Remember, limited services apply from 22 April ahead of the APSS merger with Australian Retirement Trust on 30 April.
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Crediting rates to 31 March 2022

The three months to 31 March 2022 was a challenging quarter for investments, with share and bond markets weakening globally. Parts of the global share market also saw a sell-off, especially in the Information Technology sector, which had made strong gains in the previous two years. Read more in our latest newsOpens in new window update.

Member Savings accounts (including Spouse and Rollover accounts)

Cash Conservative Balanced High Growth
3 months 0.00% -3.19% -2.86%  -2.90%
9 months 0.01% -1.22% 1.86% 2.60%
1 year 0.03% 2.04% 7.95% 9.81%
3 years (p.a) 0.42% 3.06% 6.53% 8.10%
5 years (p.a) 0.90% n/a 6.81% n/a
10 years (p.a) 1.49% n/a 7.54% n/a

Transition to Retirement (TTR)* Pensions

Cash Conservative Balanced High Growth
3 months 0.00% -3.19%  -2.86% -2.90%
9 months 0.01% -1.22% 1.86% 2.60%
1 year 0.03% 2.04% 7.95% 9.81%
3 years (p.a) 0.42% 3.06%  6.53% 8.10%
5 years (p.a) 0.91%  n/a 6.88% n/a
10 years (p.a) 1.71% n/a 8.07% n/a

APSS Pensions (Tax free)*

Cash Conservative Balanced High Growth
3 months 0.00% -3.06%  -3.17% -3.07%
9 months 0.00% -1.35%  2.19%  3.12%
1 year 0.02% 2.42% 9.11% 11.29%
3 years (p.a) 0.50% 3.50% 7.37% 9.18%
5 years (p.a) 1.05% n/a 7.80% n/a
10 years (p.a) 1.78% n/a 8.53% n/a

Notes:

The compound crediting rates shown above are after investment costs and tax (where applicable). Before 1 July 2017, the Cash option was called 'Cash Return', and the Balanced option was called 'Market Return'''. The Conservative and High Growth options commenced on 1 July 2017, which is why returns for periods longer than 3 years are currently not applicable (n/a).

Crediting Rates displayed above are actual rates based on fortnightly crediting rate data. These rates may, in some cases, vary between 0.01%-0.02% compared to crediting rate outputs derived from the  crediting rate calculatorOpens in new window referred to above right.

*APSS Pension investment earnings are tax-free, unless you are using an APSS Pension to transition to retirement, in which case earnings may be taxed at up to 15% if you have not turned 65 or met a relevant condition of release and notified the APSS. Use the TTR Pensions table above for the applicable crediting rates where tax applies to an APSS Pension.
Refer to our How super is taxed in 2021-22  fact sheet for more information. 

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