D

Defined benefit scheme: This style of super scheme means that your final super benefit is determined by applying a fixed or 'defined' formula, usually based on your length of service, contributions and final salary. This type of scheme is not market linked, as the benefit is defined and doesn't depend on investment market returns. Gold State Super is a defined benefit scheme.

Dependant: Includes your spouse (or former spouse or de facto), a child under 18 (including an adopted, step or ex-nuptial child), or any person who is financially dependent on you or any person with whom you have an interdependent relationship.

Directed Termination Payment (DTP): Is the concessionally taxed lump sum payment you'll receive on termination of employment from your employer.

Diversification: Is an approach to investing that involves investing across a range of asset classes, rather than investing in only one type of asset. Diversification suggests that the positive performance of one asset class may help mitigate the negative performance of another. It is much like the saying, 'don't put your all your eggs in one basket'.