Member Online FAQs

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...

A fossil fuel exclusion is applied to the Sustainable Balanced plan, with varying definitions and revenue thresholds adopted across asset classes.

For example, within the Australian Shares asset class for the Sustainable Balanced plan, the portfolio does not invest in companies which directly extract or explore fossil fuels (i.e, coal, oil...

No, WA public sector employers need to comply with the Commonwealth's OTE requirements, as well as the SG obligations in the State Superannuation Regulations. As a general rule, you need to first comply with the Commonwealth's OTE requirements. If a payment is excluded under the OTE definition, you still need...

You can find your account balance at the top left of your personalised dashboard when you first login to Member Online, or on the 'Accounts' page.

This figure is based on the end of day for the previous business day and shows the date at which the balance is current.

You can...

For information about allowances for employees who have a taxed scheme (such as GESB Super) visit the ATO's website. For employees with an untaxed scheme (such as West State Super or Gold State Super) contact your Key Account Manager. If you have...

Once you’ve logged in to Member Online, navigate to the ‘Accounts’ page. You’ll see how much your annual fees would be, based on your current account balance being invested in your current investment plan. As your account balance or investment plan changes, so do your fees.

You can also select the...

It’s worth taking the time to avoid making mistakes with the allowances you pay your employees. If you do make a mistake, you will be in breach of your statutory obligations under the State Superannuation legislation, and could be liable for claims made by your employees.

Once you’ve logged in to Member Online, visit the ‘Accounts’ page.

At the top of this page you’ll see a summary of your account and the money that has gone into and out of your account. You’ll also see the investment returns for your account since the start of the financial...

Log in to Member Online and you’ll find your opening balance from the start of the current financial year on your dashboard and on the ‘Accounts’ page.

If your account balance has grown, you’ll see the value is ‘up from’ your starting balance. If your account balance has decreased, it will...

Salary sacrifice is an agreement between you and your employer where you agree to ‘sacrifice’ part of your future before-tax salary. The amount you sacrifice can be paid into your super account by your employer (rather than taking it as salary).

You can salary sacrifice to your GESB Super or West...

The summary should show the reportable employer superannuation contributions (RESC) amount. For more information please visit the ATO website.

On your Member Online dashboard, you can find information about your current investment plan, including investment returns and the mix of Growth and Defensive assets. If you have changed investment plans in the current financial year, you can find detailed information about that plan in the investment page. Just select...

No. You only need to show the RESC amount on your employees' payment summary.

Here are some reasons you might decide to salary sacrifice:

• You’ll pay less income tax
Your taxable income is reduced by the amount you salary sacrifice, which means you could pay less income tax.
• There could be other tax benefits
Super is generally taxed¹ at what’s known as a concessional rate...

On your Member Online dashboard, you can see the mix of Growth and Defensive assets that make up your current investment. You can also see how this plan is performing over the current financial year, as well as previous years. If you have more than one investment plan, you’ll need...

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...

If a Gold State Super member is making salary sacrifice contributions (i.e. before tax), these contributions are considered RESC.

Each investment plan comes with its own level of ‘likely’ risk and return, so it’s important to make an informed decision. Before you change your plan, we recommend you explore the features of each investment plan. You might like to try our Selecting your investment plan tool if you...

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 your account.

It’s a simple process. When you request any changes to your account, we’ll send a security code to your mobile number or...

You can only salary sacrifice into your GESB Super or West State Super account if you are currently employed in the WA public sector.

No.

Salary sacrifice contributions are a simple way to grow your super. You can contribute to your GESB Super or West State Super account through your payroll if you’re currently working in the WA public sector.

If you’re a Gold State Super member and you would like to make salary sacrifice contributions...

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...

Making an after-tax contribution to your super could help you:

• Increase your super balance - rather than relying on the amount your employer contributes, adding to your balance can lead to more money in your super when you retire, depending on market changes, which can impact your balance before and at...

If you have a GESB Super, West State Super or Gold State Super account, you can make after-tax contributions. You don’t have to be currently employed in the WA public sector.

If you only have a Gold State Super or Gold State Super deferred account with us, we will automatically open...

To arrange either before-tax (salary sacrifice) contributions or after-tax contributions to your super through your employer's payroll department, here's what to do.

• Time it takes Approximately 15 minutes to complete the form
• Cost No set up fee
• Result You’ll help grow your super, which means you...

There are three ways you can make an after-tax personal contribution to your super:

• BPAY®
• Through your employer
• Cheque or money order

Please note: we are required to send you confirmation every time you make a contribution using BPAY.

Here are the steps you need to make your...

You can add to your super when you can afford to commit to a regular contribution, or whenever you have a one-off lump sum that you'd like to put into super. It’s worth knowing:

• The earlier you start contributing, the more chance your super has to grow
• There are no extra fees...

Spouse contributions allow you to grow your joint savings for retirement, and in most cases, receive a number of tax benefits.

A spouse, for these purposes, is your husband, wife or de facto partner (of any gender) who lives permanently with you on a bona fide domestic basis, at the time...

There are a number of potential tax benefits in making spouse contributions, such as:

• You could receive a tax offset of up to $540 per financial year, if you meet certain criteria
• Your spouse contributions are tax-free upon withdrawal
• Your spouse or partner could pay a lower rate of tax than you, when...