You can track the performance of your super investments every day by viewing the crediting rates.

The following crediting rates are published on this website every day:

1. Daily rate

A daily crediting rate is determined for each investment option. The daily rate is the investment return for the day to be allocated to members’ accounts. It is determined after deducting all investment fees, expenses and providing for appropriate provisions such as tax. The rate is the last available rate. This may be up to two business days old.

2. Monthly rate

The monthly rate is the investment return for the month, calculated from the daily rates on a compounding basis. This calculation is (1 + day) x (1 +day₂) x … (1 + day₅) – 1 where day_n is the daily percentage divided by 100 for the nth day of the month.

3. Financial year-to-date rate

The financial year-to-date rate is the rate calculated from 1 July each year through to the most recent completed day. This rate is calculated by compounding the monthly rates that are available and the latest available daily rates for the current month. This rate will change every day depending on market fluctuations.

The crediting rates declared can be positive or negative depending on investment performance. A negative crediting rate can result in a reduction in your account balance.

When are crediting rates published

Daily rates and financial year-to-date rates will be published each Melbourne business day. Monthly rates are published every month.

A daily crediting rate is determined each Melbourne business day for each investment option (excluding ASX 200 Shares Investment Option).

The timing each day for the reporting on investment performance is as follows:

• The portfolios are valued each business day for each of the investment options.
• Trades executed and prices for securities held in global markets, ie. Europe and US, are received the next business morning.
• The portfolios are valued and checked for accuracy. 
• The custodian (JP Morgan) then calculates the crediting rates effective the preceding day.
• AustralianSuper receives the rates from JP Morgan that afternoon. Further checks and balances are performed.
• The rates are then distributed by the next business morning.

Daily rates for Saturday, Sunday and National public holidays are set at zero.

Since inception, half-yearly and annual performance rates are generally available as follows:

AustralianSuper’s reserving policy

A reserve is the part of the Fund's assets that is not allocated to members' accounts when interest is credited. AustralianSuper maintains an investment contingency reserve which is funded by retaining a small part of investment earnings that would otherwise be allocated to members accounts via crediting rates. 

AustralianSuper's taxation policy

In relation to PreMixed investments and DIY Mixed investments where there is an exposure to Australian shares, the daily crediting rate calculated includes a “franking credit uplift” factor. This uplift factor is applied only to those options that receive an entitlement to franking credits based on their exposure to Australian shares. The rate of the uplift factor is set each 12 months based on the experience in the prior period and is reviewed on a quarterly basis to ensure it is still appropriate based on market conditions.