A brighter future for women

Small steps you take today can make a big difference to your financial future

On average, women retire with only $290,000 in super compared to men who retire with $360,000 due to a number of reasons1 — including lower earnings, part-time employment and time out from the workforce. But it doesn’t have to be like that. There are simple things you can do now which can make a big difference to your retirement outcome.

Follow these 5 steps to take control of your financial future:

1. Choose

1. Choose

It’s important to choose the right super fund – one that puts members’ profits before its own is a great place to start. Considering long-term performance, net benefit and fees is important too.

Compare super funds

2. Consolidate

2. Consolidate

Having more than one super account isn’t just complicated, it can cost more too. Paying multiple sets of fees can chip away at your overall super balance. Search for any lost super and consolidate2 to save on fees.

Consolidate your super

3. Contribute more

3. Contribute more

Adding a little extra to super3 could make a big difference to your final super balance through compounding returns. And setting up regular contributions is easy.

Grow your super

4. Check insurance

4. Check insurance

Most super funds offer default insurance for death and disablement when you join. Give yourself some peace of mind and check your account to see if you have enough cover or if you’re paying for insurance you don’t need.

Check insurance

5. Continue

5. Continue

If you’ve taken the time to carefully choose a super fund – and it’s providing strong long-term returns – one of the best things you can do is take your fund with you when you change jobs or retire.

Changing jobs


Download this booklet and keep it handy for when you’re ready to spend some time on your money matters. It breaks down the above steps in more detail and includes a questionnaire to help you find out how you can achieve a better financial outcome today.

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