Annual returns

May 09 2021

How have we performed?

The chart below shows how $100,000 would have performed* when invested in select options within our Accumulation Plan, compared to the Consumer Price Index (CPI)** over the past 10 years (to 30 June 2020).

06/30/2010 100000 100000 100000 100000 100000 100000 100000
07/31/2010 102879 102164 101847 101411 100990 100310 100000
08/31/2010 101688 102074 101893 101889 101592 100631 100000
09/30/2010 105062 104221 103789 103086 102345 100930 100731
10/31/2010 107294 105895 105216 104158 103031 101234 100731
11/30/2010 107148 105786 105156 104110 103077 101530 100731
12/31/2010 109470 107208 106448 105005 103738 101897 101148
01/31/2011 110927 108839 107668 106085 104612 102235 101148
02/28/2011 112213 109923 108699 106925 105318 102643 101148
03/31/2011 112261 110481 109167 107443 105833 100000 103062 102610
04/30/2011 112068 111048 109624 108073 106349 100395 103417 102610
05/31/2011 111799 111155 109836 108453 106782 100808 103774 102610
06/30/2011 110681 111182 109569 108491 106941 101056 104119 103549
07/31/2011 108104 110110 108862 108324 107046 101295 104474 103549
08/31/2011 105408 108770 107686 107707 106852 101400 104864 103549
09/30/2011 103429 107893 106831 107239 106898 101684 105197 104175
10/31/2011 107558 110210 109078 108785 107843 102227 105559 104175
11/30/2011 106607 109735 108709 108774 108033 102533 105897 104175
12/31/2011 106533 110151 109179 109311 108576 102958 106201 104175
01/31/2012 108911 112354 111148 110841 109606 103581 106553 104175
02/29/2012 112008 114542 113197 112398 110779 104271 106874 104175
03/31/2012 114806 116177 114760 113497 111611 104812 107233 104280
04/30/2012 114827 116763 115295 114182 112213 105280 107616 104280
05/31/2012 110781 114612 113550 113558 112101 105477 107978 104280
06/30/2012 112053 116021 114939 114312 112833 106014 108326 104802
07/31/2012 113557 117645 116390 115452 113613 106478 108622 104802
08/31/2012 116589 119781 118297 116845 114598 107059 108924 104802
09/30/2012 118793 121383 119829 117993 115393 107533 109185 106263
10/31/2012 119911 122470 120743 118744 115960 107910 109473 106263
11/30/2012 120824 122976 121263 119103 116249 108157 109730 106263
12/31/2012 123649 125101 123085 120416 117160 108701 110014 106472
01/31/2013 128438 128196 125726 122066 118371 109410 110308 106472
02/28/2013 131679 130181 127629 123304 119239 109922 110575 106472
03/31/2013 131893 130736 128012 123685 119509 110174 110837 106889
04/30/2013 135447 133485 130418 125470 120742 110857 111144 106889
05/31/2013 138549 135020 131678 126260 121368 111293 111464 106889
06/30/2013 137967 134730 131183 125892 121247 111379 111715 107307
07/31/2013 143902 138003 134172 127753 122495 112067 111975 107307
08/31/2013 144309 138127 134284 127822 122642 112279 112226 107307
09/30/2013 146824 139840 135851 128911 123398 112720 112460 108559
10/31/2013 150701 142689 138329 130562 124431 113256 112682 108559
11/30/2013 153334 143898 139419 131209 124870 113546 112887 108559
12/31/2013 156263 146253 141512 132669 125923 114148 113116 109395
01/31/2014 152911 145036 140453 132331 125873 114241 113336 109395
02/28/2014 158755 148317 143241 134112 126998 114843 113557 109395
03/31/2014 158092 148675 143579 134510 127283 115077 113784 110021
04/30/2014 159450 149819 144560 135319 127892 115460 114009 110021
05/31/2014 161738 151536 146105 136496 128721 115934 114223 110021
06/30/2014 161911 152671 147183 137437 129418 116351 114472 110543
07/31/2014 163762 153822 148214 138135 129910 116692 114700 110543
08/31/2014 166165 155136 149267 138912 130500 117071 114904 110543
09/30/2014 164882 154261 148555 138487 130324 117097 115136 111065
10/31/2014 167174 155771 149806 139418 130992 117505 115354 111065
11/30/2014 170061 157854 151536 140634 131935 118040 115556 111065
12/31/2014 171983 159424 152867 141693 132707 118494 115802 111273
01/31/2015 176093 162366 155407 143679 134044 119168 116022 111273
02/28/2015 184285 166601 158944 146184 135561 119943 116242 111273
03/31/2015 185015 168063 160216 147190 136200 120321 116460 111482
04/30/2015 184037 167942 160164 147176 136218 120410 116660 111482
