Super Smart Super
Clarity and Confidence for Your Future
For many women in their 40s, career success has been achieved through dedication and resilience — yet confidence in superannuation remains low. Due to career breaks, part-time roles, or caring responsibilities, women’s super balances are often less than those of men.
The key is to take charge now. Your super grows not just from employer contributions (currently 12%), but also from personal contributions and investment earnings. Adding even small amounts consistently can make a significant difference over time, thanks to the compounding effect of growth.
Tax concessions also work in your favour. Concessional contributions are taxed at 15% (or 30% if earning over $250,000), far lower than personal income tax. That means more of your money is working for you.
Take time to review your fund’s fees, investment options, and insurance cover. Demystifying these areas empowers you to build wealth strategically.
Demystifying superannuation and growing your wealth is about more than money — it’s about independence, choice, and peace of mind. If you’d like tailored strategies for your situation, a financial adviser can help translate knowledge into practical steps for your future.
