Monthly crediting rates
January 28 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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View historic annual performance details below, or download the annual Crediting Rates at 30 June 2020 (summary) (PDF 49KB).
Accumulation Plan
Financial Year to Date (FYTD) Performance
Shares Only |
13.54 |
High Growth |
10.60 |
Growth |
7.91 |
Balanced |
6.09 |
Conservative |
4.03 |
Defensive |
2.31 |
Basic Growth |
8.36 |
Ethically Minded
|
10.26 |
Cash |
0.09 |
Financial year to date 31 December 2020
Growth option 7.91% (FYTD)
|
Shares Only |
High Growth |
Growth |
Balanced |
Conservative |
Defensive |
Basic Growth |
Ethically Minded |
Cash |
FYTD |
13.54% |
10.60% |
7.91% |
6.09% |
4.03% |
2.31% |
8.36% |
10.26% |
0.09% |
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 |
13.54 |
High Growth |
10.60 |
Growth |
7.91 |
Balanced |
6.09 |
Conservative |
4.03 |
Defensive |
2.31 |
Basic Growth |
8.36 |
Ethically Minded
|
10.26 |
Cash |
0.09 |
Financial year to date 31 December 2020
Growth option 7.91% (FYTD)
|
Shares Only |
High Growth |
Growth |
Balanced |
Conservative |
Defensive |
Basic Growth |
Ethically Minded |
Cash |
FYTD |
13.54% |
10.60% |
7.91% |
6.09% |
4.03% |
2.31% |
8.36% |
10.26% |
0.09% |
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 |
15.58 |
High Growth |
12.19 |
Growth |
9.10 |
Balanced |
7.01 |
Conservative |
4.65 |
Defensive |
2.67 |
Basic Growth |
9.61 |
Ethically Minded |
11.81 |
Cash |
0.11 |
Financial year to date 31 December 2020
Growth option 9.10% (FYTD)
|
Shares Only |
High Growth |
Growth |
Balanced |
Conservative |
Defensive |
Basic Growth |
Ethically Minded |
Cash |
FYTD |
15.58% |
12.19% |
9.10% |
7.01% |
4.65% |
2.67% |
9.61% |
11.81% |
0.11% |
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 |
13.54 |
High Growth |
10.60 |
Growth |
7.91 |
Balanced |
6.09 |
Conservative |
4.03 |
Defensive |
2.31 |
Basic Growth |
8.36 |
Ethically Minded
|
10.26 |
Cash |
0.09 |
Financial year to date 31 December 2020
Growth option 7.91% (FYTD)
|
Shares Only |
High Growth |
Growth |
Balanced |
Conservative |
Defensive |
Basic Growth |
Ethically Minded |
Cash |
FYTD |
13.54% |
10.60% |
7.91% |
6.09% |
4.03% |
2.31% |
8.36% |
10.26% |
0.09% |
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
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 January 2021
Accumulation Plan, Beneficiary Account, and Working Income Stream
Shares Only |
High Growth |
Growth |
Balanced |
Conservative |
Defensive |
Basic Growth |
Ethically Minded |
Cash |
2.27% |
1.98% |
1.40% |
1.08% |
0.67% |
0.27% |
1.67% |
0.75% |
0.00% |
Retirement Income Stream
Shares Only |
High Growth |
Growth |
Balanced |
Conservative |
Defensive |
Basic Growth |
Ethically Minded |
Cash |
2.60% |
2.27% |
1.60% |
1.24% |
0.76% |
0.31% |
1.91% |
0.85% |
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.