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# eairwoman

Empowerment | Agency | Investment | Retirement

## Sitemaps

- [XML Sitemap](https://eairwoman.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://eairwoman.com/posts/)
- [Retirement Planning for Women: How Pregnancy Leave and the Superannuation Gender Gap Shape Your Future](https://eairwoman.com/retirement-planning-for-women-pregnancy-leave-superannuation-gender-gap/) - Retirement planning for women is often influenced by life stages that can affect income, career progression, and long-term savings. Pregnancy leave, parental leave, and time spent away from the workforce are all common experiences for many Australian women, but they can also have a lasting impact on retirement outcomes.The superannuation gender gap is not caused
- [Smart Ways to Save and Make Money During Maternity Leave](https://eairwoman.com/smart-ways-to-save-and-make-money-during-maternity-leave/) - Learn smart ways to make money on maternity leave and save more. Discover flexible income ideas to support your finances during parental leave.
- [The Gender Pay Gap in Australia: Causes and Calculations](https://eairwoman.com/the-gender-pay-gap-in-australia-causes-and-calculations/) - Understand the gender pay gap in Australia. Discover why it exists, key contributing factors, and what can be done to close the pay disparity.
- [How Paid Parental Leave and Maternity Leave Influence the Superannuation Gender Gap in Australia](https://eairwoman.com/paid-parental-leave-maternity-leave-superannuation-gender-gap-australia/) - See how maternity leave and paid parental leave affect the superannuation gender gap in Australia and women’s long-term retirement savings.
- [Understanding Maternity Leave Duration in Australia - What You Need to Know](https://eairwoman.com/understanding-maternity-leave-duration-in-australia-what-you-need-to-know/) - Learn how maternity leave works in Australia, including leave length, pay, eligibility, and what to consider when planning your finances.
- [The Hidden Cost of the Gender Pay Gap in Australia: Why Women Retire with Less](https://eairwoman.com/gender-pay-gap-australia-retirement-women/) - Why do women retire with less in Australia? Learn how the gender pay gap impacts super financial security.
- [Financial Jargon - Part 1](https://eairwoman.com/financial-jargon-part-1/) - When it comes to retirement planning there are a lot of terms and concepts that can be confusing. In this series we’ll help demystify some of the key terms you need to know.Admin fees: These are the fees charged by the administrator of your superannuation fund. They can vary depending on the fund. It’s important
- [Choosing a Super Fund - Part 2: Investment Options and Risk](https://eairwoman.com/choosing-a-super-fund-part-2-investment-options-and-risk/) - When it comes to choosing the right superannuation fund for you, it’s important to understand your risk appetite. Do you want a low-risk investment option, or are you willing to take on more risk for the potential of higher returns?Generally speaking, there are three main risk levels when it comes to superannuation funds: low risk,
- [Super Basics - Part 1: Introduction](https://eairwoman.com/super-basics-part-1-introduction/) - The most important thing you can do to ensure a comfortable retirement is to start saving early and often. One of the best ways to do this is through superannuation.Superannuation is a long-term savings plan that is designed to help you build up a nest egg to live on in retirement. Your employer is required
- [How Much Super Will I Need - Part 1: The ASFA Retirement Standard](https://eairwoman.com/how-much-super-will-i-need-part-1-the-asfa-retirement-standard/) - If you’re like most people, you probably don’t think much about retirement until you’re nearing the end of your working life. But whether you’re years or months away from retirement, it’s never too early to start thinking about how you’ll support yourself during those golden years.One of the best ways to ensure a comfortable retirement
- [Choosing a Super Fund - Part 1: Different Types of Funds](https://eairwoman.com/choosing-a-super-fund-part-1-different-types-of-funds/) - There are various types of superannuation funds in Australia. As each type of fund has its own benefits and drawbacks, it’s important to do your research before deciding which one is right for you.The five main types of superannuation funds in Australia are industry funds, retail funds, corporate funds, public sector funds and Self Managed
