RETIREMENT might not be as comfortable for some locals with super account balances that fall well behind the state and national average.
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The average super account balance for Tamworth is $109,920, compared to the Australian average of $132,66, Association of Superannuation Funds of Australia data shows.
The closer people get to the coast or the city, the higher the superannuation, ASFA chief executive Martin Fahy said.
"Superannuation account balances are tied to income, so areas with a higher proportion of high income earners tend to have higher average superannuation account balances," he said.
"We see this in more affluent suburbs, in major cities, and in some 'sea change' or 'tree change' destinations."
An hour down the road, Walcha residents record the region's top super balances at about $154,565, followed by Armidale with $141,782.
Superannuation balances are affected by industry and occupation.
If an area has an above average amount of people working in public administration, education or health services the balances are likely to be higher than if most residents are employed in retail or transport.
Those who are self-employed more often than not have lower superannuation balances on average.
In regional areas like Tamworth, there's usually a higher number of self-employed people in the agriculture industry.
Gunnedah slightly beats Tamworth with an average super balance of $111,884.
One of the lowest earners are those in Baker's Creek near Gloucester, at just $68,207.
Couples who want to achieve a comfortable retirement need to spend about $61,061 every year and singles $43,255.
All Australians deserve to achieve a comfortable retirement, Dr Fahy said.
"Super has a crucial role to play in helping people achieve the standard of living in retirement that they want and deserve," he said.
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"Its favourable tax treatment makes it a very good way to save.
"Making extra contributions to your account, consolidating multiple accounts and checking whether your account balance is on track using one of ASFA's calculators are a few simple measures that can help set you on track."