To ensure contributions are allocated to an ESSSuper account in the 2023-24 financial year, please submit your payment by 5:00pm on 14 June 2024.

Members can find their BPAY contribution details in Members Online. Employers should make payments through Employer Online.

We no longer accept cheques or EFTs, and you should contact us if you have any queries.


May 23 2024

Strategic asset allocations

As at 1 Juy 2023
(asset allocation ranges are shown in brackets)

Cash 100% (100%)


Target growth assets: 0%

Target defensive assets: 100%

Suitability: Members with a minimum investment time frame of 1 year that are prepared to accept a very low amount of volatility in pursuit of safeguarding investment capital.
Objective* for Accumulation Plan Beneficiary Account & Working Income Stream: To provide a return after fees (but before tax) equivalent to or higher than the Bloomberg AusBond Bank Bill Index.
Objective* for Retirement Income Stream: To provide a return after fees equivalent to or higher than the Bloomberg AusBond Bank Bill Index.
Minimum suggested investment timeframe: 1 year
Risk band#: 1 - VERY LOW
Estimated number of negative annual returns#: Less than 0.5 over any 20 year period

Investment option performance

Our annual returns page shows the annual and long-term average returns for this option listed by product.


* The investment objectives are not a promise or guarantee of any particular benefit. They represent a benchmark against which the Board monitors the performance of the investments of the Fund.

# The standard risk measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The standard risk measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option(s).