Annual returns

November 20 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 2018) when invested in select options within our Accumulation Plan. Returns are net of tax and fees.

09/30/08 100000 100000 100000 100000 100000 100000 100000
10/31/08 88824 93793 94919 96192 98586 100569 99900
11/30/08 83991 90836 92559 94714 98105 100998 99800
12/31/08 84035 90318 92413 94914 98357 101359 99700
01/31/09 81601 88835 91354 94359 98285 101699 99740
02/28/09 76187 85833 88688 92339 97040 101945 99780
03/31/09 79314 87225 90220 93267 97617 102177 99820
04/30/09 82780 88478 91607 94452 98288 102419 99980
05/31/09 84836 89364 92828 95458 98692 102602 100140
06/30/09 87801 89729 93759 95814 98971 102839 100300
07/31/09 92170 92222 96701 97857 100433 103041 100619
08/31/09 95055 94044 98885 99547 101800 103231 100939
09/30/09 98213 95860 100981 101163 102876 103443 101261
10/31/09 96690 95445 100446 101078 102913 103682 101441
11/30/09 98515 96734 101868 102327 103846 103888 101621
12/31/09 102050 98659 103496 103523 104675 104172 101801
01/31/10 98338 97135 101994 103063 104507 104416 102101
02/28/10 99269 97756 102706 103698 105040 104716 102401
03/31/10 103740 100464 105350 105540 106263 105021 102702
04/30/10 103372 100691 105558 105981 106669 105308 102922
05/31/10 98797 98188 103335 104826 106279 105671 103142
06/30/10 96269 97738 102540 104245 105989 106016 103363
07/31/10 99041 99853 104435 105717 107038 106344 103602
08/31/10 97894 99765 104481 106215 107676 106685 103843
09/30/10 101142 101864 106425 107463 108474 107002 104084
10/31/10 103291 103500 107889 108580 109201 107324 104222
11/30/10 103150 103394 107827 108529 109250 107638 104361
12/31/10 105386 104783 109152 109463 109950 108027 104500
01/31/11 106789 106377 110403 110588 110877 108386 105054
02/28/11 108027 107437 111461 111464 111625 108818 105612
03/31/11 108073 107982 111941 112004 112171 109262 106172
04/30/11 107887 108537 112409 112661 112718 109638 106489
05/31/11 107628 108641 112626 113057 113177 110017 106808
06/30/11 106551 108668 112353 113097 113346 110383 107127
07/31/11 104070 107620 111627 112923 113456 110759 107343
08/31/11 101475 106309 110422 112279 113251 111172 107559
09/30/11 99570 105453 109545 111792 113300 111525 107775
10/31/11 103545 107717 111849 113403 114302 111910 107775
11/30/11 102629 107253 111471 113392 114503 112268 107775
12/31/11 102559 107660 111952 113952 115079 112590 107775
01/31/12 104848 109813 113972 115546 116170 112963 107811
02/29/12 107829 111951 116073 117170 117413 113303 107847
03/31/12 110523 113549 117675 118315 118295 113684 107883
04/30/12 110543 114122 118224 119029 118933 114090 108063
05/31/12 106648 112020 116434 118380 118814 114474 108243
06/30/12 107872 113397 117859 119165 119590 114843 108423
07/31/12 109320 114984 119347 120353 120417 115157 108925
08/31/12 112239 117072 121302 121806 121461 115477 109429
09/30/12 114361 118638 122873 123002 122303 115753 109935
10/31/12 115437 119700 123810 123785 122904 116059 110007
11/30/12 116316 120195 124344 124159 123211 116331 110079
12/31/12 119036 122271 126212 125528 124177 116632 110151
01/31/13 123646 125296 128920 127248 125460 116944 110295
02/28/13 126766 127237 130871 128539 126380 117227 110439
03/31/13 126972 127779 131264 128936 126666 117505 110583
04/30/13 130394 130466 133731 130797 127973 117830 110727
05/31/13 133380 131966 135023 131620 128637 118170 110871
06/30/13 132820 131682 134516 131236 128508 118436 111015
07/31/13 138533 134882 137580 133177 129831 118711 111445
08/31/13 138925 135003 137695 133248 129987 118977 111877
09/30/13 141346 136678 139302 134384 130788 119225 112311
