Superannuation

Superannuation is designed to support you in retirement—but life doesn’t always wait. For women facing financial hardship or serious medical conditions, early access to super may feel like the only option. While it’s possible under strict conditions, it’s important to understand the rules, risks, and alternatives before making a decision.

Returning to work after maternity leave is a major life transition—emotionally, professionally, and financially. While your focus may be on juggling routines and reconnecting with your career, your superannuation deserves attention too. Time away from paid work can create gaps in your retirement savings, but with a few smart strategies, you can start rebuilding with confidence.

Superannuation is one of the most tax-effective ways to build long-term wealth—but it comes with rules. One of the most important is knowing how much you can contribute each year without triggering extra tax. These limits are called contribution caps, and staying within them can help you grow your retirement savings efficiently and confidently.

When it comes to growing your superannuation, understanding the difference between concessional contributions (CC) and non-concessional contributions (NCC) is essential. These two types of contributions offer different tax treatments, caps, and strategic advantages—especially for women planning for retirement or navigating midlife financial decisions.

Superannuation might not be the most exciting topic at brunch—but it should be. Why? Because it’s one of the most powerful tools you have for long-term financial wellbeing. And yet, many Australians—especially women—aren’t making the most of it.

Motherhood is a beautiful, life-altering journey. It’s filled with love, sacrifice, and growth. But there’s one cost that often goes unnoticed—until it’s too late. It’s not the sleepless nights or the endless laundry. It’s the financial toll on your superannuation. In Australia, the average woman can lose over $47,000 in retirement savings simply because she became a mother. That’s not just a number—it’s a wake-up call.