05/31/2015 188159 170036 161750 148085 136727 120734 116860 111482
06/30/2015 181548 167220 159308 146454 135927 120472 117047 112213
07/31/2015 187744 170049 161619 148088 137083 121113 117237 112213
08/31/2015 178397 165490 157920 145682 135802 120650 117418 112213
09/30/2015 174621 163729 156197 144451 135298 120532 117591 112735
10/31/2015 182955 168627 160217 147300 137056 121379 117775 112735
11/30/2015 182127 168419 160042 147216 137032 121447 117953 112735
12/31/2015 181368 168321 159729 146985 137051 121556 118139 113152
01/31/2016 173504 164132 156368 144917 136170 121412 118329 113152
02/29/2016 172820 164333 156635 145220 136594 121780 118536 113152
03/31/2016 177071 167323 159065 147073 137835 122423 118738 112944
04/30/2016 180099 169662 161016 148563 138733 122898 118946 112944
05/31/2016 186038 173084 163671 150403 139818 123485 119160 112944
06/30/2016 181497 172068 163335 150622 140161 123780 119358 113361
07/31/2016 188635 176600 166920 153231 141714 124522 119530 113361
08/31/2016 189223 177313 167583 153782 142055 124758 119730 113361
09/30/2016 188483 177491 167785 153970 142240 124911 119901 114196
10/31/2016 185021 175896 166568 153090 141692 124677 120079 114196
11/30/2016 188830 178041 167955 153730 141864 124692 120250 114196
12/31/2016 194744 182008 171044 155892 143135 125271 120419 114823
01/31/2017 194352 182295 171404 156242 143412 125472 120596 114823
02/28/2017 197289 184407 173106 157517 144197 125870 120753 114823
03/31/2017 200932 186884 175033 158888 145063 126349 120926 115344
04/30/2017 205702 189774 177261 160462 146052 126874 121081 115344
05/31/2017 208868 191967 179069 161853 146922 127360 121243 115344
06/30/2017 207981 192063 179101 161853 146967 127399 121413 115553
07/31/2017 207843 192071 179201 161997 147136 127562 121572 115553
08/31/2017 209428 193263 180179 162762 147579 127828 121728 115553
09/30/2017 211208 194646 181228 163493 147973 128017 121873 116284
10/31/2017 217179 198616 184111 165524 149217 128653 122049 116284
11/30/2017 221820 201547 186278 167098 150116 129130 122205 116284
12/31/2017 224048 202949 187245 167725 150440 129277 122361 117015
01/31/2018 226602 205558 189257 169186 151281 129630 122521 117015
02/28/2018 225992 205293 189074 169112 151318 129736 122672 117015
03/31/2018 222315 203194 187722 168351 151174 129865 122831 117537
04/30/2018 228210 207499 190631 170218 152310 130371 123010 117537
05/31/2018 230678 208732 191563 170868 152757 130721 123202 117537
06/30/2018 235356 211697 193668 172364 153672 131199 123380 117954
07/31/2018 238547 214152 195385 173479 154380 131565 123580 117954
08/31/2018 242414 216371 196971 174584 155075 132008 123783 117954
09/30/2018 243206 217058 197411 174813 155269 132157 123976 118476
10/31/2018 230330 210189 192872 171984 153954 131778 124180 118476
11/30/2018 228101 208664 191913 171388 153837 131916 124368 118476
12/31/2018 221479 204793 189644 170245 153481 132060 124560 119102
01/31/2019 229849 210777 194001 173281 155302 132898 124760 119102
02/28/2019 238909 216128 197840 175895 156698 133552 124957 119102
03/31/2019 241312 217729 199304 177143 157634 134144 125156 119102
04/30/2019 248917 222795 202905 179556 158926 134724 125353 119102
05/31/2019 246236 221413 202229 179391 159141 135061 125542 119102
06/30/2019 254473 226761 206192 182147 160734 135857 125695 119833
07/31/2019 258842 229502 208232 183615 161548 136268 125841 119833
08/31/2019 255556 227743 207434 183458 161736 136562 125955 119833
09/30/2019 259742 230362 209136 184504 162239 136761 126059 120459
10/31/2019 261906 232102 210331 185243 162670 136965 126160 120459
11/30/2019 270650 236754 213388 187157 163716 137444 126263 120459
12/31/2019 269775 236723 213255 186963 163589 137334 126358 121294
01/31/2020 276386 241895 217455 190099 165501 138298 126463 121294
02/29/2020 263272 234562 212853 187334 164350 137995 126565 121294
03/31/2020 230037 210966 196220 175989 158336 135730 126684 121712
04/30/2020 243646 219169 200714 178861 159630 136335 126756 121712
05/31/2020 251343 223816 203961 181155 160989 137027 126784 121712
06/30/2020 254634 226221 206036 182792 161978 137535 126806 119415