10/31/13 145079 139462 141843 136104 131883 119461 112598
11/30/13 147613 140643 142960 136780 132348 119678 112886
12/31/13 150433 142945 145107 138301 133464 119921 113175
01/31/14 147206 141756 144021 137949 133411 120155 113390
02/28/14 152832 144963 146880 139805 134603 120388 113606
03/31/14 152194 145312 147226 140220 134905 120629 113823
04/30/14 153501 146431 148232 141064 135551 120868 114003
05/31/14 155704 148109 149816 142291 136430 121094 114183
06/30/14 155870 149218 150922 143272 137169 121359 114363
07/31/14 157652 150343 151979 144000 137689 121600 114543
08/31/14 159965 151627 153059 144810 138315 121817 114722
09/30/14 158730 150772 152329 144366 138128 122062 114903
10/31/14 160937 152248 153612 145337 138837 122294 114975
11/30/14 163717 154283 155385 146604 139836 122508 115047
12/31/14 165566 155819 156750 147708 140654 122768 115119
01/31/15 169523 158694 159355 149779 142071 123002 115191
02/28/15 177409 162833 162981 152390 143679 123235 115263
03/31/15 178112 164262 164286 153439 144356 123466 115335
04/30/15 177171 164143 164233 153424 144375 123678 115586
05/31/15 181139 166191 165859 154371 144915 123890 115838
06/30/15 174775 163438 163355 152671 144067 124088 116091
07/31/15 180740 166203 165724 154375 145292 124290 116270
08/31/15 171741 161747 161931 151867 143935 124482 116450
09/30/15 168106 160026 160165 150583 143400 124666 116631
10/31/15 176129 164813 164287 153554 145264 124860 116774
11/30/15 175332 164610 164107 153466 145239 125049 116918
12/31/15 174602 164514 163786 153226 145259 125246 117063
01/31/16 167031 160419 160341 151070 144325 125447 116991
02/29/16 166372 160616 160614 151385 144774 125667 116919
03/31/16 170465 163539 163106 153317 146090 125881 116847
04/30/16 173380 165825 165106 154870 147042 126102 116990
05/31/16 179098 169170 167829 156788 148191 126328 117134
06/30/16 174726 168177 167484 157017 148555 126539 117279
07/31/16 181597 172606 171160 159736 150201 126721 117566
08/31/16 182163 173302 171840 160310 150562 126933 117854
09/30/16 181451 173477 172047 160506 150759 127115 118143
10/31/16 178118 171918 170799 159590 150177 127303 118358
11/30/16 181785 174015 172221 160256 150359 127484 118574
12/31/16 187479 177892 175389 162510 151706 127663 118790
01/31/17 187101 178172 175758 162875 152001 127851 118970
02/28/17 189929 180237 177503 164204 152832 128017 119150
03/31/17 193436 182657 179479 165634 153750 128200 119330
04/30/17 198028 185482 181763 167274 154798 128365 119402
05/31/17 201075 187625 183618 168724 155721 128537 119474
06/30/17 200221 187719 183651 168725 155768 128717 119546
07/31/17 200089 187726 183753 168875 155947 128886 119798
08/31/17 201614 188892 184756 169672 156417 129051 120050
09/30/17 203328 190244 185831 170434 156835 129205 120302
10/31/17 209076 194123 188788 172551 158153 129392 120554
11/30/17 213544 196989 191010 174192 159106 129557 120806
12/31/17 215689 198359 192002 174846 159450 129722 121058
01/31/18 218148 200909 194065 176368 160340 129892 121238
02/28/18 217561 200649 193877 176291 160380 130052 121418
03/31/18 214021 198599 192491 175499 160227 130220 121598
04/30/18 219695 202806 195474 177444 161431 130410 121742
05/31/18 222071 204012 196430 178122 161905 130614 121886
06/30/18 226575 206909 198588 179682 162875 130802 122030
07/31/18 229647 209309 200348 180844 163625 131014 122175
08/31/18 233370 211477 201975 181996 164362 131230 122319
09/30/18 234132 212149 202426 182235 164568 131434 122464

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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