Australia Post Superannuation Scheme

Crediting rates to 30 September 2020

Member Savings accounts (including Spouse and Rollover accounts)

	Cash	Conservative	Balanced	High Growth
3 months	0.06%	1.92%	3.07%	3.74%
9 months	0.35%	0.14%	-2.44%	-3.83%
1 year	0.56%	1.30%	0.04%	-0.18%
3 years (p.a)	1.22%	3.67%	4.44%	4.71%
5 years (p.a)	1.36%	n/a	5.09%	n/a

Transition to Retirement (TTR)* Pensions

	Cash	Conservative	Balanced	High Growth
3 months	0.06%	1.92%	3.07%	3.74%
9 months	0.35%	0.14%	-2.44%	-3.83%
1 year	0.56%	1.30%	0.04%	-0.18%
3 years (p.a)	1.22%	3.67%	4.44%	4.71%
5 years (p.a)	1.45%	n/a	5.28%	n/a

APSS Pensions (Tax free)*

	Cash	Conservative	Balanced	High Growth
3 months	0.07%	2.20%	3.48%	4.23%
9 months	0.42%	0.04%	-2.82%	-4.49%
1 year	0.67%	1.37%	-0.02%	-0.41%
3 years (p.a)	1.44%	4.21%	5.10%	5.38%
5 years (p.a)	1.60%	n/a	5.75%	n/a

Note: 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).

*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... fact sheetOpens in new window for more information.

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

Crediting rates to 30 September 2020

Member Savings accounts (including Spouse and Rollover accounts)

Transition to Retirement (TTR)* Pensions

APSS Pensions (Tax free)*

Calculate your own crediting rates