Set up your future with GESB Super

If you're one of our new members, this 30-minute webinar will help you learn to:

  • Grow your super by making extra contributions including salary sacrifice, minimising the fees you pay, and combining your accounts
  • Understand your investment options and what risk means for your super
  • Protect your lifestyle with insurance in super

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Start your super journey early

Your retirement may be many years away, but this means you have time to grow your investment and build your retirement savings.

In this 30-minute webinar, you’ll learn about:

  • Why it’s important to start early with your contributions
  • The different ways you can add to your super
  • How to combine your super and save on fees
  • What to consider when choosing your investment plan
  • The First Home Super Saver scheme
  • The different types of insurance we provide

You might also like to watch our short video for an overview of the benefits of contributing to your super.

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Investment basics

You don't have to be an experienced investor to understand how your super is invested and choose the right investment plan for your needs. This 30-minute webinar will help you understand basic investment concepts, such as tax, budgeting and asset classes.

You’ll also learn about the different ways you might be able to increase your super and the investment options available to you.

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Insurance - protecting your lifestyle

Find out how you can maintain your lifestyle if you had to stop working because of illness or injury, and how to provide for the people who are most important to you in the future.

This 30-minute webinar will explain:

  • The benefits of insurance in super, including having premiums paid from your super, rather than your bank account
  • The different types of insurance we provide and changes you can make
  • The risks of not having enough insurance
  • How to work out how much cover you may need
  • The benefits of automatic acceptance by our Insurer

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Salary sacrificing in super

In this 30-minute webinar, you'll explore how you can ‘sacrifice’ part of your before-tax salary to your super account, instead of having it paid to you as a salary. Learn through case studies how this strategy can be a tax-effective way to boost your balance.

You might also like to watch our video for an introduction to salary sacrificing before exploring more details in our webinar.

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Building wealth through super

This 30-minute webinar introduces super concepts to help you maximise opportunities to grow your super. You’ll learn about:

  • Investing for the long term
  • What super is and why it’s valuable
  • Asset classes, unit pricing, investment performance and investment choice
  • Tax advantages of super

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Grow your super

In this 30-minute webinar, you’ll explore the benefits of contributing to your super, and how and when you can make these contributions. See through case studies how ‘sacrificing’ part of your before-tax salary can be a tax-effective way to boost your balance. You’ll also learn more about the investment options available to help you grow your account.

You might also like to watch our short video for an overview of the benefits of contributing to your super.

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West State Super, why is it so different?

In this 45-minute webinar, you'll learn more about the unique features of your West State Super, including:

  • How your untaxed scheme means 100% of your employer and personal contributions are invested, which helps your super to grow
  • How to make the most of your account, including how to choose your investment plan and optimise your insurance
  • How the untaxed plan cap of $1.565 million1 works and how you can salary sacrifice more than you could if you were in a taxed scheme

The webinar will also explain the options you have with your account when leaving the WA public sector.

1 For the 2020/21 financial year, indexed annually in line with Average Weekly Ordinary Time Earnings, in increments of $5,000 rounded down. The untaxed plan cap applies for each untaxed scheme you are a member of.

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Learning about Gold State Super

In this 45-minute webinar, you'll learn more about the benefits and features of your Gold State Super, including:

  • How your Final Benefit is calculated
  • The impact of working part time and taking leave on your super
  • How salary maintenance works
  • Your insurance benefits
  • When you can access your Gold State Super
  • What a transition to retirement strategy could mean for you

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Understanding super for higher income earners

If you're a high-income earner, you might need to do more work before you retire to help maintain your lifestyle during retirement. This 30-minute webinar will suit you if you're earning over $100,000 per annum and will cover:

  • Asset classes and the role they play in your investments
  • How to contribute to your super and how this can benefit you
  • Overview of strategies to boost your super
  • How to work out your next steps and what help is available
  • Tax treatment of super

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Women and super

Statistics show that if you're a woman, you could retire with less than half the amount of super than men1.

In this 45-minute webinar, you'll get to understand your super and discover how to secure your own financial future. You’ll learn about:

  • How you can grow your super by making extra contributions
  • Your investment options and how to choose the right plan for your needs
  • The different types of insurance cover we offer

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Leaving the public sector

If you’re considering leaving the public sector by resigning, retiring or taking a redundancy, this 30-minute webinar will help you explore how your super may change.

You’ll learn what happens to your Gold State Super, West State Super or GESB Super account, and how your insurance changes.

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Understanding your statement - GESB Super and West State Super members

Your member statement gives you more than just your account balance. In this 30-minute webinar for GESB Super and West State Super members, you'll explore a typical statement and learn what many of the sections mean.

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Accessing your super

As you get closer to retirement age, you have several options for accessing your super. This 45-minute webinar will cover:

  • When you can access your super
  • The different ways you can take your super
  • The tax implications of accessing your super
  • Retirement income options
  • How transition to retirement works

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Retirement planning

This webinar is designed for you if:

  • You’re aged 56 or over
  • You’re planning to retire in two to five years from now
  • You want to learn the basics of retirement planning

If you're just beginning to plan your retirement, this 90-minute webinar will give you information and general advice on:

  • Super - GESB Super, West State Super and Gold State Super
  • Our retirement solutions - GESB Super, West State Super and Retirement Income Pension (including RI Allocated Pension and Transition to Retirement Pension)
  • Retirement options - an overview of your income options in retirement, including support from Centrelink

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Transition to retirement

When thinking about your options for retirement, you may want to consider accessing part of your super using a transition to retirement strategy.

This 45-minute webinar will explain what a transition to retirement strategy is and help you discover the financial benefits available to you, such as:

  • Increasing your super - you can continue to work and sacrifice some of your salary to super
  • Reducing your hours - you can work less without reducing your overall income, as your pension can make up for your lower salary
  • Increasing your income - you can receive income from a pension as well as your normal salary

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Understanding the allocated pension

If you’re looking for a tax-effective income in retirement, you may want to consider  an allocated pension.

This 45-minute webinar will explain your options for accessing your super and how to set up a regular income from your retirement savings.

You’ll learn about:

  • Your flexible payment options
  • Choosing an investment plan
  • How your pension will be taxed
  • Minimum pension payment limits

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Are you on track for retirement?

In this 30-minute webinar you’ll learn about things to consider when preparing for your retirement, with topics including:

  • How much do you need to retire?
  • Combining your super
  • Your contribution options
  • Investment basics - risk and return
  • What to do to stay on track

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How much do I need for retirement?

When you're planning your retirement, you probably want to know how much you’ll have, and how much you’ll need to live the lifestyle you want in the future.

This 30-minute webinar will answer the most common questions you might have about planning for retirement. We’ll show you how to estimate how much super you’ll have when you retire, and how much you might need, based on your situation and goals.

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Budgeting for retirement

To help you afford and enjoy your retirement years, it’s important to plan ahead and take control of your finances early.

In this 30-minute webinar, we’ll explain how you can:

  • Plan how much annual income you may need in retirement
  • Work out what costs you could expect in retirement
  • Track your spending habits and manage your money
  • Make the most of your retirement income

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1 Superannuation account balance by age and gender, Ross Claire, Director of Research, The Association of Superannuation Funds of Australia (ASFA).

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Page last updated 19 January 2021

Thank you for printing this page. Remember to come back to gesb.wa.gov.au for the latest information as our content is updated regularly. This information is correct as at 25 June 2021.