Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

Compare your super by age

Why choose us?

How does your super compare for your age?

Ever wondered whether your super balance is ahead, behind or on track for retirement?

In this episode of In the Hammock, David ‘Kochie’ Koch and Brighter Super expert Michelle Ceguerra unpack average and median super balances by age, how men and women compare, and why the numbers don't always tell the full story.

Discover how your super compares with Australian benchmarks, what you might need for a comfortable retirement, and practical ways to boost your savings – from salary sacrifice and extra contributions to reviewing your investments and downsizer contributions.

Whether you're in your 40s, 50s or approaching retirement, learn why it's never too late to take an interest in your super and make informed decisions towards a brighter retirement.

Watch to learn:

  • Am I behind on my super? Why comparing super balances can cause anxiety.
  • What do average super balances mean? Why averages are only a guide.
  • Median super balances by age. Comparing men's and women's super balances.
  • Why your super balance may be lower. The impact of career breaks and life choices.
  • Approximately how much super should you have at your age? ASFA benchmarks for a comfortable retirement.
  • What can you do if you're behind? Reviewing contributions, investments and insurance.
  • Why your 40s and 50s matter. Making the most of your earning years.
  • Before-tax and after-tax contributions. Salary sacrifice, contribution caps and the bring-forward rule.
  • Why small contributions add up. Building habits to grow your super.
  • Benefits of investing through super. Understanding the advantages of the super environment.
  • Are you in the right investment option? Understanding investments and risk profiles.
  • Is it too late to improve your super? Opportunities to boost super before retirement.
  • When can you afford to retire? How lifestyle and finances shape retirement timing.
  • Can you contribute after retirement? Returning to work and growing your super.
  • Practical steps to improve your super. Checking your account and exploring your options.
  • Where to get super and retirement support. Calculators, health checks and financial advice.

Presenters

kochie

David 'Kochie' Koch

Retirement Advocate

Michelle Ceguerra

Senior Manager,
Brighter Super

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In the Hammock

Welcome to In the Hammock, Brighter Super's podcast where we make superannuation, investing and retirement a whole lot simpler.

Join our Brighter Super experts and special guests for practical conversations that cut through the jargon and complexity, helping you understand your options, make informed decisions, and take the next step with confidence.

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Median super balance by age source: ATO’s Taxation Statistics 2023-24, released in June 2026 - ato.gov.au. Statistics include individuals with an account balance or current year contributions greater than zero.

Super balance required to reach a comfortable retirement by Age 67 source: ASFA Super Detective.

Contribution caps may depend on your circumstances and total super balance. Figures quoted are current for the 2026/27 financial year. Eligibility and conditions apply.

Downsizer super contributions cannot exceed the proceeds from the sale. The contribution counts towards the transfer balance cap and may affect Age Pension entitlements. Learn more about downsizer super contributions, rules and full eligibility at ato.gov.au

Investment returns are not guaranteed and your super can rise and fall in value. Tax treatment and any benefits depend on your circumstances. Money contributed to super generally cannot be accessed until applicable release conditions are met.

Consider your cover needs and the potential consequences before reducing or cancelling insurance.

Brighter Super Trustee (ABN 94 085 088 484) (AFSL 230511) (the Trustee) as trustee for Brighter Super (ABN 23 053 121 564) (RSE R1000160) (the Fund). Brighter Super may refer to the Trustee or the Fund as the context may be. Brighter Super products are issued by the Trustee on behalf of the Fund. The information contained is up to date at the time of publishing and may change. This podcast may contain general advice, which has been prepared without taking into account your individual objectives, financial situation or needs. Consider the appropriateness of the advice to your objectives, financial situation and needs before acting on the advice. Brighter Super representatives and partners are authorised to provide advice on Brighter Super products and superannuation in general. See our Financial Services Guide (FSG) for more information.

You should also obtain and consider the Product Disclosure Statement (PDS) before making any decision to acquire any product or contribute additional amounts to your Brighter Super account. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the PDSs and TMDs at https://brightersuper.com.au/pds.