Most financial advisors focus on the wrong thing; themselves. They talk about their qualifications, their passion, their attention to detail and how long they’ve been in the industry.

    To me, those are things that should be a given; not selling points.

    Instead, I like to focus on you so that you learn, understand and are excited about the plan for your financial future.

    After all, they are YOUR financial goals.

    Scroll down to learn more about how I help you achieve them.

Women and superannuation: Tips for success

 Women and superannuation: Tips for success

When it comes to super savings, women in Australia are likely to have significantly less than men. The average Australian woman retires with around half the balance of the average man. This is because women (still!) earn less than men for equivalent jobs and they’re more likely to have a career break to raise children.

Combine this with a longer life expectancy and women are less likely to have enough for a comfortable retirement. Very few women think their super will be enough for retirement, and unfortunately many women don’t know how much they’ll need for a comfortable retirement or are leaving this issue to their partners.

Superannuation is one of the most important and efficient investments you can make. It is concessionally taxed, has flexibility with insurance and can provide added incentives when you contribute money.

Acknowledging that wages for women are still generally less than those of men and that women are more likely to take time away from paid employment to raise their families, growing superannuation can seem almost impossible.

However, none of the above will matter as retirement draws nearer. So, regardless of age or circumstances, women need to understand superannuation and start contributing as soon as possible.

Here are some tips that may help the process:

1. Have one Superannuation Fund
Many women have worked for a number of different employers and can end up with relatively small amounts in a number of Superannuation Funds. Multiple Super accounts usually equals multiple fees. Consolidating your superannuation into one account will make it easier for you to track your retirement savings.

2. Find any lost Superannuation
If you have changed jobs a few times, or had short term work contracts, you may have Super accounts that you have forgotten or didn’t know about. You may have moved house and lost track of your superannuation. To search for lost Super visit www.unclaimedsuper.com.au or call the tax office on 13 10 20.

3. Use Salary Sacrifice into Superannuation
If you are currently working, you could talk to your employer about sacrificing some of your pre-tax income into Super. Salary sacrifice can have tax advantages as you may reduce the amount of income tax you pay. This is not for everyone so you should seek financial advice as to whether this would be beneficial to you.

4. Make Additional Contributions
If you have some spare cash, you may want to make after tax contributions to superannuation. Many of the superannuation funds have the option to set up a regular direct debit, Bpay or electronic funds transfer. Making additional contributions may give you access to the government co-contribution.

5. Government Co-Contribution
You may be eligible for a free boost to your superannuation. If you earn less than a specified amount and make a voluntary after-tax contribution to superannuation, the government could contribute up to $500 each financial year to your Super account. This is a great incentive and could give your superannuation a real boost. Of course, these figures may change with Government policy. To ensure you understand the conditions, seek financial advice.

6. Super Splitting
You may be able to share part of the Super contributions you or your partner make each financial year. Most funds now have Super splitting available.

7. Tax Deductions
Are you self-employed? That is, do you earn less than 10% of your income from an employer? If so, you may be eligible to claim a tax deduction for any voluntary Super contributions you make. Be careful as contribution limits do apply.

8. Check your insurance
You may be surprised to find that you have Death and Total and Permanent Disability insurance through your superannuation fund. Some superannuation policies also offer Income Protection insurance. This is often a cost-effective way to structure your insurances. Insurance is a vital part of your financial security and you should make sure you have enough cover to protect you and your family. Again, this is not relevant for everyone so you should seek financial advice as to whether this would be beneficial to you.

9. Choose your Super Fund
Many of us do not make an active investment selection for our superannuation entitlements. Most people do have choice and you should make sure you are comfortable with how your retirement savings are invested. Do your research or seek advice.

10. Seek advice
There is a common theme. Research your fund and make informed choices when it comes to superannuation as this can make a real difference come retirement time. The internet has many great websites if you would like to do your own research.

Why not schedule a meeting with your financial adviser now?

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

What our clients say

  • My dealings with Zuraida in regard to financial advice date back to 1988 when I took a voluntary “redundancy package” from my then employer.