- [How Much Super Will I Need - Part 2: The Effects of Inflation on you Super Balance](https://eairwoman.com/how-much-super-will-i-need-part-2-the-effects-of-inflation-on-you-super-balance/) - Inflation eats away at your retirement money every single day, of every week, of every year!Therefore, it’s important to invest your money to offset the reduction of your spending power by inflation.What is inflation?Inflation is the rate at which prices for goods and services rise over time. In other words, inflation reduces the purchasing power
- [Building Your Super - Part 2: Voluntary Contributions](https://eairwoman.com/building-your-super-part-2-voluntary-contributions/) - When you choose to add your own money to your super fund, these are known as voluntary contributions. Over time these voluntary contributions can make a significant difference to your final super balance.Salary Sacrifice:This is when you make contributions from your gross salary. That is, contributions taken out of your salary before tax. The advantage
- [Building Your Super - Part 1: Employer Contributions](https://eairwoman.com/building-your-super-part-1-employer-contributions/) - If you’re an employee working in Australia, your employer is generally required to make super contributions on your behalf. This is called the Superannuation Guarantee (SG). These employer super contributions are a percentage of your before-tax salary and are paid into your super fund.The contributions are in addition to any salary or wages you earn
- [Why Is Saving for Retirement Important? A Practical Guide to Financial Security in Australia](https://eairwoman.com/why-saving-for-retirement-is-important-women-australia/) - Saving for retirement is important. Learn how to create super career patterns and plan financial security.
- [How to Set (and Actually Reach) Financial Goals in 2026](https://eairwoman.com/financial-planning-for-women-2026/) - Struggling to stick to financial goals? Learn how Australian women can plan smarter in 2026.
- [How Does Maternity Leave Work in Australia? Eligibility, Payments, and Centrelink](https://eairwoman.com/how-does-maternity-leave-work-in-australia-eligibility-payments-and-centrelink/) - Learn how maternity leave works in Australia, including eligibility, payments, and monetary planning tips.
- [Getting Back into Work After Maternity Leave: A Financial Checklist ](https://eairwoman.com/getting-back-into-work-after-maternity-leave-a-financial-checklist/) - A practical financial checklist to help women plan a confident return to work after maternity leave, from budgeting to super and childcare support.
- [What Happens to Your Super When You Change Jobs? ](https://eairwoman.com/what-happens-to-your-super-when-you-change-jobs/) - Changing jobs? Understand how your super moves with you, how to consolidate, and what to review when starting a new role.
- [Money and Divorce: What Women Need to Know About Super Splitting](https://eairwoman.com/money-and-divorce-what-women-need-to-know-about-super-splitting/) - Learn how superannuation is divided during divorce, how super splitting works, and what women need to know to protect their long-term finances.
- [How to Talk to Your Employer About Flexible Work (and Why It Matters for Your Super)](https://eairwoman.com/how-to-talk-to-your-employer-about-flexible-work-and-why-it-matters-for-your-super/) - Flexible work can ease the mental load and protect your super. Learn how to approach your employer—and why it matters for your financial future.
- [Can I Access My Super Early? What Women Need to Know](https://eairwoman.com/can-i-access-my-super-early-what-women-need-to-know/) - Find out how Australian women can access super early. Learn eligibility, tax rules, and how it could impact your long-term financial wellbeing.
- [The History of Women’s Right to Work in Australia](https://eairwoman.com/the-history-of-womens-right-to-work-in-australia/) - From discrimination to progress, explore the major milestones in the history of Australian women’s right to work and the fight for workplace equality.
- [Support for Maternity Leave: What to Say and Child Care Subsidies Available](https://eairwoman.com/support-for-maternity-leave-what-to-say-and-child-care-subsidies-available/) - Learn what to say to someone going on maternity leave and whether you can access child care subsidies while on leave. Get practical tips and clear answers.
- [Planning Your Maternity Leave: How Early Can You Start?](https://eairwoman.com/planning-your-maternity-leave-how-early-can-you-start/) - Planning maternity leave? Learn how early you can start, what to consider, and how the eairwoman app helps you prepare with clarity and confidence.
