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Accumulation Plan

March 30 2020

If you’re a member of any ESSSuper’s defined benefit funds, you or your spouse can open an Accumulation Plan account today. The Accumulation Plan allows you to top up your super, consolidate other super funds or apply for extra insurance cover.

How the Accumulation Plan can work for you?

With flexible contributions, insurance, investment and beneficiary options, you can manage your super to meet your retirement goals with an Accumulation Plan. And if eligible, both you and your employer can contribute and you can apply for insurance cover to age 65. An Accumulation Plan is available to you while you’re working or retired.

The Accumulation Plan provides lump sum benefits (with the exception of some insurance benefits). If you change careers you can choose for your new employer to make superannuation guarantee contributions into your Accumulation Plan. Spouse accounts are also available so you and your spouse can both have your super with ESSSuper.

If you're a member of one of ESSSuper’s defined benefit funds, the Accumulation Plan lets you top up your super or apply for extra insurance cover.


Why choose an Accumulation Plan?

ESSSuper's Accumulation Plan has a range of features

  • accepts contributions from you or any of your employers
  • allows you to keep your super with ESSSuper if you change jobs
  • enables you to consolidate other super funds1
  • provides optional insurance cover up to age 652 (subject to eligibility)
  • allows binding death benefit nominations
  • gives you the option to select from nine investment options
  • offers competitive fees
  • your spouse can join ESSSuper too

    1. You should check any relevant exit fees you may incur, or any insurance arrangements that may be forfeited, or any other effects this transfer may have on your benefits, before rolling your money into our fund.

    2. Insurance cover is subject to eligibility criteria and other terms and conditions in the Policy. Please read the Product Disclosure Statement relevant to your particular fund, available from ESSSuper, for more information.


How do we rate?

A "best value for money" fund. Well balanced across all key assessment criteria in a robust, secure and proven risk framework. The fund provides features that should assist most individuals to meet their retirement goals.

- SuperRatings Assessment

For the tenth consecutive year, independent superannuation research and rating organisation, SuperRatings, has given our Accumulation Plan a Platinum rating (the highest rating possible).

SuperRatings logo blue  SR2019_RGB_BDR_Choice-Platinum  SR2019_10YRPP_RGB_BDR 

Read the report (PDF 173.2KB)

SuperRatings is an independently owned superannuation research company providing data analysis, information and commentary to both the public and the superannuation industry. Established in 2002, it is the most widely used and accepted ratings firm in the superannuation industry. Refer to www.superratings.com.au for more information.

Considering an Accumulation Plan?

Download the PDS and application forms to learn more



This document is issued by Emergency Services Superannuation Board ABN 28 161 296 741 the Trustee of the Emergency Services Superannuation Scheme ABN 85 894 637 037 (ESSSuper). The information contained in this document is of a general nature only. It should not be considered as a substitute for reading ESSSuper’s Product Disclosure Statement (PDS) that contains detailed information about ESSSuper products, services and features. Before making a decision about an ESSSuper product, you should consider the appropriateness of the product to your personal objectives, financial situation and needs. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. An ESSSuper PDS is available at www.esssuper.com.au or by calling 1300 650 161