Crediting rates are the investment earnings for each of the Transition to Retirement (TTR) investment options. We calculate crediting rates and declare these on a daily basis.
To calculate daily crediting rates, we take into account Australian and overseas investment markets. We aim to publish rates from 11.59 pm AEST/AEDT on the next business day. However, weekends and public holidays can affect this timing. Sometimes, rates may also be delayed or paused. We’re sorry if this causes any concern.
Financial year to date: 01 July 2026 to 27 July 2026
| Conservative Growth (Default) | High Growth | Growth Plus | Growth | Indexed Diversified | Conservative | Overseas Shares | Australian Shares | Property | Diversified Fixed Interest | Cash |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.15% | -0.31% | -0.30% | -0.23% | -0.75% | -0.05% | -1.08% | 0.70% | 1.89% | -0.15% | 0.30% |
Historical crediting rates: for the daily/weekly periods shown below
Investment performance is based on the crediting rate, which is the investment return minus investment fees and costs, transaction costs and investment-related taxes and until 31 January 2020, the percentage-based administration fee. Excludes fees and costs that are deducted directly from members’ accounts. Past performance is not a reliable indicator of future performance.
For the Indexed Diversified investment option only - This investment option is invested into a range of investments called unit trusts as well as a small allocation to cash investments which form part of the investment option. The unit trusts release daily unit prices which determines most of the daily crediting rate and the investment return for this investment option.
At the end of March, June, September, and December each year, unit trusts can distribute income payments to the Fund. During these times, a unit price will not be released for a short number of days. This can cause the crediting rate for the Indexed Diversified investment option to show a crediting rate return of 0.00%. During these periods, there is still a very small investment return attributed to the allocation to the cash component of the investment option. This amount would be visible if the crediting rates was shown to four decimal places on our website.
Once the income payments have been calculated and processed, the unit prices are released, and the investment returns of the unit trusts (for the full period) are captured in the next daily crediting rate. The regular daily crediting rate updates will also resume on our website, until the next quarter end.
Thinking about changing investments when markets change?
Don't rush. Markets move up and down day-to-day. Over time, staying invested gives your super more chance to grow. Before making changes, learn what happens during these ups and downs.
Further information
What are crediting rates?
Read our factsheet to understand your investment returns and crediting rates.
Historical annual returns
See the past returns for each of the TTR investment options.