- [Women in the Workforce - Statistics and Trends in Australia](https://eairwoman.com/women-in-the-workforce-statistics-and-trends-in-australia/) - Explore the latest stats on women in Australia’s workforce, from participation rates to representation in key industries, with insights from official data.
- [Super Basics - Part 4: Investments](https://eairwoman.com/super-basics-part-4-investments/) - When it comes to superannuation, there are a range of investment options available. From low-risk options such as cash and fixed income, to higher-risk options such as shares and property. Most super funds allow you to choose between ‘Pre Mixed’ investment options. The default option typically being ‘Balanced’ which invests across a range of investment assets,
- [Building Your Super - Part 4: Claiming Lost Super](https://eairwoman.com/building-your-super-part-4-claiming-lost-super/) - Did you know there is literally billions of dollars currently sitting in uncontactable or inactive super accounts? You may have one of them!Lost super can occur because benefits are not transferred when people change jobs. Your super isn’t automatically transferred to your new fund – you have to do it yourself.Have you changed your name,
- [How Much Super Will I Need - Part 3: Changes in Expenses After Retirement](https://eairwoman.com/how-much-super-will-i-need-part-3-changes-in-expenses-after-retirement/) - As we approach retirement, many of us are looking forward to a time when we can finally relax and enjoy life. However, it’s important to be aware that our expenses may change after retirement.For some of us, our expenses will actually go down after retirement. This is because we no longer have to worry about
- [How Much Super Will I Need - Part 5: Gift Giving and Holidays After Retirement](https://eairwoman.com/how-much-super-will-i-need-part-5-gift-giving-and-holidays-after-retirement/) - Giving gifts and travelling are two of the many joys that come with retirement. For some, retirement is a time to finally relax and enjoy a well-deserved break from the grind of work. For others, it’s an opportunity to pursue new hobbies and interests. No matter how you choose to spend your retirement, there’s no
- [How Much Super Will I Need - Part 4: Saving on Household Expenses After Retirement](https://eairwoman.com/how-much-super-will-i-need-part-4-saving-on-household-expenses-after-retirement/) - If you’re like most people, you’re probably looking for ways to save money on household expenses after retirement. Here are a few changes you can make to your home and household expenses post retirement that can help you stay within your budget.One way to save money on household expenses is to downsize your home. If
- [Choosing a Super Fund - Part 5: Insurance Benefits Inside Super Funds](https://eairwoman.com/choosing-a-super-fund-part-5-insurance-benefits-inside-super-funds/) - Your super fund is there to help you save for retirement. But did you know that most super funds also offer insurance? Insurance can give you and your family peace of mind, knowing that you’re covered financially if something happens to you.There are a number of different types of insurance that can be included in
- [Super Basics - Part 6: How can you make the most of your superannuation?](https://eairwoman.com/super-basics-part-6-how-can-you-make-the-most-of-your-superannuation/) - There are a number of things you can do to maximise your superannuation. One is to make sure you are being paid the Super Guarantee. This is the minimum amount your employer must contribute to your super fund. You should speak to your employer if you are not being paid the Super Guarantee. You can also make
- [Financial Jargon - Part 4](https://eairwoman.com/financial-jargon-part-4/) - When it comes to retirement planning, there are a lot of terms and concepts that can be confusing. In this series, we’ll help demystify some of the key terms you need to know.Rollover: This is when you move move your superannuation from one fund to another. This could be to cosolidate your super into the
- [Christmas on a Budget - A Financial Guide for Women](https://eairwoman.com/christmas-on-a-budget-a-financial-guide-for-women/) - Here's your in-depth guide to budgeting this Christmas. From planning ahead, making DIY gifts, to organising picnics or potlucks, let's help you stay on track.
