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Picture Book · SMSF, family and later life

Sharing super with your partner

Story pages

A couple in their forties packing school lunches at a busy kitchen bench
Meet Nick and Leah. Leah took years off to raise their kids.
Two plant pots side by side
Their super balances are now very uneven.
A man pouring water from his watering can into a smaller can held by his wife
Many funds let Nick split up to 85% of last year's before-tax contributions to Leah.
A woman in her forties jogging along a riverside path in the morning
Leah generally needs to be under preservation age, or under 65 and not retired.
Two sturdy rowboats moored side by side at a jetty
Two balances can make better use of two caps later in life.
A couple in their forties smiling at each other over coffee at a cafe
They ask their fund how to apply after the year ends.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 29 October 2026. Sources:

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