FAQs

Each time you receive a regular payment or a one-off lump sum withdrawal from your RI Allocated Pension account, your balance will be reduced.

You will keep receiving payments until there is no money left in your account. How long this income will last depends on:

• How much you initially invest
• The ...

Yes. If you opt in within 90 days of us receiving your employer’s first Superannuation Guarantee (SG) contribution, you may be eligible for basic cover. If you apply after 90 days, or if you apply for a higher level of cover...

Your super may be considered lost if it fits the definition of uncontactable or inactive.

This means:

• Uncontactable - you have never provided a contact address, or your recorded contact details have become invalid (for this to happen, we must receive two pieces of returned mail and/or a returned email for the...

Yes. As unit prices change daily, you can see the unit price history of your investment plan, or any of our other plans, on our unit price page. You can also call us on 13 43 72 for unit pricing information or find step-by-step instructions on

An after-tax personal contribution is one you make yourself, separate to the 11% Superannuation Guarantee (SG) contributions your employer pays into your super account.

You can make after-tax personal contributions by:

• Adding to your super from your take-home salary
• Using lump-sum amounts such as inheritance, lottery winnings or money from selling an asset

Making...

Most super funds are 'taxed' funds, which means the tax is paid up front, except for a few public sector funds, which are ‘untaxed.’

Untaxed does not mean no tax applies, but instead tax is charged when your benefit is paid or rolled over to a taxed scheme.

Gold State Super, West...

Investing in equities provides investors with ownership and, in most cases, voting rights. We request our external investment managers to vote on resolutions applicable to the securities they manage on our behalf, in line with our goals and responsibilities. Our investment managers engage with company management on a range...

The WA Public Sector Pension Scheme was the WA Government’s original super scheme, and has been closed to new members since 15 August 1986.

This is an untaxed defined benefit pension scheme, which provides a lifetime indexed pension for retired members and their spouses.

For more information about your WA Public Sector...

Your super is designed to help you save for retirement and has tax benefits, so there are rules about when you can access the money.

Your 'Commonwealth preservation age' is the minimum age you can access your super. Until you reach this age and have retired, you can’t access your super...

We report on plan performance for the past month, one year, three years, five years and 10 years.

As the Sustainable Balanced plan was launched on 27 September 2023, there is not enough data available to provide historical performance for the required reporting periods.

Once we have received the data for the...

Within the Alternatives asset class, the Sustainable Balanced plan invests in listed infrastructure securities with an emphasis on operating infrastructure assets in wind and solar alongside exposure to other diversifying sectors.

For details about the Sustainable Balanced plan criteria, read the Investment choice brochure (for GESB Super or West State...

Once you have reached your Commonwealth preservation age, Transition to Retirement (or phased retirement) allows you to turn your super into a non-commutable income stream, without having to retire or reduce your hours of work.

You can then use this regular income to work less...

Salary sacrifice is a great way to boost your super, but there are some circumstances where it might not be the right choice for you.

Here’s where salary sacrifice could be a disadvantage:

• Your overall tax may not reduce significantly if your taxable income is less than $90,000 and you access your...

We’ve introduced this two-step security check – known as multi-factor authentication (MFA) – to help make sure you are the only one who can make changes to or apply for insurance.

It’s a simple process. When you request any changes to...

If we need to get in touch with you over the phone, we may call you from one of the following phone numbers:

• 08 9278 7001
• 08 9211 6680

We will only contact you in response to a query you have made or in relation to your account administration. For example, to clarify...

If you are under 65 years old when you join GESB Super or if you’re already a West State Super member, you’re automatically eligible for:

• Death (including Terminal Illness) cover
• Total and Permanent Disablement (TPD) cover
• Salary Continuance Insurance cover

Other eligibility conditions apply - and these will be different if you’re a ...

You can make sure your super isn’t at risk of becoming lost by:

• Telling us if you change address, phone number or email address
• Making regular contributions to your super account
• Logging into Member Online to manage your super regularly
• Providing us...

There are rules about when you can access your super money, as set by the Australian Government.

To get your super, you need to have reached what’s known as your Commonwealth preservation age.

Use our preservation age calculator to figure out your preservation age.

Your preservation age depends on...

You can use Member Online to change your occupation category, sum insured, fix your cover or change some other details.

If you’ve decided to make changes to your insurance, log in to Member Online and visit the ‘Insurance’ page.

You’ll find an option to ‘Change your insurance’. Select this button.

You’ll be directed...

The investments within each asset class are assessed or selected based on different criteria. In general, the ESG criteria set by Pendal covers issues such as environmental management, social practices, corporate governance and ethical practices.

You can find some examples in our Sustainable Balanced plan article.

Details can be found in...

You can apply for an authority, or arrange for your nominated ‘third party’ to do this on your behalf.

To apply, please download the Third party authority form. You can complete the form digitally, including your signature and email it back to us.

Third party authorities are...

We consider climate-related risk as part of the environment component of ESG, so it’s integrated into our overall ESG and responsible investment policy.

We are committed to transitioning the portfolio towards net zero carbon emissions by 2050, which is consistent with the goals of the Paris Agreement and in line...

No - if you started employment as a casual employee on or after 1 July 2010, you aren’t eligible for automatic basic cover.

You may be able to opt in for basic cover without completing a full insurance application. To apply, you’ll need to...

If your employer pays your Superannuation Guarantee (SG) contributions into your GESB Super or West State Super and you’re under 65 and meet certain eligibility criteria, you will be automatically covered for:

• Death and Total and Permanent Disablement (TPD)
• Salary Continuance Insurance

If you started working on a casual basis on or after...

A Unique Superannuation Identifier (USI) is a number used to identify a super fund or scheme, which is used for electronic rollovers and contributions.

If you’re planning to transfer your super to another fund, you will need the relevant USI for your super account, which is listed below.

GESB...

Forward unit pricing means that the unit price we declare for any given day is based on the value of our assets at the close of business that day.

We work out the unit price for Monday, for example, based on the value of our assets at the close of business...

A third party authority allows the authorised person (or employee, if it’s for an organisation), to access the information we hold about you and your accounts.

This may include:

• Your personal and employment details
• Your account balance
• Details of your transactions
• Information about how your funds are invested
• Details of any insurance within your account

The authority...

If you decide to set up a transition to retirement income stream, your income will be taxed in the following way:

• Investment earnings are taxed at a concessional rate of up to 15%
• If you're aged 60 or over, you won’t pay tax on your income payments
• If you're aged between Commonwealth preservation...

To receive a co-contribution you need to meet certain eligibility criteria. You're eligible for a co-contribution payment if you:

• Have made one or more personal after-tax contributions to your complying super fund (such as GESB Super or West State Super) in the financial year
• Have a total income of less than the...

You can give another person, such as your financial adviser, your partner or a family member, access to your account information with a Third party authority form.

To protect your privacy, we will only release information about you to another person if we have your written...