- [Super Basics - Part 5: When can you access your superannuation?](https://eairwoman.com/super-basics-part-5-when-can-you-access-your-superannuation/) - In Australia, superannuation is a long-term savings plan to help you financially in retirement. You can start paying into your super from the day you start work. In most cases, your employer will pay money into your super account (called the Superannuation Guarantee).The money in your super account can’t be accessed until you reach what’s
- [Financial Planning for Women](https://eairwoman.com/financial-planning-for-women/) - Discover practical financial planning strategies tailored for women. Take control of your future and start your journey toward financial security today. Contact us.
- [Women’s Retirement Age Calculator](https://eairwoman.com/womens-retirement-age-calculator/) - Plan Your Retirement with Confidence Retirement is one of life’s most significant milestones, but planning for it can feel overwhelming. When will you be ready to retire?How much will you need? The answers depend on your unique financial situation, goals, and lifestyle. That’s where our Retirement Age Calculator comes in. On the eairwoman app, our calculator
- [Why is it So Hard to Save for Retirement?](https://eairwoman.com/why-is-it-so-hard-to-save-for-retirement/) - Struggling to save for retirement? Learn why it’s so challenging, how financial avoidance holds women back, and how the eairwoman app can help secure your future.
- [Women and Retirement - Part 4: Planning for Healthcare Costs in Retirement](https://eairwoman.com/women-and-retirement-part-4-planning-for-healthcare-costs-in-retirement/) - Retirement planning is not just about money. It’s also important to consider your health and wellbeing in retirement. This includes making sure you have adequate insurance cover, as well as planning for activities and hobbies that will keep you physically and mentally active.Planning for healthcare costs in retirement is an important part of financial planning
- [Choosing a Super Fund - Part 6: How to Compare Superannuation Funds](https://eairwoman.com/choosing-a-super-fund-part-6-how-to-compare-superannuation-funds/) - Why compare superannuation funds?It is important to find a fund that best suits your individual needs and circumstances.Different funds have different fees and charges which can impact your retirement savings.Comparing super funds can help you to find the best performing fund for your needs.How do you compare super funds?There are a number of ways to
- [Choosing a Super Fund - Part 4: Low Fee Versus High Fee Funds](https://eairwoman.com/choosing-a-super-fund-part-4-low-fee-versus-high-fee-funds/) - If you’re like most people, you probably don’t think too much about your super fund. But did you know that the fees you’re paying can have a big impact on your retirement savings?Let’s say, for example, that you have $100,000 in your super fund. If your fund charges fees of 2% per year, then you’ll
- [Building Your Super - Part 3: Consolidating your Super](https://eairwoman.com/building-your-super-part-3-consolidating-your-super/) - If you currently hold more than one super fund, there can be significant benefits to consolidating those multiple accounts into a single account.One of the main benefits of consolidating your super funds is that you can save on fees. When you have multiple super funds, you may be paying multiple sets of fees. By consolidating
- [Choosing a Super Fund - Part 3: Super Fund Performance](https://eairwoman.com/choosing-a-super-fund-part-3-super-fund-performance/) - Fund performance is typically measured by looking at the fund’s total return, which is the fund’s percentage gain or loss over a certain period of time, typically one year.When it comes to choosing a super fund, performance is definitely an important consideration.Super funds are required to disclose their investment performance annually. This information can be
- [Financial Jargon - Part 3](https://eairwoman.com/financial-jargon-part-3/) - When it comes to retirement planning, there are a lot of terms and concepts that can be confusing. In this series, we’ll help demystify some of the key terms you need to know.MySuper: MySuper is an Australian government initiative that aims to provide Australians with a simple and low-cost way to invest their super. It’s
- [Women and Retirement - Part 3: Investing for Retirement](https://eairwoman.com/women-and-retirement-part-3-investing-for-retirement/) - What are the best strategies for women?When it comes to retirement planning, women often face unique challenges. They tend to live longer than men, which means their retirement savings need to last longer. They also tend to take career breaks to care for children or elderly parents, which can put a dent in their superannuation
- [Super Basics - Part 2: What is superannuation?](https://eairwoman.com/super-basics-part-2-what-is-superannuation/) - Superannuation is a system in Australia that provides for retirement savings. The mainstay of the system is the Superannuation Guarantee (SG), which is the minimum amount that employers must contribute to their employees’ superannuation. However, employees can also make voluntary contributions to their super. The current Super Guarantee rate is 9.5% of salary. This rate
- [Financial Jargon - Part 2](https://eairwoman.com/financial-jargon-part-2/) - When it comes to retirement planning, there are a lot of terms and concepts that can be confusing. In this series, we’ll help demystify some of the key terms you need to know.Industry fund: An industry fund is a type of superannuation fund that is run by a particular industry, such as healthcare or manufacturing.
