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Monthly crediting rates

August 05 2021

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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The tables below show the declared monthly crediting rates for the financial year to date.

Additional information is also available on our Investment performance flyer (PDF 49.9KB).

Accumulation Plan

Financial Year to Date (FYTD) Performance

Shares Only 26.51
High Growth 21.73
Growth 15.62
Balanced 11.72
Conservative 7.27
Defensive 3.65
Basic Growth 18.99
Ethically Minded 19.24
Cash 0.11

Financial year to date 30 June 2021

Growth option 15.62% (FYTD)


 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
2020-2021 26.51% 21.73% 15.62% 11.72% 7.27% 3.65% 18.99% 19.24% 0.11%
June 2021 3.32% 2.93% 2.26% 1.65% 1.09% 0.57% 2.88% 1.22% 0.00%
May 2021 0.59% 0.59% 0.54% 0.47% 0.32% 0.22% 1.09% 1.51% 0.00%
April 2021 3.04% 2.79% 2.03% 1.59% 1.01% 0.56% 2.35% 3.09% 0.00%
March 2021 2.92% 2.22% 1.45% 1.04% 0.53% 0.24% 2.22% 2.39% 0.00%
February 2021 1.22% 1.02% 0.48% 0.26% -0.03% -0.27% 0.86% -0.19% 0.01%
January 2021 -0.13% 0.15% 0.20% 0.20% 0.17% -0.01% 0.06% -0.09% 0.00%
December 2020 1.27% 1.13% 0.98% 0.81% 0.60% 0.37% 0.76% 1.54% 0.01%
November 2020 7.76%  6.02%  4.24%  3.17%  1.99%  1.13%  5.59%  4.41%  0.01% 
October 2020 0.69%  0.70%  0.62%  0.46%  0.37%  0.22%  -0.03%  0.50%  0.02% 
September 2020  -1.47% -1.15%  -0.78%  -0.58%  -0.31%  -0.14%  -1.15%  -0.66%  0.02% 
August 2020 3.10% 2.23% 1.50% 1.09% 0.58% 0.27% 2.15% 1.27% 0.02%
July 2020 1.72% 1.36% 1.15% 1.02%  0.76% 0.44% 0.88% 2.87% 0.02%
Prior financial year returns
2019-2020 0.06% -0.24% -0.08% 0.35% 0.77% 1.24% 0.39% -1.13% 0.88%

Historical annual returns

Working Income Stream

Financial Year to Date (FYTD) Performance

Shares Only 26.51
High Growth 21.73
Growth 15.62
Balanced 11.72
Conservative 7.27
Defensive 3.65
Basic Growth 18.99
Ethically Minded 19.24
Cash 0.11

Financial year to date 30 June 2021

Growth option 15.62% (FYTD)


 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
2020-2021 26.51% 21.73% 15.62% 11.72% 7.27% 3.65% 18.99% 19.24% 0.11%
June 2021 3.32% 2.93% 2.26% 1.65% 1.09% 0.57% 2.88% 1.22% 0.00%
May 2021 0.59% 0.59% 0.54% 0.47% 0.32% 0.22% 1.09% 1.51% 0.00%
April 2021 3.04% 2.79% 2.03% 1.59% 1.01% 0.56% 2.35% 3.09% 0.00%
March 2021 2.92% 2.22% 1.45% 1.04% 0.53% 0.24% 2.22% 2.39% 0.00%
February 2021 1.22% 1.02% 0.48% 0.26% -0.03% -0.27% 0.86% -0.19% 0.01%
January 2021 -0.13% 0.15% 0.20% 0.20% 0.17% -0.01% 0.06% -0.09% 0.00%
December 2020 1.27% 1.13% 0.98% 0.81% 0.60% 0.37% 0.76% 1.54% 0.01%
November 2020 7.76%  6.02%  4.24%  3.17%  1.99%  1.13%  5.59%  4.41%  0.01% 
October 2020 0.69%  0.70%  0.62%  0.46%  0.37%  0.22%  -0.03%  0.50%  0.02% 
September 2020  -1.47% -1.15%  -0.78%  -0.58%  -0.31%  -0.14%  -1.15%  -0.66%  0.02% 
August 2020 3.10% 2.23% 1.50% 1.09% 0.58% 0.27% 2.15% 1.27% 0.02%
July 2020 1.72% 1.36% 1.15% 1.02%  0.76% 0.44% 0.88% 2.87% 0.02%
Prior financial year returns
2019-2020 0.06% -0.24% -0.08% 0.35% 0.77% 1.24% 0.39% -1.13% 0.88%

