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How to invest when on extended leave or while working part-time?

(iStockphoto) FABpentPic-040116-iStock Business woman is going up. Drawn skyscrapers on black chalk board as a growing bar chart and rocketing red arrow.

I want to share my Super Strategy which has definitely worked better than investing in Super from an early age. Young women taking time off work to raise a family should be particularly cautious about over-investing in their superannuation.

"Since every superannuation dollar taxed at 15 percent, from a tax point of view you’re better off investing any spare money in your own name rather than in super. You can earn up to $20,000 in investment income and not pay any tax."

For most women taking extended leave from the workforce or working part-time, this approach can be particularly beneficial. 

That invested money is obviously then accessible if they need to dip into their own savings when they have reduced work income, and might be raising children.

"Generally, their income is at such a low level [at this life stage] there’s no real benefit from putting money into superannuation in any case."

Rather, female clients looking to invest and get ahead they should look no further than their own backyard – particularly in this low-interest rate environment.

"Don’t even bother about any other strategy if your mortgage is above 50 percent of the home value – just concentrate on getting the mortgage down. To read more such insights follow us and read our blogs at