Main region

How women can plan to win financially

Updated on 7 March 2022

4 minute read

Compared to Australian men, Australian women are less likely to have a sound plan for long-term financial goals, a new survey shows1.

woman at train station

What does the research show?

Recent research commissioned by ART shows that women (55%) are less likely to have developed a sound plan to achieve long-term financial goals than men (66%).

The survey also showed that “compared to Australian men, Australian women (49%) are more likely than men (40%) to experience short-term financial worries, like meeting monthly expenses”.

But understanding what you may be able to do about your financial circumstances, can help you improve your financial wellbeing through planning and help you feel confident about your money today and for your future.

Most likely your financial needs will change as you go through life. So we’ve put together some tips and resources, specifically about superannuation, that might prove helpful along the way.

Financial considerations through life

  • Starting work

    Whether you’re just getting started in your first job or taking on a new role, it's helpful to have a basic understanding of super. Learn more about how super works. If it’s a new role with higher pay, you might consider trying to grow you super through extra contributions.

  • Relationship finances

    If you’re in a relationship or looking to take a career break, you might also be interested to learn about how your spouse can contribute to your super.

  • Buying a home

    Should you get into a position where you’re considering buying a home, you may be able to use eligible superannuation savings for a house deposit. Learn more about the First Home Super Saving Scheme.

  • Relationship breakdown

    It’s an unfortunate fact of life but separation and divorce happen. If you are going through a relationship break up, it’s important to understand how superannuation is treated in a financial settlement.

  • Protecting you and your loved ones

    Life does not always go to plan, so having the right insurance cover for your needs can help you feel prepared and protected. Stay on top of insurance options through your super and the insurance you’re paying for. Do you have the right insurance?

  • Retirement

    If you want to scale back from work but still continue to grow your super, you might consider a transition-to-retirement strategy. Here’s how to plan for retirement.

Start your plan

It’s never too early to have a plan to take control of your finances.

Personal advice on your Super Savings account could help you get on track so you can truly live well in retirement.

Book an appointment or find out more about our financial advice options.

Top 10 benefits of superannuation for saving money

Super is a powerful tool for building financial security. But are you using all the benefits of super to your advantage? Here we give you 10 ways to unlock your super's full potential as one of the best ways to save money for your future.

5 min read

Budgeting tips

A budget is a financial plan that helps you manage your money. Learn how to create a budget that sets you up for success this year.

4 min read

Can I use my super to buy a house?

Saving for a deposit on your first home can be tough. But a government program may help you save faster through your super account. Check if you're eligible.

6 min read

1. Survey of 1000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust, September-November 2023.