In the midst of separation, it is easy to focus on visible assets such as the house, the car or other investments.
But superannuation is often one of the most valuable and overlooked assets in a divorce. Why? Because you often can’t access it straight away.
It’s not tangible like cash in the bank or a roof over your head. But super isn’t just a number on a statement. It is your future income, your financial freedom and your peace of mind. What feels distant today becomes vital tomorrow.
Many people, especially women, walk away with minimal or no super, thinking they have secured the ‘safe’ asset by keeping the home. But years later, they face a retirement without stability, choice or confidence.
Superannuation is part of the marital asset pool under Australian law, even if it’s only in one person’s name. A fair split ensures that both parties can retire with dignity.
One of the most powerful financial steps you can take post-divorce is to rebuild your super. Even small, regular contributions, combined with time, can make a significant difference.
Don’t assume super isn’t worth negotiating just because you can’t use it right now. It is part of the life you built together and it could be the foundation of your financial future.
Mandy Newman, Director, AJN Financial, 15/13 Poinciana Avenue, Tewantin, 5430 6631, ajnfinancial.com.au
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