Crediting Rates

Note: Crediting Rates displayed on this calculator are a guide only and may be subject to very small variances of between 0.01%-0.02% compared to the actual crediting rates. Please email sr@apss.com.au if you require a more precise calculation.

Crediting Rates are used to allocate investment returns to Member Savings and Pension accounts in the APSS. Crediting Rates for each investment option are declared fortnightly and interim Crediting Rates are generally applied when benefit payments are made.

There are four investments options: Cash, Conservative, Balanced and High Growth.

*If you select 'Member Savings account', this calculation will assume you are an Employee, Spouse or Rollover member. If you have a Transition to Retirement (TTR) pension, select 'Pension account (TTR)' because, from 1 July 2017, your Pension is taxed differently to a Pension account.

**If you select Cash or Balanced and a start date before 1 July 2017, the Crediting Rates to 30 June 2017 will be calculated based on Crediting Rates that applied to the old 'Cash Return' or 'Market Return' investment options respectively, subject to limitations explained in the two additional notes below.
There are no Crediting Rates for the Conservative and High Growth options before their commencement date of 1 July 2017.
If you were a Rollover member, investment returns calculated pre-9 July 2008^ do not apply to you because unit prices were used rather than Crediting Rates.

*** The end date cannot be later than the date of the last declared Crediting Rate. When benefits are paid, the returns from the last declared Crediting Rate to the date of benefit payment will generally be based on an Interim Crediting Rate. Declared Crediting Rates are used for member investment switches.


Additional Notes:
1. The Cash option's Crediting Rate history before its commencement on 1 July 2017 is the same as for the old 'Cash Return' investment option, which commenced at the following dates:
 - 1 July 2007^ for Members Savings accounts
 - 5 August 2009^ for Pension accounts (including TTRs)

2. The Balanced option's Crediting Rate history before its commencement on 1 July 2017 is the same as for the old 'Market Return' investment option, which commenced at the following dates:
 -1 July 2007^ for Member Savings accounts
 -1 July 2008^ for Pension accounts (including TTRs)

^If you are an Employee or Spouse member, Crediting Rates prior to 1 July 2007 are shown below.
If you are a Rollover or Pension Member and you require investment returns for periods earlier than available in this calculator, please refer to your periodic statements or call SuperPhone on 1300 360 373 to request a calculation to be made. Please note that it may take a few days to calculate a special request.

Important Reminder: Past investment returns are not necessarily indicative of future investment returns.

Member Savings Crediting Rates Before 1 July 2007

Before 1 July 2007, Member Savings Crediting Rates were smoothed and declared annually at 30 June each year. Use the following to view smoothed pre-1 July 2007 Crediting Rates, including compound average returns for the 3, 5, 10 and 15 years to 30 June 2007:

Select period:         
     

Smoothed Crediting Rate was:     23%