Financial security and women

Clearinghouse Connector – November 2014

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Women’s financial security is influenced by labour market participation, pay equity, financial literacy and structural discrimination. It can be negatively impacted by having to work in casual or part-time employment, by having to take unpaid maternity leave, by not being adequately compensated for work performed at home with children or in other carer roles, and a superannuation system that penalises employees with lower incomes and multiple employers or multiple superannuation funds. There are various other gendered differences that make women’s financial security more tenuous, including the gender pay gap, retirement trends, and women’s life expectancy. Recent Government initiatives are a step toward increasing women’s ability to achieve financial security, but will require systemic and cultural change at many levels of financial engagement to ensure equity for women.


Women and financial security (Gender Impact Assessment) Women’s Health Victoria, 2008

Women and financial security [Factsheet] Women’s Health East, 2012

Women and finance : progress report to the G20 World Bank and Organisation for Economic Community Development (OECD). International Network on Financial Education (INFE), 2014

Financial literacy

Financial literacy : women understanding money Australia. Financial Literacy Foundation, 2008

Women’s financial literacy research report Women’s Information Referral Exchange (WIRE), 2007

Financial literacy among marginalised women Australia. Office for Women, 2007

Managing money : every woman’s business : a guide to increasing women’s financial capability Women’s Health In the North (WHIN), 2012

OECD/INFE policy guidance on addressing women’s and girls' needs for financial awareness and education Organisation for Economic Community Development (OECD). International Network on Financial Education (INFE), 2013

National financial literacy strategy 2014-17 Australian Securities and Investment Commission, 2014

Pay and superannuation

About pay equity [Webpage] Australia. Workplace Gender Equality Agency, 2013

What’s choice got to do with it? : women’s lifetime financial disadvantage and the superannuation gender pay gap The Australia Institute, 2013

Accumulating poverty? : women’s experiences of inequality over the lifecycle : an issues paper examining the gender gap in retirement savings Australian Human Rights Commission, 2009

Aboriginal and Torres Strait Islander women and superannuation National Aboriginal and Torres Strait Islander Women’s Alliance (NATSIWA), 2013

Effectively communicating superannuation and financial literacy messages to women during their different life-stages Australia. Office for Women, 2007

Life course and life events

Money matters in times of change : financial vulnerability through the life course Brotherhood of St. Laurence, 2011

Seeking Security : promoting women’s economic wellbeing following domestic violence Australian Domestic and Family Violence Clearinghouse, 2011

Financial capability after family violence : developing a mentoring response : a literature review Women’s Health Goulburn North East (WHGNE), 2013

Lifetime consequences to women informal carers in Australia, 2006 Australia. National Centre for Social and Economic Modelling (NATSEM), 2009

Young women and money : research report Women’s Information and Referral Exchange (WIRE), 2010

For love or money : intergenerational management of older Victorians' assets : Protecting Elders' Assets Study Monash University. Eastern Health Clinical School, 2011

Women’s voices from the floodplains : an economic gender lens on responses in disaster affected areas in Queensland and Victoria Economic Security 4 Women Inc., 2012

Economic abuse

Catalyst Paper 1 : an overview of economic abuse Good Shepherd Youth and Family Service and Kildonan UnitingCare, 2012

Catalyst Paper 4 : Financial capability and economic abuse Good Shepherd Family and Youth Service and Kildonan UnitingCare, 2012

Economic abuse : searching for solutions : Spotlight on Economic Abuse research report Good Shepherd Family and Youth Service, 2012

Relationship problems and money : women talk about financial abuse Women’s Information Referral Exchange (WIRE), 2014

Women’s health care

Gender differences in financial barriers to primary health care in New Zealand Journal of Primary Health Care, 2012

Out-of-pocket costs in Australian healthcare : Children By Choice submission to the Community Affairs References Committee Children By Choice, 2014

The social and economic benefits of women’s ability to determine whether and when to have children Guttmacher Institute, 2013

National cancer prevention policy : breast cancer : economic impact Cancer Council Australia, 2014

Downward spirals : disability and health costs as contributors to poverty and imagining ways forward Women With Disabilities Australia, 2010

Microfinance and financial services support

Many faces of saving : the social dimensions of Saver Plus Brotherhood of St. Laurence. Research and Policy Centre, 2011

Life changing loans at no interest : an outcomes evaluation of Good Shepherd Microfinance’s No Interest Loan Scheme (NILS) The Centre for Social Impact, 2014

I wish I’d known sooner : the impact of financial counselling on debt resolution and personal well-being Salvation Army Australia Southern Territory, 2012

Gender equality is smart economics : but it takes more than money and markets Gender Matters, 2014

Related websites

Women’s Health Victoria Economic abuse : the hidden cost of family violence [seminar proceedings]

WIRE Women’s Information Referral Exchange Money webpage

MoneySmart Women : you and your money

MoneySmart Life events : you and your money

Economic Security 4 Women

Organisation for Economic Community Development (OECD) Financial education and women

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