Monthly crediting rates

January 26 2020

Crediting rates vary month-by-month and your actual return will depend on the investment mix of your chosen options and the timing of cash flows into and out of your account.

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View historic annual performance details below, or download the annual Crediting Rates at 30 June 2019 (summary) (PDF 48.9KB).

Accumulation Plan

Financial Year to Date (FYTD) Performance

Shares Only 6.01
High Growth 4.39
Growth 3.43
Balanced 2.64
Conservative 1.78
Defensive 1.09
Basic Growth 4.31
Ethically Minded 4.13
Cash 0.53

Financial year to date 31/12/2019

Growth option 3.43% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 6.01% 4.39% 3.43% 2.64% 1.78% 1.09% 4.31% 4.13% 0.53%
Dec 19  -0.32%  -0.01%  -0.06%  -0.10%  -0.08%  -0.08%  -0.32%  -0.02%  0.08%
Nov 19 3.34% 2.00% 1.45% 1.03%  0.64%  0.35%  2.10% 1.81% 0.08%
Oct 19 0.83% 0.76% 0.57% 0.40% 0.27% 0.15% 0.45% 0.68% 0.08%
Sep 2019 1.64% 1.15% 0.82% 0.57% 0.31% 0.15% 1.14% 1.31% 0.08%
Aug 2019  -1.27% -0.77% -0.38% -0.09% 0.12% 0.22% -0.48% -1.14% 0.09%
July 2019  1.72% 1.21% 0.99% 0.81% 0.51% 0.30% 1.37% 1.46% 0.12%
Prior financial year returns
2018-2019 8.12% 7.12% 6.47% 5.68% 4.60% 3.55% 8.94% 6.89% 1.88%

Historical annual returns

Working Income Stream

Financial Year to Date (FYTD) Performance

Shares Only 6.01
High Growth 4.39
Growth 3.43
Balanced 2.64
Conservative 1.78
Defensive 1.09
Basic Growth 4.31
Ethically Minded 4.13
Cash 0.53

Financial year to date 31/12/2019

Growth option 3.43% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 6.01% 4.39% 3.43% 2.64% 1.78% 1.09% 4.31% 4.13% 0.53%
Dec 19   -0.32% -0.01% -0.06%  -0.10%  -0.08%  -0.08%  -0.32%  -0.02% 0.08% 
Nov 19  3.34% 2.00% 1.45%  1.03%  0.64% 0.35%  2.10%  1.81%  0.08%
Oct 19 0.83% 0.76% 0.57% 0.40% 0.27% 0.15% 0.45% 0.68% 0.08%
Sep 2019 1.64% 1.15% 0.82% 0.57% 0.31% 0.15% 1.14% 1.31% 0.08%
Aug 2019  -1.27% -0.77% -0.38% -0.09% 0.12% 0.22% -0.48% -1.14% 0.09%
July 2019  1.72% 1.21% 0.99% 0.81% 0.51% 0.30% 1.37% 1.46% 0.12%
Prior financial year returns
2018-2019 8.12% 7.12% 6.47% 5.68% 4.60% 3.55% 8.94% 6.89% 1.88%

Historical annual returns

Retirement Income Stream

Financial Year to Date (FYTD) Performance

Shares Only 6.87
High Growth 5.03
Growth 3.93
Balanced 3.04
Conservative 2.05
Defensive 1.27
Basic Growth 4.88
Ethically Minded 5.25
Cash 0.63

Financial year to date 31/12/2019

Growth option 3.93% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 6.87% 5.03% 3.93% 3.04% 2.05% 1.27% 4.88% 5.25% 0.63%
Dec 2019  -0.37%  -0.02%  -0.07%  -0.12%  -0.09% -0.09%  -0.37%  -0.02%  0.09% 
Nov 2019 3.82% 2.30%  1.67% 1.19% 0.74%  0.40%  2.40% 2.07%  0.10% 
Oct 2019 0.95% 0.86% 0.65% 0.46% 0.30% 0.17% 0.51% 0.77% 0.09%
Sep 2019 1.87% 1.31% 0.94% 0.65% 0.36% 0.17% 1.30% 1.50% 0.10%
Aug 2019  -1.47% -0.88% -0.44% -0.09% 0.15% 0.26% -0.60% -0.82% 0.11%
July 2019  1.96% 1.38% 1.13% 0.93% 0.58% 0.35% 1.57% 1.67% 0.14%
Prior financial year returns
2018-2019 9.43% 8.27% 7.59% 6.69% 5.43% 4.21% 10.46% 7.64% 2.22%

Historical annual returns

Beneficiary Account

Financial Year to Date (FYTD) Performance

Shares Only 6.01
High Growth 4.39
Growth 3.43
Balanced 2.64
Conservative 1.78
Defensive 1.09
Basic Growth 4.31
Ethically Minded 4.13
Cash 0.53

Financial year to date 31/12/2019

Growth option 3.43% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 6.01% 4.39% 3.43% 2.64% 1.78% 1.09% 4.31% 4.13% 0.53%
Dec 19 -0.32% -0.01% -0.06% -0.10% -0.08% -0.08% -0.32% -0.02% 0.08%
Nov 19  3.34% 2.00% 1.45% 1.03% 0.64% 0.35% 2.10% 1.81% 0.08%
Oct 19 0.83% 0.76% 0.57% 0.40% 0.27% 0.15% 0.45% 0.68% 0.08%
Sep 2019 1.64% 1.15% 0.82% 0.57% 0.31% 0.15% 1.14% 1.31% 0.08%
Aug 2019  -1.27% -0.77% -0.38% -0.09% 0.12% 0.22% -0.48% -1.14% 0.09%
July 2019  1.72% 1.21% 0.99% 0.81% 0.51% 0.30% 1.37% 1.46% 0.12%
Prior financial year returns
2018-2019 8.12% 7.12% 6.47% 5.68% 4.60% 3.55% 8.94% 6.89% 1.88%

Historical annual returns

 

Important Information

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).

More investment performance

How rates are applied

ESSSuper calculates and declares final crediting rates (which can be positive or negative) for each investment option at the end of each month (except for term deposits where interest is credited at the end of the term). The rates credited or debited to your account are the actual monthly earning rates compounded for your chosen investment options, after deducting tax, investment management fees and other costs, where applicable. Rates are declared by the close of business within 5 business/working days of the following month (excluding public holidays).

Interim rates

If you were to close your account on the 10th of a month, interim rates would be used to calculate earnings on your account for the period from the 1st of the month to the 10th of the month. The earning rates used to calculate earnings on your account for previous months in the current financial year will be calculated using the final declared rates for those months.

The interim rates are designed to closely reflect the investment returns for each investment option from the last declared monthly rate until the time of transaction.

Interim crediting rates

Interim Net Crediting Rates as at 23 January 2020

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
Accumulation Plan, Beneficiary Account & Working Income Stream 3.83% 3.01% 2.42% 1.89% 1.21% 0.65% 3.26% 1.91% 0.06%
Retirement Income Stream 4.39% 3.45% 2.77% 2.17% 1.39% 0.75% 3.74% 2.19% 0.07%

The interim rates shown on this page are estimates only and are subject to change as a result of changes in valuations, taxation, fees and other information. We aim to update the interim rates on this page on a weekly basis. You should keep in mind that super is generally considered to be a long-term investment. Accordingly, you should think carefully about making changes in response to short-term fluctuations in the value of your investments.

Interim rates are available each Friday from 12pm.