Your annual statement - keep an eye on your future

Once you have your annual statement, it’s important to have a look, think about what’s happening with your account, see if any of your information needs updating, and decide if there is anything you want to change.

We know not everyone thinks about their super during the year, but regardless of whether you are just starting out in your career, building your investment, nearing retirement or retired, your annual statement is an opportunity to check in, think about what’s happening with your account and decide if there’s anything you want to change.

When you will get your statement

We start sending electronic statements from the beginning of October, with paper statements following in mid-October.

How you will get your statement

Electronic statements

If you’re registered to receive electronic communications from us, we’ll send you an email when your statement is ready to view in Member Online. This email will also include a link to a Member statement summary, which shows all your important account details.

Paper statement

If you have opted not to receive your account information via email, or we didn’t have your email address on 30 June, we’ll send you a paper statement in the mail.

Register to receive an electronic statement next year

All you need to do is:

  1. Log in or register for Member Online
  2. Go to the Personal details page, which can be found at the top right-hand side of your screen next to the envelope icon. Make sure your email address is up to date and choose ‘email’ as your preferred statement delivery option

Our Member Online help guide provides step-by-step instructions on how to register and change the way you receive your communications.

Login to Member Online

Review your statement summary

The first thing most people want to know is how much money they have, but there is much more to your account than that and it’s important to cast your eye over a few key areas.

If you have elected to receive electronic communications from us, we’ll send you an email with a personalised link to read a summary of your statement in early October. You can use this link to quickly check your account details, or you can log in to Member Online anytime to view your full statement. If you have not elected to receive electronic statements from us, you won’t receive a statement summary, but you will get your full statement in the mail.

Quick checklist

Make sure you check:

  • Your account balance
  • How much has come into and out of your account – including employer contributions, personal contributions, and fees
  • How your investment plan has performed
  • Your insurance details - what you’re covered for and how much you might get if you need to make a claim

Review your retirement estimate

You may also receive a retirement estimate in your Member statement summary, which projects how much super you’re likely to have when you’re ready to retire. This will be available to some members with GESB Super and West State Super who receive electronic statements.

Watch our webinar recording

Watch our webinar about how to understand your statement. You'll need to register to access the video, but it’s quick and easy to do so.

Go to webinar

Make time for a proper review of your full statement

It’s always worth reading your statement in full, so even if you’ve checked the details listed above, set a bit of time aside to look at your account information in more detail. You can access your full Member statement through your Member Online account, or you will have received a copy in the mail.

In your statement, you will find important information that you should check is up to date and correct including:

Personal details

It’s a good idea to check the information we have on file for you is up to date.

If you need to update your details, there are three ways you can change them:

It's important that you keep your mobile number and email address current for multi-factor authentication (MFA), which adds an extra layer of security to your Member Online account.

The personal details section is at the top of your member statement. It includes your full name, address, member number, year of birth and tax file number. This section also states the statement period, the date the statement was prepared and our Unique Superannuation Identifier (USI).

Your account summary

For GESB Super, West State Super and Retirement Income accounts, this includes the opening and closing balance.

Gold State Super members will see a total benefit balance.

The account summary section states your balance at the time your statement was prepared. It includes amounts added such as contributions (under ‘Add’) and deductions including fees and premiums (under ‘Less’). This section also includes the amount payable in the event of your death, referred to as death benefit.

Insurance details

For GESB Super and West State Super accounts, this will outline the value of your cover, type of cover, exclusions and total premiums paid.

Gold State Super accounts will show a lump-sum figure.

Think about the cover you have and use our insurance calculator to review whether the amount of insurance is appropriate for your circumstances, especially if something has changed such as buying a new house, having a baby or your relationship status.

The insurance summary section includes Death (including terminal illness) & Total & Permanent Disablement (TPD) and Salary Continuance Insurance (SCI). Death and TPD details the amount insured for death, the amount insured for TPD, your occupation category, exclusions, and fixed cover, where applicable. Salary Continuance Insurance details your level of cover, salary continuance waiting period, occupation category and exclusions, where applicable.

Fees you paid

This is a detailed breakdown of fees deducted directly from your account (like administration and account-keeping fees), as well as the fees and costs relating to the purchase, sale and ongoing management of your investments.

These fees don’t apply to Gold State Super accounts, as they are run a little differently.

The fees you paid section includes all the fees and costs that affected your investment during the period. For example, account-keeping fees, administration fees and insurance fees.

Investment details

For GESB Super members, West State Super members and Retirement Income accounts, this includes your current investment plan and outlines which assets you are investing in, with a percentage breakdown of each asset class. You will also be able to see how your investment plan performed over the past 12 months and compare its investment benchmark.

This doesn’t apply to Gold State Super accounts, which are based on a defined formula outlined in the ‘Contributions and transactions’ section.

Remember, you can always change your investment plan to suit your current situation. Use our Selecting your investment plan tool to help you decide which plan may best suits your needs.

The investment details section describes your investment plan and states the opening and closing number of units, unit price and balance.

Benefit components

These will vary depending on which account you have. If you’re a GESB Super or West State Super member, or if you have a Retirement Income account, there are generally three components to your benefit, each with different access rules and restrictions.

If you’re an active Gold State Super member, your benefit is made up of the components unique to this scheme.

The benefit component section shows listed benefits including preserved benefits, restricted non-preserved benefits and unrestricted non-preserved benefits.

Contributions and transactions

For GESB Super and West State Super members, this is a detailed transaction history of each contribution made into your account by your employer, plus any voluntary contributions you made. It also lists any fees and insurance premiums debited from your account.

Take a moment to check everything is included. You can use your payslips to cross-check employer and salary sacrifice contributions. Bear in mind that transactions may be grouped rather than shown individually.

If you have a Retirement Income account, this details your pension payments and withdrawals.

For Gold State Super members, your contributions are calculated using a defined formula, which is outlined in this section.

The contributions and transactions section includes a detailed history of the statement period.

Your beneficiaries

Your super is likely one of the biggest assets you have, so it’s important to consider what will happen to it when you pass away. A binding death nomination is one way to make sure your super goes to the people you want it to.

Check your beneficiary details to ensure it’s up to date, and remember you can make, replace or update your nomination at any time.

If you have a RI Allocated Pension account with us, please note that you can only nominate a revisionary beneficiary when you open your account.

The beneficiaries section displays the full names of your beneficiaries and their percentages of entitlement. Please review nominated beneficiaries to ensure your binding death nomination remains valid. For more information visit gesb.wa.gov.au/bdn.

Make informed decisions

Now that you have reviewed your statement, have a think about your future and your super. Are there any changes you would like to make? Do you want to increase your super? Are you happy with your level of insurance cover and do you understand how insurance in super works? Are you aware of the different investment plans available?

Our website is full of useful information to help you make the most of your super and make informed decisions about your future.

More information

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Page last updated 02 October 2025

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 09 June 2026.