* Returns are net of tax and fees.
** The Consumer Price Index (CPI) rate is calculated quarterly by the Australian Bureau of Statistics (ABS). It's a measure of household inflation and includes statistics about price change for categories of household expenditure.


Annual crediting rates

The tables below show the three and five year compound annual returns and financial year returns for each investment option.

Additional information is also available on our Investment performance flyer (PDF 46.9KB).

Accumulation Plan

  Shares Only High Growth Growth Balanced Conservative Defensive1 Basic Growth2  Ethically Minded2 Cash
5 Year (avg % p.a.) 7.00% 6.23% 5.28% 4.53% 3.57% 2.68% N/A  N/A  1.61%
3 Year (avg % p.a.) 6.98% 5.61% 4.78% 4.14% 3.29% 2.58% 6.31% 4.54% 1.46%
2019/2020 0.06% -0.24% -0.08% 0.35% 0.77% 1.24% 0.39% -1.13% 0.88%
2018/2019 8.12% 7.12% 6.47% 5.68% 4.60% 3.55% 8.94% 6.89% 1.88%
2017/2018  13.16%  10.22%  8.13%  6.49%  4.56%  2.98%  9.86%  8.11%  1.62% 
2016/2017
14.59%
11.62%
9.65%
7.46%
4.86%
2.92%
N/A  N/A  1.72%
2015/2016 -0.03% 2.90% 2.53% 2.85% 3.12% 2.75% N/A  N/A  1.98%
2014/2015 12.13% 9.53% 8.24% 6.56% 5.03% 3.54% N/A  N/A  2.25%
2013/2014 17.35% 13.32% 12.20% 9.17% 6.74% 4.46% N/A  N/A  2.47%
2012/2013 23.13% 16.13% 14.13% 10.13% 7.46% 5.06% N/A  N/A  3.13%
2011/2012 1.24% 4.35% 4.90% 5.37% 5.51% 4.91% N/A  N/A  4.04%
2010/2011 10.68% 11.18% 9.57% 8.49% 6.94% 1.06% N/A N/A  4.12%

1. The Defensive option commenced on 1 April 2011, therefore the 2010-2011 return is for a 3 month period only.
2. The Ethically Minded and Basic Growth options commenced 1 July 2017.

Working Income Stream

  Shares Only High Growth Growth Balanced Conservative Defensive1 Basic Growth2 Ethically Minded2 Cash
5 Year (avg % p.a.) 7.41% 6.62% 5.62% 4.84% 3.83% 2.88% N/A N/A  1.74%
3 Year (avg % p.a.) 6.98% 5.61% 4.78% 4.14% 3.29% 2.58% 6.31%  4.54%  1.46%
2019/2020 0.06% -0.24%  -0.08% 0.35% 0.77% 1.24%  0.39% -1.13% 0.88%
2018/2019 8.12% 7.12% 6.47% 5.68% 4.60% 3.55% 8.94% 6.89% 1.88%
2017/2018  13.16%  10.22%  8.13%  6.49%  4.56%  2.98%  9.86%  8.11%  1.62% 
2016/2017 16.63% 13.31% 11.08%
 8.59% 5.63% 3.42% N/A  N/A   2.02%
2015/2016 0.10% 3.26% 2.86% 3.28% 3.64% 3.24% N/A   N/A   2.33%
2014/2015 13.98% 10.67% 9.29% 7.41% 5.74% 4.11% N/A   N/A   2.65%
2013/2014 19.67% 15.07% 13.82% 10.46% 7.67% 5.12% N/A   N/A   2.89%
2012/2013 27.95% 18.52% 16.44% 11.73% 8.71% 5.95% N/A   N/A   3.67%
2011/2012 0.95% 4.98% 5.50% 6.15% 6.25% 5.57% N/A   N/A   4.69%
2010/2011 12.42% 12.91% 11.13% 9.91% 8.12% 1.23% N/A   N/A   4.86%

1. The Defensive option commenced on 1 April 2011, therefore the 2010-2011 return is for a 3 month period only.
2. The Ethically Minded and Basic Growth options commenced 1 July 2017.

