Returns – Retirement and Transition to Retirement

This page only applies if you have an Income Account in Gateway.

Here are the weekly credited interest rates for each investment option for Income Accounts from 1 July 2015.

Note: Effective 1 July 2017, earnings on assets supporting transition to retirement income streams are no longer tax-free. Credited interest rates are calculated net of any applicable tax on investment earnings, therefore, from 1 July 2017, different credited interest rates will be apply to Income Accounts for the retirement phase and Income Accounts for the transition to retirement phase. These changes are reflected in the table below.

You can also see other investment returns on the following pages:

Note: Performance is not a reliable indicator of future performance.

Swipe / scroll table to see more data

Week beginning

Glidepath1

Aggressive

Growth

Balanced

Conservative

Cash

Take-Off

Altitude

Cruising

Destination

08/11/17

Retirement

-0.20% -0.22% -0.19% -0.18% -0.20% -0.22% -0.18% -0.16% 0.03%

08/11/17

Transition to retirement

-0.18% -0.19% -0.17% -0.16% -0.18% -0.19% -0.16% -0.15% 0.03%

01/11/17

Retirement

0.58% 0.54% 0.52% 0.50% 0.58% 0.54% 0.50% 0.44% 0.03%

01/11/17

Transition to retirement

0.53% 0.49% 0.48% 0.45% 0.53% 0.49% 0.45% 0.40% 0.03%

25/10/17

Retirement

0.85% 0.73% 0.70% 0.67% 0.85% 0.73% 0.67% 0.54% 0.03%

25/10/17

Transition to retirement

0.80% 0.69% 0.66% 0.61% 0.80% 0.69% 0.62% 0.49% 0.03%

18/10/17

Retirement

0.37% 0.32% 0.31% 0.30% 0.37% 0.32% 0.30% 0.26% 0.03%

18/10/17

Transition to retirement

0.33% 0.28% 0.28% 0.27% 0.33% 0.28% 0.27% 0.23% 0.02%

11/10/17

Retirement

0.58% 0.53% 0.46% 0.40% 0.58% 0.53% 0.40% 0.32% 0.03%

11/10/17

Transition to retirement

0.55% 0.50% 0.44% 0.38% 0.55% 0.49% 0.38% 0.30% 0.03%

04/10/17

Retirement

0.67% 0.55% 0.50% 0.47% 0.67% 0.55% 0.47% 0.34% 0.03%

04/10/17

Transition to retirement

0.61% 0.50% 0.46% 0.41% 0.60% 0.50% 0.42% 0.30% 0.03%

27/09/17

Retirement

1.06% 0.83% 0.77% 0.69% 1.06% 0.83% 0.69% 0.47% 0.03%

27/09/17

Transition to retirement

0.97% 0.76% 0.72% 0.62% 0.97% 0.76% 0.63% 0.43% 0.03%

20/09/17

Retirement

0.00% -0.02% 0.06% 0.11% 0.00% -0.02% 0.11% 0.13% 0.03%

20/09/17

Transition to retirement

0.01% 0.00% 0.00% 0.10% 0.01% 0.00% 0.10% 0.12% 0.03%

13/09/17

Retirement

0.23% 0.14% 0.18% 0.17% 0.23% 0.14% 0.17% 0.16% 0.03%

13/09/17

Transition to retirement

0.21% 0.13% 0.17% 0.16% 0.21% 0.13% 0.16% 0.14% 0.03%

06/09/17

Retirement

1.22% 1.02% 0.90% 0.79% 1.22% 1.02% 0.79% 0.54% 0.03%

06/09/17

Transition to retirement

1.11% 0.93% 0.84% 0.70% 1.11% 0.93% 0.71% 0.49% 0.03%

30/08/17

Retirement

0.27% 0.26% 0.20% 0.17% 0.27% 0.26% 0.17% 0.13% 0.04%

30/08/17

Transition to retirement

0.24% 0.23% 0.18% 0.15% 0.24% 0.23% 0.15% 0.11% 0.03%

23/08/17

Retirement

-0.54% -0.44% -0.44% -0.40% -0.54% -0.44% -0.40% -0.33% 0.03%

23/08/17

Transition to retirement

-0.50% -0.41% -0.40% -0.36% -0.50% -0.41% -0.36% -0.30% 0.03%

16/08/17

Retirement

-0.17% -0.10% -0.15% -0.17% -0.17% -0.10% -0.17% -0.15% 0.03%

16/08/17

Transition to retirement

-0.17% -0.10% -0.15% -0.16% -0.17% -0.10% -0.16% -0.14% 0.03%

09/08/17

Retirement

-0.28% -0.26% -0.20% -0.14% -0.28% -0.26% -0.14% -0.09% 0.03%

09/08/17

Transition to retirement

-0.24% -0.22% -0.18% -0.12% -0.24% -0.22% -0.12% -0.08% 0.03%

02/08/17

Retirement

0.51% 0.44% 0.44% 0.44% 0.51% 0.44% 0.44% 0.37% 0.03%

02/08/17

Transition to retirement

