We’ve introduced more flexible investment options

Last year, we consulted our members’ financial advisers to understand how we could work together to support members in achieving a quality retirement.

Based on this feedback, we are enhancing our products and services to ensure we continue to meet member and adviser needs. On 11 June 2026, we introduced the first of our planned initiatives – more flexible investment options across our super and retirement accounts.

What has changed?

Previously, West State Super and GESB Super members were only able to invest in one Readymade investment plan or in Mix Your plan asset classes. RI Allocated Pension and RI Term Allocated Pension members could invest in the Cash plan plus one other Readymade plan or in the Mix Your plan option.

On 11 June, we removed these restrictions, allowing members to hold multiple investment options in any combination.

We also changed the names of some of our plans. Readymade plans have been renamed to Diversified options, and Mix Your plans are now called Asset Class options.

For example, a member may now choose to invest their funds in the following manner:

• 30% within the Balanced option
• 30% within the Growth option
• 20% within Australian Shares
• 20% within International Shares

Removal of 5% increment restrictions

Members can now select investment options in 1% increments, instead of the previous 5%. Their chosen options still need to add up to 100%.

Automatic rebalancing

Automatic rebalancing was previously only available for GESB Super and West State Super members in Mix Your plan options (now known as Asset Class options).

Now, automatic rebalancing can be used with any combination of investment options and has been introduced for RI Pension members.

This means a member can choose to automatically rebalance their investment mix to keep their preferred asset allocation.

For example, if the Australian Shares component of their super outperforms other asset classes, their asset allocation will increasingly be weighted to Australian Shares over time.

Automatic rebalancing makes sure the percentage held in each asset class stays the same over time. Members can choose to rebalance their investment mix quarterly, half-yearly or yearly.

How can members change their investment option?

Our members can make an investment switch by:

• Logging in to their Member Online account
• Completing an Investment choice form for their account and sending it to us

Any changes to a member’s investment mix will apply to their current account balance and future contributions.