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Monthly crediting rates

October 26 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 2.88
High Growth 2.39
Growth 1.83
Balanced 1.24
Conservative 0.82
Defensive 0.45
Basic Growth 1.51
Ethically Minded 1.76
Cash 0.01

Financial year to date (30 September 2021)

Growth option 1.83% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 2.88% 2.39% 1.83% 1.24% 0.82% 0.45% 1.51% 1.76% 0.01%
September 2021 -1.70% -1.28% -0.86% -0.73% -0.44% -0.41% -1.67% -2.13% 0.00%
August 2021 3.30% 2.61% 1.86% 1.24% 0.69% 0.36% 1.71% 1.95% 0.00%
July 2021 1.31% 1.08% 0.84% 0.75% 0.57% 0.50% 1.50% 1.99% 0.00%
Prior financial year returns
2020-2021 26.51% 21.73% 15.62% 11.72% 7.27% 3.65% 18.99% 19.24% 0.11%

Historical annual returns

Working Income Stream

Financial Year to Date (FYTD) Performance

Shares Only 2.88
High Growth 2.39
Growth 1.83
Balanced 1.24
Conservative 0.82
Defensive 0.45
Basic Growth 1.51
Ethically Minded 1.76
Cash 0.01

Financial year to date (30 September 2021)

Growth option 1.83% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 2.88% 2.39% 1.83% 1.24% 0.82% 0.45% 1.51% 1.76% 0.01%
September 2021 -1.70% -1.28% -0.86% -0.73% -0.44% -0.41% -1.67% -2.13% 0.00%
August 2021 3.30% 2.61% 1.86% 1.24% 0.69% 0.36% 1.71% 1.95% 0.00%
July 2021 1.31% 1.08% 0.84% 0.75% 0.57% 0.50% 1.50% 1.99% 0.00%
Prior financial year returns
2020-2021 26.51% 21.73% 15.62% 11.72% 7.27% 3.65% 18.99% 19.24% 0.11%

Historical annual returns

Retirement Income Stream

Financial Year to Date (FYTD) Performance

Shares Only 3.29
High Growth 2.73
Growth 2.10
Balanced 1.43
Conservative 0.94
Defensive 0.51
Basic Growth 1.73
Ethically Minded 2.01
Cash 0.01

Financial year to date (30 September 2021)

Growth option 2.10% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 3.29% 2.73% 2.10% 1.43% 0.94% 0.51% 1.73% 2.01% 0.01%
September 2021 -1.94% -1.47% -0.99% -0.84% -0.51% -0.47% -1.91% -2.43% 0.00%
August 2021 3.78% 2.99% 2.13% 1.42% 0.79% 0.41% 1.95% 2.23% 0.00%
July 2021 1.50% 1.23% 0.97% 0.86% 0.66% 0.57% 1.72% 2.27% 0.00%
Prior financial year returns
2020-2021 30.57% 25.04% 17.96% 13.53% 8.42% 4.35% 21.52% 22.48% 0.13%

Historical annual returns

Beneficiary Account

Financial Year to Date (FYTD) Performance

Shares Only 2.88
High Growth 2.39
Growth 1.83
Balanced 1.24
Conservative 0.82
Defensive 0.45
Basic Growth 1.51
Ethically Minded 1.76
Cash 0.01

Financial year to date (30 September 2021)

Growth option 1.83% (FYTD)

 

  Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
FYTD 2.88% 2.39% 1.83% 1.24% 0.82% 0.45% 1.51% 1.76% 0.01%
September 2021 -1.70% -1.28% -0.86% -0.73% -0.44% -0.41% -1.67% -2.13% 0.00%
August 2021 3.30% 2.61% 1.86% 1.24% 0.69% 0.36% 1.71% 1.95% 0.00%
July 2021 1.31% 1.08% 0.84% 0.75% 0.57% 0.50% 1.50% 1.99% 0.00%
Prior financial year returns
2020-2021 26.51% 21.73% 15.62% 11.72% 7.27% 3.65% 18.99% 19.24% 0.11%

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 21 October 2021

 
Accumulation Plan, Beneficiary Account, and Working Income Stream

Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
1.05% 1.28% 0.94% 0.67% 0.35% 0.00% 1.21% 1.07% 0.00%

 
Retirement Income Stream

Shares Only High Growth Growth Balanced Conservative Defensive Basic Growth Ethically Minded Cash
1.20% 1.47% 1.07% 0.76% 0.40% -0.01% 1.39% 1.23% 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 (except public holidays).