educated

Be the boss of your finances.

Educate yourself on ways to manage your super, attend a workshop or seminar or call us for advice.