Empower your financial future
Celebrate International Women’s Day with a webinar designed to lift your confidence and your super. Whether you’re starting out or planning retirement, get practical tips to help you feel empowered and financially in control.
Webinars:
Starting strong - Women in the early stages of their career
Thursday 5 March, 12pm (AEDT) / 9am (AWST)
Planning for retirement - Designed for women approaching retirement and considering their next steps
Thursday 5 March, 3pm (AEDT) / 12pm (AWST)
Webinar length:
Each webinar will run for 30 minutes including Q+A
Women and super FAQ
What is the superannuation pay gap?
Women earn 86 cents for every dollar men earn - $317 less per week, or $16,484 over a year1.
Why do women have less super?
Lower average earnings, part‑time work, career breaks, and disproportionate unpaid caring responsibilities all contribute. Women also make up 80% of primary carer parental‑leave takers2.
What is the average super balance for women in Australia?
Women nearing retirement have around 25% less super than men.¹Men aged 60–64 average $401,600 in super, while women of the same age hold just over $300,0003.
5 tips to take control of your super for women
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1. Compare and choose
1. Compare and choose
Doing a comparison of funds might be a great place to start when choosing the right super fund for you. You may want to look at things like investment performance, what fees you’re going to pay and if they’re reasonable, and what insurance options might be available.
Compare super funds
2. Consider consolidating
2. Consider consolidating
Having more than one super account generally means more paperwork, and often additional costs too. Doubling up on fees can chip away at your overall super balance, which is why you may want to consider combining multiple accounts into one3.
Consolidate your super
3. Contribute a bit more if you can
3. Contribute a bit more if you can
In addition to any employer contributions you might receive, your super can grow through investment performance4 and any extra contributions you add to it during your working life5. You’re also able to generate returns on top of returns, as super benefits from compound interest.
Grow your super
4. Check your insurance
4. Check your insurance
There are generally three types of insurance cover available in super, including Death, Total & Permanent Disablement, and Income Protection. Paying for insurance cover out of your super may mean you'll have less for retirement, but having cover can provide peace of mind, so consider if it’s right for you.
Review insurance
5. Manage your super on the go
5. Manage your super on the go
Managing your super on the go has never been easier with the AustralianSuper mobile app. You can check on your super anywhere, anytime. And, it's and easy way to get in touch with us. Download the app today in three easy steps.
Download the app
Whether you’re just beginning your superannuation journey or seeking strategies to boost your retirement savings and don’t have time to register for a webinar, we have other resources to help you.
Starting strong – Checklist
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Leaving school or university
Get the basics right early and set yourself up for the future.
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Learn the basics of tax and super
Understand how super works and why it matters from your first job. Learn how tax and super work
- Get your Tax File Number (TFN)
Make sure you’re taxed correctly and your super is paid to the right place. Find out how to get your TFN
- Build confidence with super
Learn more about super in a way that fits your life. Listen to a podcast
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Learn the basics of tax and super
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Starting a new job
Set up your super and money settings while it’s easy to make changes.
- Download the AustralianSuper app
Track your balance, contributions and investments in one place. Download the app
- Check your super is being paid
Make sure your employer is paying the right amount, on time. Estimate your super
- Consider consolidating your super4
Combine your super it may reduce fees and make it easier to manage. Combine your super
- Review your investment option
Choose an option that suits your goals, timeframe and comfort with risk. Review your investment options
- Nominate your beneficiaries
Decide who receives your super if something happens to you. Nominate your beneficiaries
- Create a simple budget
Understand your spending and start building savings. Use the budget planner
- Download the AustralianSuper app
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Pay rise or bonus
Make the most of extra income when it comes your way.
- Consider adding more to super6
Small extra contributions can make a difference over time. See how extra contributions can help
- Consider adding more to super6
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Moving out of home
Plan ahead to manage costs and protect your future.
- Calculate your living costs
Review your budget before committing to rent and bills. Plan your budget
- Understand rental bonds and leases
Know your rights and responsibilities as a renter. Learn about bonds and leases
- Explore the First Home Super Saver Scheme
See how saving through super could help with a home deposit. Check if FHSS could work for you
- Set your deposit goal and timeframe
Break your savings target into manageable steps. Set your savings goal
- Check your insurance cover
Make sure your cover still suits your situation. Review your cover
- Calculate your living costs
Keep learning
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Disclaimers
- Full-time adult average weekly total earnings, trend. Australian Bureau of Statics May 2025. Published August 2025.
- Workplace Gender Equality Agency (WGEA) 27 November 2025, WGEA Gender Equality Scorecard 2024–25 wgea.gov.au/publications/australias-gender-equality-scorecard
- Deloitte Average Super Balance to 30 June 2024, rounded to the nearest $100. People with zero superannuation are not included in the average data, figures provided to AustralianSuper.
- Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.
- Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.
- Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.