Annual returns

October 23 2018

How have we performed?

The following chart shows how $100,000 would have performed compared to the Consumer Price Index (CPI) over the past 10 years (to 30 June 2016) when invested in select options within our Accumulation Plan. Returns are net of tax and fees.

07/31/06 100000 100000 100000 100000 100000
08/31/06 102899 101840 101406 101136 100302
09/30/06 104723 103147 102409 102013 100604
10/31/06 107636 104616 103458 102872 100561
11/30/06 109433 105667 104296 103625 100518
12/31/06 112806 107732 105748 104661 100476
01/31/07 115186 109003 106711 105467 100497
02/28/07 115129 109363 107169 105941 100518
03/31/07 117650 110522 108166 106757 100540
04/30/07 120390 112037 109334 107676 100947
05/31/07 123579 113627 110423 108556 101356
06/30/07 122947 114349 110853 108855 101767
07/31/07 120721 113596 110508 108800 102003
08/31/07 122372 114605 111274 109445 102240
09/30/07 124504 115975 112356 110320 102477
10/31/07 126525 117144 113251 111057 102799
11/30/07 124740 116779 113099 111095 103123
12/31/07 123267 116835 113398 111193 103447
01/31/08 113307 112596 110827 109717 103897
02/29/08 111382 111718 110263 109505 104349
03/31/08 108548 110501 109470 109052 104804
04/30/08 111989 112195 110610 110063 105318
05/31/08 112732 112586 111054 110598 105835
06/30/08 106165 110233 109135 110052 106355
07/31/08 102929 109043 108617 110182 106763
08/31/08 105998 110997 110258 111489 107172
09/30/08 96934 105826 106320 109845 107583
10/31/08 86101 100449 102271 108292 107475
11/30/08 81415 97952 100700 107764 107367
12/31/08 81459 97797 100913 108040 107260
01/31/09 79099 96676 100322 107962 107303
02/28/09 73851 93855 98175 106594 107346
03/31/09 76882 95477 99162 107228 107389
04/30/09 80241 96944 100422 107965 107561
05/31/09 82235 98236 101492 108409 107733
06/30/09 85109 99222 101870 108715 107905
07/31/09 89344 102335 104042 110320 108249
08/31/09 92140 104646 105839 111823 108593
09/30/09 95202 106864 107557 113004 108939
10/31/09 93726 106298 107466 113045 109132
11/30/09 95494 107803 108795 114070 109326
12/31/09 98921 109526 110066 114980 109520
01/31/10 95323 107937 109577 114796 109842
02/28/10 96226 108690 110252 115381 110166
03/31/10 100560 111488 112210 116725 110490
04/30/10 100202 111708 112679 117171 110726
05/31/10 95768 109355 111451 116743 110963
06/30/10 93317 108514 110834 116423 111200
07/31/10 96004 110519 112398 117576 111458
08/31/10 94892 110568 112928 118277 111717
09/30/10 98041 112626 114255 119153 111976
10/31/10 100124 114174 115443 119952 112125
11/30/10 99987 114109 115389 120006 112274
12/31/10 102154 115511 116382 120775 112424
01/31/11 103514 116835 117578 121793 113020
02/28/11 104715 117954 118509 122614 113620
03/31/11 104759 118462 119083 123214 114222
04/30/11 104579 118958 119782 123816 114564
05/31/11 104328 119187 120203 124320 114907
06/30/11 103284 118898 120245 124505 115250
07/31/11 100880 118130 120060 124627 115482
08/31/11 98364 116855 119376 124400 115715
09/30/11 96517 115927 118858 124454 115947
10/31/11 100370 118366 120570 125555 115947
11/30/11 99483 117965 120559 125776 115947
12/31/11 99414 118474 121154 126408 115947
01/31/12 101633 120612 122849 127608 115986
02/29/12 104523 122835 124575 128972 116025
03/31/12 107134 124531 125793 129941 116064
04/30/12 107153 125112 126552 130643 116257
05/31/12 103378 123217 125862 130512 116451
06/30/12 104565 124726 126697 131364 116645
07/31/12 105968 126300 127960 132272 117184
08/31/12 108798 128369 129505 133419 117726
09/30/12 110854 130031 130776 134344 118271
10/31/12 111898 131023 131609 135004 118348
11/30/12 112750 131588 132007 135341 118426
12/31/12 115386 133565 133462 136402 118503
01/31/13 119855 136430 135291 137811 118658
02/28/13 122879 138496 136663 138822 118813
03/31/13 123079 138911 137085 139137 118968
04/30/13 126396 141522 139063 140572 119123
05/31/13 129290 142889 139939 141301 119278
06/30/13 128748 142353 139531 141160 119433
07/31/13 134286 145596 141594 142613 119896
08/31/13 134665 145718 141670 142784 120360
09/30/13 137012 147417 142878 143665 120827
10/31/13 140630 150107 144707 144867 121136
11/30/13 143087 151289 145425 145378 121446
12/31/13 145821 153561 147042 146604 121756
01/31/14 142692 152411 146667 146545 121988
02/28/14 148146 155437 148642 147855 122221
03/31/14 147528 155803 149083 148187 122453
04/30/14 148795 156868 149980 148897 122647
05/31/14 150930 158544 151284 149862 122840
06/30/14 151091 159715 152327 150673 123034
07/31/14 152818 160834 153101 151245 123228
08/31/14 155061 161976 153962 151932 123421
09/30/14 153863 161204 153491 151727 123615
10/31/14 156003 162561 154523 152505 123693
11/30/14 158697 164438 155870 153603 123770
12/31/14 160490 165882 157044 154502 123848
01/31/15 164325 168639 159246 156059 123925
02/28/15 171970 172476 162022 157825 124003
03/31/15 172651 173857 163137 158569 124080
04/30/15 171738 173801 163121 158590 124351
05/31/15 175585 175522 164128 159182 124622
06/30/15 169416 172872 162321 158251 124893
07/31/15 175198 175379 164132 159596 125087
08/31/15 166475 171366 161465 158105 125280
09/30/15 162952 169496 160101 157518 125474
10/31/15 170729 173858 163259 159566 125629
11/30/15 169956 173668 163166 159538 125784
12/31/15 169248 173328 162910 159560 125939
01/31/16 161910 169682 160618 158534 125861
02/29/16 161271 169972 160954 159027 125784
03/31/16 165238 172608 163007 160472 125707
04/30/16 168064 174725 164658 161518 125629
05/31/16 173606 177607 166697 162781 125552
06/30/16 169369 177242 166941 163180 125475

