Investment returns & crediting rates
Keeping track of your investment returns allows you to project your retirement savings and ensure that you have made the right investment choices.
See below First Super’s crediting rates for 2023/24 and the average crediting rates for prior periods.
Super Fund
| Investment option | 2022/23 Financial year | Past 2 years % p.a. |
Past 3 years % p.a. |
Past 5 years % p.a. |
Past 10 years % p.a. |
Since Inception | Inception Date |
|---|---|---|---|---|---|---|---|
| Balanced (default) | 9.44% | 5.14% | 8.24% | 6.03% | 7.83% | 8.12% | 01/07/1988 |
| Shares Plus | 12.96% | 6.04% | 11.16% | 7.67% | 10.04% | 6.70% | 01/03/2001 |
| Growth | 11.49% | 5.59% | 9.72% | 6.84% | 8.87% | 9.34% | 14/10/2011 |
| Conservative Balanced | 6.76% | 3.44% | 5.51% | 4.35% | 5.93% | 5.46% | 01/07/2008 |
| Cash | 2.74% | 1.51% | 1.15% | 1.37% | 1.93% | 3.52% | 01/03/2001 |
Pension Fund
| Investment option | 2022/23 Financial year | Past 2 years % p.a. |
Past 3 years % p.a. |
Past 5 years % p.a. |
Past 10 years % p.a. |
Since Inception | Inception Date |
|---|---|---|---|---|---|---|---|
| Balanced (default) | 10.14% | 5.54% | 8.99% | 6.51% | 8.37% | 7.46% | 18/03/2005 |
| Shares Plus | 14.36% | 6.83% | 12.52% | 8.53% | 10.87% | 8.56% | 01/07/2005 |
| Growth | 12.72% | 6.40% | 11.03% | 7.77% | n/a | 9.60% | 10/08/2013 |
| Conservative Balanced | 7.50% | 3.92% | 6.25% | 4.95% | 6.68% | 6.16% | 01/07/2008 |
| Cash | 3.23% | 1.78% | 1.37% | 1.59% | 2.24% | 3.31% | 01/07/2005 |
Past investment returns are not a reliable indication of future returns. Crediting rates are the return minus investment costs and taxes and allowing for reserves.
At First Super, we update our investment returns monthly. Here are our latest figures by investment option.
First Super investment returns to 31 October 2023
Super Fund
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 1.50 | 0.25 | -1.46 | -1.09 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -0.80 | -2.30 | 5.92 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 2.04 | 0.13 | -2.47 | -2.00 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -2.29 | -4.33 | 6.49 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 1.71 | 0.22 | -2.02 | -1.59 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -1.68 | -3.39 | 6.28 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 1.10 | 0.39 | -0.87 | -0.68 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -0.06 | -1.16 | 4.56 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 0.87 | 0.33 | 0.32 | 0.28 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | 1.80 | 0.93 | 4.00 |
Pension Fund
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 1.30 | 0.30 | -1.64 | -1.28 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -1.32 | -2.62 | 6.01 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 1.90 | 0.14 | -2.65 | -2.15 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -2.76 | -4.66 | 7.07 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 1.60 | 0.23 | -2.18 | -1.71 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -2.05 | -3.66 | 6.84 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 |
Nov 2023 | Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 0.93 | 0.43 | -0.95 | -0.75 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | -0.33 | -1.26 | 4.62 |
| Jul 2023 | Aug 2023 | Sep 2023 | Oct 2023 | Nov 2023 |
Dec 2023 | YTD | Past 3 mths | Rolling 12 mths |
|---|---|---|---|---|---|---|---|---|
| 0.33 | 0.39 | 0.38 | 0.33 | – | – | |||
| Jan 2024 | Feb 2024 | Mar 2024 | Apr 2024 | May 2024 | Jun 2024 | |||
| – | – | – | – | – | – | 1.43 | 1.10 | 4.01 |
Past investment returns are not a reliable indication of future returns. Investment returns are based on the interim crediting rate which is the return minus estimated investment costs and taxes. Numbers may not add up precisely to the totals provided due to the rounding of those numbers to two decimal points.
We’re here to help. So let’s talk.
If you would like to know more about the investment returns or have any other questions, please don’t hesitate to call our Member Services Team on 1300 360 988, or email us.
Your super account earns investment income at the Fund’s declared crediting rate. The crediting rate used will depend on the investment option(s) you have selected. More information about crediting rates can be found in the First Super PDS and the First Super Pension PDS. The actual returns are based on the performance of the underlying investments and First Super does not guarantee or promise any specific rate of return.