    Over the ensuing years, Zuraida has provided me with ongoing financial advice relating to my superannuation funds up to my retirement in 2001.

    Zuraida also assisted me in setting up my Allocated Pension following my retirement, which now provides me with my retirement income. She also assisted my wife with setting up an Allocated Pension of her own.

    In all the years of my association with Zuraida, I have found her to be honest, knowlegable, and effective in assisting me with financial and investment matters.

    I have no hesitation in recommending Zuraida to anyone who needs financial planning assistance no matter what stage of life they are at.

    Merric & Sue

    Merric & Sue

  • We knew deep down that we needed financial help as all we seemed to be doing was spending money without having anything at the end to show for all our hard work.

    Yet we put off seeing a financial planner because we didn’t want to give up on our lifestyle and fun holidays. We also thought that it would be like speaking to our parents about money; just being told to “Save and stop spending on unnecessary items”.

    We didn’t really have clear financial goals, just a few dreams of what we wanted to do as we grew older. Yet, when we met with Zuraida, she just understood us.

    We never thought that taking a year off from our regular jobs to travel, live and work overseas was possible. Zuraida, however, found a way while also ensuring we still have a solid financial future.

    Kelli and Penny

    Kelli and Penny

  • We have been consulting with Zuraida for the past 5 years. From our first meeting with her, we were impressed by her friendly yet professional and detailed approach.

    We felt supported and guided by Zuraida’s approach of helping us chart our dreams and aspirations.

    We feel secure knowing that our money is in a good place and doing its work for us.

    Having constant feedback, following periodic reviews which are really inspiring means that we can now focus on the things that we enjoy and not worry about our financial situation.

    In fact we have already seen our income grow and bear fruit and are confident that we are on track to achieve our goals.... thanks to Zuraida.

    Jaya and Mary

    Jaya and Mary

  • I feel much more reassured about the future knowing that, thanks to Zuraida and Rhonda, I now have a plan to make my money work for me and if all goes according to that plan, I should be able to retire comfortably. It's a surprising weight off my shoulders.

    I look forward to working with you both to bring the plan to fruition.



  • The greatest value we get by working with Zuraida Ariffin Wealth Creation is having a written strategic plan to help us achieve our goals. We have honed our attitudes on managing money and we have clarity on how to get what we desire financially and non-financially.

    Zuraida has taken the load off our shoulders and made the ‘invisible’ visible for us – our progress is tracked in real time to give us the confidence that we are headed in the right direction.

    Zuraida is well-qualified, experienced and trustworthy which is an important attribute for someone looking after our financial future.

    Adrian and Lisa

    Adrian and Lisa

Our Services

Cash flow Management

Cash flow Management

It's not about how much you earn but what you do with it.

Debt Reduction

Debt Reduction

I help reduce your debt and save money instead.



My tailored modelling helps you diversify your investments. I recommend investments that suit your objectives and your tolerance to risk.

Personal Risk Protection

Personal Risk Protection

I ensure you have vital financial protection in the event of sickness or accident.

Self Managed Super Funds

Self Managed Super Funds

I help you take control of your super to achieve your financial goals.

Retirement Planning

Retirement Planning

Financial freedom is the goal. I help you realise the retirement you’ve always dreamed about.

My Difference: Real-Time, Monthly Data

  • Regardless of what services help you achieve your financial goals, it is important to track your progress closely and regularly. Many financial advisers will provide a financial plan but few have the capability to report your progress in real-time.

    One of the things that makes me different to other financial advisors is that I can provide you with real-time data on a monthly basis so that you can compare your progress against your written plan.

    Every month, I provide you with a report that compares, with precision, your current balances e.g home loan, investments, etc, against the corresponding projected targets you want to achieve.

    Why not experience the difference?

    Contact me

What to look for in a Financial Planner

  • There are five key things that you should look for in a financial planner are:

    1. rapport;
    2. testimonials;
    3. licence;
    4. membership; and
    5. certification.

    Find out about why I think these are important to you when choosing a financial advisor.

    Learn more

zuraida logo small