Women in Australia retire with approximately 42% less superannuation than men on average (ASFA data). This gap is driven by the gender pay gap, career interruptions for caring responsibilities, part-time work, and longer life expectancy — meaning women also need their super to last longer.
This section provides practical information and strategies to help women build stronger retirement savings.
Articles in This Section
The Gender Super Gap — Why Women Retire With Less
An in-depth look at why the gender super gap exists, how big it is, and what it means for women’s retirement outcomes.
How the Gender Pay Gap Affects Super
Lower wages mean lower SG contributions. This article quantifies the compounding impact of the gender pay gap on superannuation over a career.
Super and Motherhood
Pregnancy, parental leave, and returning to work all affect superannuation. Learn how motherhood impacts super and what strategies help.
Super for Stay-at-Home Parents
Stay-at-home parents — often women — receive no employer SG. Learn about spouse contributions, co-contributions, and other ways to build super outside the workforce.
Spouse Contributions and the Gender Super Gap
Spouse contributions are one of the most effective tools to address the gender super gap. Learn how they work, the tax offset, and who is eligible.
How to Boost Super as a Woman
Practical strategies for women to increase their superannuation — from government co-contributions and catch-up contributions to fund choice and insurance review.
Super Splitting After Separation
When a marriage or de facto relationship ends, superannuation can be divided. Learn how super splitting works in Australia and what to do after separation.
For advice tailored to your retirement planning situation, speak with a licensed financial adviser via MoneySmart.