Annual crediting rates (to 30 June 2018)

View historic annual performance details below, or download the Crediting Rates at 30 June 2018 (summary) (PDF 52KB) for a full view of last financial year.

Accumulation Plan

  Shares Only High Growth Growth Balanced Conservative Defensive1 Basic Growth2  Ethically Minded2 Cash
5 Year (avg % p.a.) 11.27% 9.46%  8.10%  6.49%  4.85%  3.33%  N/A  N/A  2.01%
3 Year (avg % p.a.) 9.04% 8.18%  6.73%  5.58%  4.17%  2.88%  N/A  N/A  1.77%
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.) 12.50% 10.43%  8.97%  7.22%  5.44%  3.77%  N/A N/A  2.30% 
3 Year (avg % p.a.) 9.73% 8.85%  7.30%  6.10%  4.61%  3.21%  N/A  N/A  1.99% 
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.) 12.81% 10.67%  9.16%  7.38%  5.55%  3.85%  N/A  N/A  2.36%
3 Year (avg % p.a.) 10.23% 9.23%  7.61%  6.36%  4.79%  3.35%  N/A  N/A  2.09%
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.) 11.27% 9.46%  8.10%  6.49%  4.85%  3.33%  N/A  N/A  2.01%
3 Year (avg % p.a.) 9.04% 8.18%  6.73%  5.58%  4.17%  2.88%  N/A  N/A  1.77%
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 Superannuation Complaints Tribunal.

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