Superannuation Tips for Women Returning to Work After Maternity Leave

⚠️ Any advice provided through our communications and platforms is general financial advice only and has not considered your individual objectives, financial situation, or needs. Consequently, before you decide to act on any of the information provided, it’s important for you to evaluate its appropriateness for your personal circumstances. 

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.

1. Understand What Was Missed

   During unpaid parental leave, most employers don’t contribute to super. Even with paid leave, super isn’t always guaranteed. From 1 July 2025, the government will begin paying super on Commonwealth Parental Leave Pay—a major win for women—but gaps still exist. Knowing what you missed helps you plan what to rebuild.
   

2. Review Your Super Accounts

   Start by checking your current balance, past contributions, and insurance cover. If you have multiple accounts from previous jobs, consider consolidating them to reduce fees and simplify management. Many women discover forgotten accounts that can be merged for better growth and visibility.
   

3. Consider Salary Sacrifice

   Once you're back at work—even part-time—salary sacrificing a small portion of your pre-tax income into super can make a big difference. It’s tax-effective and helps rebuild your balance steadily. You can start with as little as $20–$50 per week and increase as your income grows.
   

4. Explore Spouse Contributions

   If your partner is earning, they may be able to contribute to your super while you’re rebuilding. This not only boosts your balance but may also offer them a tax offset. It’s a great way to share the load and invest in your shared future, especially during the early years of parenting.
   

5. Use Windfalls Wisely

   Bonuses, tax refunds, or even birthday money—consider directing a portion into your super as a non-concessional contribution. Every little bit helps, especially when compounded over time. It’s a simple way to turn short-term gains into long-term growth.
   

6. Seek Advice That Understands Your Life

   Your financial strategy should reflect your values, career stage, and family goals. A trusted adviser can help you navigate contribution caps, insurance, and long-term planning with clarity—not complexity. You deserve advice that sees the whole picture—not just the numbers.
   

How Prosper Financial Planning Supports You

At Prosper Financial Planning, we understand that maternity leave isn’t just a pause—it’s a pivot. We help women re-enter the workforce with financial strategies that honour your career, your caregiving role, and your retirement goals.

Whether you’re returning full-time, part-time, or exploring flexible work, we’ll guide you through superannuation decisions that rebuild your confidence and your balance. Because every woman deserves a future that feels secure, supported, and truly her own.

Ready to Take the Next Step?

Let’s talk about how to make your return to work a financial turning point. Whether it’s a conversation, a consultation, or a coffee—we’re here to help you move forward with clarity and confidence.

References:

• Australian Taxation Office – Superannuation on Parental Leave Pay

• UniSuper – Super on Paid Parental Leave

• HESTA – Superannuation Tips and Parental Leave

• Australian Public Service Commission – Superannuation and Maternity Leave

• Wealth Creation – Navigating the Super Gap: How Women Can Boost Their Superannuation After Maternity Leave