the facts about women and super

Knowledge is power

Women in Super (WIS) believe in shining a spotlight on the inequality of our super system to create much needed change. Primarily driven by super policy reform, a core objective of WIS is to increase the retirement adequacy of Australian women.

This is an audacious task, but one that WIS is tackling head-on. Progress can only be achieved when people understand a problem, pledge their support to a solution and take action to change it.

We encourage you to learn more about the facts of our super system, so, like thousands of others around Australia, you can help us to be an agent for positive change.

Women and super - why the numbers don't stack up

  • Women retire with 24% less super than their male counterparts.(1)
  • As we begin to see the effects of COVID-19 Early Release on the super balances of Australians, we are expecting to see the gap widen, with almost 500,000(2) Australians totally emptying their super accounts leading the an impact at retirement of up to $95,696..(3)
  • Women only receive 1/3 of the government tax concessions on super (men receive the other 2/3).(4)
  • Australian women live on average 4 years longer than men, and with their lower super balances, they run out of super much earlier.(5)
Quick stats
  • 34% of single Australian women over 60 live in income poverty (compared to 27% of men). (6)
  • Women comprise of 47.4% of the workforce. (7)
  • Latest Census data reported the number of women over 55 experiencing homelessness increased by 31% over the five years prior. (8)
  • Based on full time earnings, Australian women earn 14.1% less and form 67% of part time workers, pushing the pay gap even further. (9)
  • Female graduates’ starting salaries are 4.9% lower, widening to a gap of 15.8% three years after graduation. (10)
  • Almost twice as many women spend more than five hours a day caring for children than men. (11)
  • 59% of those accessing homeless services are women. (12)

Strategies to improve your retirement outcomes

  • Build savings early: making voluntary contributions early in your working life will make a big difference at retirement thanks to compounding interest.
  • Choose your super wisely: preferably have only one super fund as having multiple accounts means it is hard to keep track of how much super you have, and you'll probably be paying more fees than you should.
  • Get advice: contact your fund for advice about your super and ask questions and seek clarification if you don't understand.
  • Advocate: get involved and help us advocate for legislative change to benefit all women. 

Useful links

If you want to learn more about what to do about your super, check out some of the following websites:




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