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Credited Interest Rates
Interest Credited to Member Accounts
Credited Interest Rates (CIRs) are the positive or negative earning rates applied to your accounts after investment management costs have been deducted. CIRs are determined monthly.
Please be aware that the actual returns applied to your account are based upon the CIRs and will depend on the investment option you are invested in, the period of time that you were invested in the option and the timing of cash flows into and out of your account(s). For application purposes, the monthly CIRs are first annualised and then an adjustment is made to take into account the actual number of days in each month.
Latest Credited Interest Rates
CIRs (all divisions except for Division 9 and Division 14)
| Investment Option | |||||
|---|---|---|---|---|---|
| Cash | Conservative | Balanced | Growth | Aggressive | |
| Jul 2011 | 0.37% | 0.01% | -0.65% | -1.09% | -1.84% |
| Aug 2011 | 0.38% |
-0.42% |
-1.28% |
-1.78% |
-2.63% |
| Sep 2011 | 0.35% |
-0.58% |
-1.47% |
-2.00% |
-2.79% |
| Oct 2011* | 0.37% | 1.27% | 2.21% | 2.70% | 3.51% |
| Nov 2011 | 0.35% | -0.05% | -0.62% | -0.94% | -1.56% |
| Dec 2011 | 0.35% | 0.43% | 0.13% | -0.11% | -0.46% |
*This includes the distribution of the Investment Fluctuation Reserve as described in the Super News section.
CIRs are net of investment tax.
For CIR history, click here.
CIRs (Division 9 and Division 14)
For members of Division 9 - Flexible Income Stream and Division 14 - Transition to Retirement, different CIRs are issued to recognise the different tax treatment of investment earnings within these accounts. There is no tax paid on the investment earnings within income stream accounts.
| Investment Option | |||||
|---|---|---|---|---|---|
| Cash | Conservative | Balanced | Growth | Aggressive | |
| Jul 2011 | 0.44% | 0.04% | -0.71% | -1.21% | -2.06% |
| Aug 2011 | 0.45% |
-0.45% |
-1.42% |
-1.98% |
-2.92% |
| Sep 2011 | 0.41% |
-0.64% |
-1.62% |
-2.23% |
-3.11% |
| Oct 2011* | 0.44% | 1.44% | 2.47% | 3.00% | 3.89% |
| Nov 2011 | 0.41% | -0.01% | -0.65% | -1.00% | -1.69% |
| Dec 2011 | 0.41% | 0.52% | 0.17% | -0.10% | -0.50% |
*This includes the distribution of the Investment Fluctuation Reserve as described in the Super News section.
For Division 9 and Division 14 CIR history, click here.