Retirement Income Stream

  Shares Only High Growth Growth Balanced Conservative Defensive1 Basic Growth2 Ethically Minded2 Cash
5 Year (avg % p.a.) 7.94% 7.08% 6.05% 5.23% 4.15% 3.15% N/A  N/A  1.91%
3 Year (avg % p.a. 7.87% 6.37% 5.49% 4.79% 3.83% 3.03% 7.28%  5.05% 1.73%
2019/2020 -0.02% -0.22% 0.03% 0.55% 1.01% 1.52% 0.43% -1.37% 1.05%
2018/2019 9.43% 8.27% 7.59% 6.69% 5.43% 4.21% 10.46% 7.64% 2.22%
2017/2018  14.72%  11.40%  9.07%  7.27%  5.12%  3.39%  11.28%  9.21%  1.92% 
2016/2017 16.63% 13.31% 11.08%
 8.59% 5.63% 3.42% N/A  N/A  2.02%
2015/2016 0.10% 3.26% 2.86% 3.28% 3.64% 3.24% N/A  N/A  2.33%
2014/2015 13.98% 10.67% 9.29% 7.41% 5.74% 4.11% N/A  N/A  2.65%
2013/2014 19.67% 15.07% 13.82% 10.46% 7.67% 5.12% N/A  N/A  2.89%
2012/2013 27.95% 18.52% 16.44% 11.73% 8.71% 5.95% N/A  N/A  3.67%
2011/2012 0.95% 4.98% 5.50% 6.15% 6.25% 5.57% N/A  N/A  4.69%
2010/2011 12.42% 12.91% 11.13% 9.91% 8.12% 1.23% N/A  N/A  4.86%

1. The Defensive option commenced on 1 April 2011, therefore the 2010-2011 return is for a 3 month period only.
2. The Ethically Minded and Basic Growth options commenced 1 July 2017.

Beneficiary Account

  Shares Only High Growth Growth Balanced Conservative Defensive1 Basic Growth2 Ethically Minded2 Cash
5 Year (avg % p.a.) 7.00% 6.23% 5.28% 4.53% 3.57% 2.68% N/A  N/A  1.61%
3 Year (avg % p.a.) 6.98% 5.61% 4.78% 4.14% 3.29% 2.58% 6.31% 4.54% 1.46%
2019/2020  0.06% -0.24% -0.08% 0.35% 0.77% 1.24% 0.39% -1.13% 0.88%
2018/2019 8.12% 7.12% 6.47% 5.68% 4.60% 3.55% 8.94% 6.89% 1.88%
2017/2018  13.16%  10.22%  8.13%  6.49%  4.56%  2.98%  9.86%  8.11%  1.62% 
2016/2017 14.59% 11.62% 9.65% 7.46% 4.86% 2.92% N/A  N/A  1.72%
2015/2016 -0.03%  2.90% 2.53% 2.85% 3.12% 2.75% N/A  N/A  1.98%
2014/2015 12.13% 9.53% 8.24% 6.56% 5.03% 3.54%  N/A  N/A 2.25%
2013/2014 17.35% 13.32% 12.20% 9.17% 6.74% 4.46% N/A  N/A  2.47%
2012/2013 23.13% 16.13% 14.13% 10.13% 7.46% 5.06% N/A  N/A  3.13%
2011/2012 1.24% 4.35% 4.90% 5.37% 5.51% 4.91% N/A  N/A  4.04%
2010/2011 10.68% 11.18% 9.57% 8.49% 6.94% 1.06% N/A  N/A  4.12%

1. The Defensive option commenced on 1 April 2011, therefore the 2010-2011 return is for a 3 month period only.
2. The Ethically Minded and Basic Growth options commenced 1 July 2017.


This investment commentary does not constitute advice. All investment figures quoted relate to before-tax performance of the relevant industry benchmark. Investment returns cannot be guaranteed as investment markets can be volatile. As a consequence, returns can be positive or negative. Past investment performance is not a reliable indicator of future performance. Benefits in ESSSuper's Accumulation Plan, Income Streams and Beneficiary Account products are not guaranteed or underwritten by the Victorian Government or ESSSuper, and ESSSuper does not come under the jurisdiction of the Australian Financial Complaints Authority (AFCA).

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