Historical annual returns

Retirement Income Stream

Financial Year to Date (FYTD) Performance

Shares Only 30.57
High Growth 25.04
Growth 17.96
Balanced 13.53
Conservative 8.42
Defensive 4.35
Basic Growth 21.52
Ethically Minded 22.48
Cash 0.13

Financial year to date 30 June 2021

Growth option 17.96% (FYTD)


 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
2020-2021 30.57% 25.04% 17.96% 13.53% 8.42% 4.35% 21.52% 22.48% 0.13%
June 2021 3.59% 3.17% 2.40% 1.79% 1.21% 0.74% 2.88% 1.42% 0.00%
May 2021 0.68% 0.68% 0.61% 0.54% 0.36% 0.25% 1.25% 1.72% 0.00%
April 2021 3.53% 3.27% 2.43% 1.92% 1.22% 0.68% 2.72% 3.69% 0.00%
March 2021 3.35% 2.54% 1.66% 1.18% 0.61% 0.28% 2.54% 2.73% 0.00%
February 2021 1.39% 1.16% 0.55% 0.30% -0.04% -0.31% 0.98% -0.22% 0.01%
January 2021 -0.15% 0.17% 0.22% 0.23% 0.19% -0.01% 0.07% -0.10% 0.00%
December 2020 1.45% 1.29% 1.12% 0.93% 0.69% 0.42% 0.87% 1.77% 0.01%
November 2020 8.91%  6.91%  4.87%  3.64%  2.29%  1.30%  6.41%  5.06%  0.01% 
October 2020 0.79%  0.80%  0.71%  0.53%  0.43%  0.25%  -0.03%  0.57%  0.02% 
September 2020  -1.68%  -1.31%  -0.89% -0.66%  -0.35%  -0.16%  -1.31%  -0.75%  0.02% 
August 2020 3.55% 2.55% 1.72% 1.25% 0.66% 0.31% 2.46% 1.45% 0.02%
July 2020 1.96% 1.56% 1.33% 1.18%  0.87% 0.52% 1.01% 3.28% 0.02%
Prior financial year returns
2019-2020 -0.02% -0.22% 0.03% 0.55% 1.01% 1.52% 0.43% -1.37% 1.05%

Historical annual returns

Beneficiary Account

Financial Year to Date (FYTD) Performance

Shares Only 26.51
High Growth 21.73
Growth 15.62
Balanced 11.72
Conservative 7.27
Defensive 3.65
Basic Growth 18.99
Ethically Minded 19.24
Cash 0.11

Financial year to date 30 June 2021

Growth option 15.62% (FYTD)


 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
2020-2021 26.51% 21.73% 15.62% 11.72% 7.27% 3.65% 18.99% 19.24% 0.11%
June 2021 3.32% 2.93% 2.26% 1.65% 1.09% 0.57% 2.88% 1.22% 0.00%
May 2021 0.59% 0.59% 0.54% 0.47% 0.32% 0.22% 1.09% 1.51% 0.00%
April 2021 3.04% 2.79% 2.03% 1.59% 1.01% 0.56% 2.35% 3.09% 0.00%
March 2021 2.92% 2.22% 1.45% 1.04% 0.53% 0.24% 2.22% 2.39% 0.00%
February 2021 1.22% 1.02% 0.48% 0.26% -0.03% -0.27% 0.86% -0.19% 0.01%
January 2021 -0.13% 0.15% 0.20% 0.20% 0.17% -0.01% 0.06% -0.09% 0.00%
December 2020 1.27% 1.13% 0.98% 0.81% 0.60% 0.37% 0.76% 1.54% 0.01%
November 2020 7.76%  6.02%  4.24%  3.17%  1.99%  1.13%  5.59%  4.41%  0.01% 
October 2020 0.69%  0.70%  0.62%  0.46%  0.37%  0.22%  -0.03%  0.50%  0.02% 
September 2020  -1.47% -1.15%  -0.78%  -0.58%  -0.31%  -0.14%  -1.15%  -0.66%  0.02% 
August 2020 3.10% 2.23% 1.50% 1.09% 0.58% 0.27% 2.15% 1.27% 0.02%
July 2020 1.72% 1.36% 1.15% 1.02%  0.76% 0.44% 0.88% 2.87% 0.02%
Prior financial year returns
2019-2020 0.06% -0.24% -0.08% 0.35% 0.77% 1.24% 0.39% -1.13% 0.88%

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 29 July 2021

 
Accumulation Plan, Beneficiary Account, and Working Income Stream

Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
1.14% 0.91% 0.70% 0.63% 0.50% 0.45% 1.49% 1.67% 0.00%

 
Retirement Income Stream

Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
1.30% 1.04% 0.80% 0.73% 0.58% 0.52% 1.71% 1.90% 0.00%

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 12:00pm.