- [Women and Retirement - Part 2: The Gender Pay Gap](https://eairwoman.com/women-and-retirement-blog-series-the-gender-pay-gap/) - How to overcome the gender pay gap and save for retirement?There’s no one answer to the question of how to overcome the gender pay gap and save for retirement. But there are a few key steps that can make a big difference.For starters, it’s important to understand the gender pay gap and how it affects
- [Women and Retirement - Part 1: Introduction](https://eairwoman.com/planning-retirement-for-women/) - More than 80% of women in Australia will not have enough saved to fund a ‘comfortable lifestyle’ at retirement. Women on average will retire with $70,000 less than men. Half of all women aged 45 to 59 currently have less than $8,000 in their super funds. The average superannuation payout for women is roughly a
- [Employment Requirements for Maternity Leave in Australia](https://eairwoman.com/employment-requirements-for-maternity-leave-in-australia/) - Learn the employment rules for accessing maternity leave in Australia, including work duration, eligibility, and paid parental leave requirements.
- [Smart Money Moves: Investing Tips for Women in 2024](https://eairwoman.com/smart-money-moves-investing-tips-for-women-in-2024/) - Every woman deserves financial freedom. Learn how you can maximise your money with our investing tips for women and how eairwoman can help you stay on track.
- [Super Basics - Part 3: How much superannuation do you need?](https://eairwoman.com/super-basics-part-3-how-much-superannuation-do-you-need/) - Your super is there to help you live a comfortable retirement. The government guarantee (known as the Superannuation Guarantee) means that your employer must make regular contributions to your super account – currently, they must contribute 10.5% of your salary.You can also make your own contributions, and many people do. After all, the more you

## Pages

- [New Home page](https://eairwoman.com/) - Discover expert guidance for women in Australia on maternity, career advancement, retirement planning, superannuation, and financial security with EairWoman.
- [Retirement Planning for Women](https://eairwoman.com/retirement-planning-for-women/) - Discover essential retirement planning tips for women in Australia. Understand superannuation, savings strategies, and how to secure your financial future
- [Women and Superannuation: Closing the Superannuation Gender Gap](https://eairwoman.com/superannuation-gender-gap/) - Explore the superannuation gender gap and its impact on women in Australia. Learn how to boost your retirement savings and close the gap.
- [eairwoman means ...](https://eairwoman.com/empowerment-advocacy-investment-retirement/) - Discover how EairWoman supports women through empowerment, advocacy, and smart investment planning to build a secure and confident retirement future.
- [FAQ and Support](https://eairwoman.com/faq/) - Frequently Asked Questions How can I download the app? You can download the eairwoman app for your iPhone or iPad by following the ‘Download App’ link. Is the app available for Android? The eairwoman app is currently only available for ios devices and specifically optimised for an iPhone. You can also download the eairwoman app

## Categories

- [Beginner](https://eairwoman.com/category/beginner/)
- [Intermediate](https://eairwoman.com/category/intermediate/)
- [Advanced](https://eairwoman.com/category/advanced/)
- [Retirement planning for Women](https://eairwoman.com/category/retirement-planning-for-women/)
- [Investment planning for Women](https://eairwoman.com/category/investment-planning-for-women/)
- [Superannuation for Women](https://eairwoman.com/category/superannuation-for-women/)
- [Maternity leave](https://eairwoman.com/category/maternity-leave/)