0.47% 0.41% 0.41% 0.39% 0.47% 0.41% 0.39% 0.33% 0.03%

26/07/17

Retirement

-0.04% -0.05% -0.05% -0.06% -0.04% -0.05% -0.06% -0.06% 0.03%

26/07/17

Transition to retirement

-0.05% -0.06% -0.07% -0.08% -0.05% -0.06% -0.08% -0.08% 0.03%

19/07/17

Retirement

0.23% 0.21% 0.19% 0.17% 0.23% 0.21% 0.17% 0.13% 0.03%

19/07/17

Transition to retirement

0.21% 0.20% 0.18% 0.15% 0.21% 0.20% 0.15% 0.12% 0.03%

12/07/17

Retirement

-0.61% -0.34% -0.44% -0.47% -0.61% -0.34% -0.47% -0.28% 0.03%

12/07/17

Transition to retirement

-0.60% -0.34% -0.41% -0.42% -0.60% -0.34% -0.42% -0.23% 0.03%

05/07/17

Retirement

0.21% 0.09% 0.05% 0.01% 0.21% 0.09% 0.01% -0.09% 0.03%

05/07/17

Transition to retirement

0.19% 0.08% 0.04% 0.01% 0.19% 0.08% 0.01% -0.08% 0.03%

01/07/17 –
04/07/17

Retirement

0.40% 0.33% 0.33% 0.31% 0.40% 0.33% 0.31% 0.24% 0.02%

01/07/17 –
04/07/17^

Transition to retirement

0.37% 0.30% 0.30% 0.28% 0.37% 0.30% 0.28% 0.21% 0.02%

28/06/17 –
30/06/17^

-0.32% -0.33% -0.34% -0.35% -0.32% -0.33% -0.35% -0.32% 0.01%

21/06/17

-0.15% -0.09% -0.07% -0.04% -0.15% -0.09% -0.04% 0.01% 0.03%

14/06/17

-0.20% -0.10% -0.09% -0.08% -0.20% -0.10% -0.08% 0.03% 0.03%

07/06/17

0.25% 0.26% 0.26% 0.24% 0.25% 0.26% 0.24% 0.27% 0.03%

31/05/17

0.03% 0.08% 0.07% 0.06% 0.03% 0.08% 0.06% 0.08% 0.04%

24/05/17

0.28% 0.25% 0.23% 0.22% 0.28% 0.25% 0.22% 0.16% 0.03%

17/05/17

-0.57% -0.38% -0.34% -0.28% -0.57% -0.38% -0.28% -0.11% 0.04%

10/05/17

0.15% 0.17% 0.13% 0.11% 0.15% 0.17% 0.11% 0.09% 0.04%

03/05/17

0.93% 0.72% 0.77% 0.74% 0.93% 0.72% 0.74% 0.58% 0.04%

27/04/17

0.11% 0.15% 0.13% 0.12% 0.11% 0.15% 0.12% 0.14% 0.03%

19/04/17

1.71% 1.30% 1.20% 1.02% 1.71% 1.30% 1.02% 0.62% 0.04%

12/04/17

-0.57% -0.44% -0.43% -0.39% -0.57% -0.44% -0.39% -0.28% 0.03%

05/04/17

0.47% 0.40% 0.43% 0.42% 0.47% 0.40% 0.42% 0.34% 0.04%

29/03/17

0.40% 0.34% 0.33% 0.31% 0.40% 0.34% 0.31% 0.23% 0.03%

22/03/17

0.71% 0.55% 0.53% 0.47% 0.71% 0.55% 0.47% 0.31% 0.03%

15/03/17

-0.43% -0.28% -0.15% -0.33% -0.43% -0.28% -0.33% -0.23% 0.03%

08/03/17

0.40% 0.30% 0.24% 0.25% 0.40% 0.30% 0.25% 0.16% 0.03%

01/03/17

0.79% 0.60% 0.59% 0.53% 0.79% 0.60% 0.53% 0.41% 0.03%

22/02/17

-0.35% -0.24% -0.20% -0.16% -0.35% -0.24% -0.16% -0.06% 0.03%

15/02/17

0.31% 0.26% 0.22% 0.17% 0.31% 0.26% 0.17% 0.11% 0.03%

08/02/17

1.03% 0.87% 0.78% 0.69% 1.03% 0.87% 0.69% 0.52% 0.03%

01/02/17

-0.02% 0.00% -0.06% -0.10% -0.02% 0.00% -0.10% -0.12% 0.03%

25/01/17

0.02% -0.02% -0.03% -0.04% 0.02% -0.02% -0.04% -0.08% 0.03%

18/01/17

-0.11% -0.06% -0.07% -0.07% -0.11% -0.06% -0.07% -0.04% 0.03%

11/01/17

-0.59% -0.39% -0.44% -0.43% -0.59% -0.39% -0.43% -0.29% 0.03%

04/01/17

-0.16% -0.03% -0.12% -0.15% -0.16% -0.03% -0.15% -0.11% 0.03%

29/12/16***

0.27% 0.30% 0.23% 0.20% 0.27% 0.30% 0.20% 0.16% 0.03%

21/12/16**

0.51% 0.37% 0.36% 0.33% 0.51% 0.37% 0.33% 0.20% 0.04%

14/12/16

1.32% 0.90% 0.93% 0.83% 1.32% 0.90% 0.83% 0.55% 0.03%

07/12/16

0.94% 0.83% 0.71% 0.59% 0.94% 0.83% 0.59% 0.41% 0.03%

30/11/16

0.06% 0.03% 0.05% 0.05% 0.06% 0.03% 0.05% 0.05% 0.03%

23/11/16

-0.10% -0.04% -0.08% -0.08% -0.10% -0.04% -0.08% -0.05% 0.03%

16/11/16

1.52% 1.13% 1.06% 0.92% 1.52% 1.13% 0.92% 0.57% 0.03%

09/11/16

0.93% 0.56% 0.55% 0.44% 0.93% 0.56% 0.44% 0.19% 0.03%

02/11/16

-0.14% -0.07% -0.08% -0.07% -0.14% -0.07% -0.07% -0.01% 0.03%

26/10/16

-1.16% -0.98% -0.89% -0.76% -1.16% -0.98% -0.76% -0.55% 0.03%

19/10/16

0.13% 0.17% 0.18% 0.18% 0.13% 0.17% 0.18% 0.20% 0.03%

12/10/16

-0.60% -0.45% -0.44% -0.41% -0.60% -0.45% -0.41% -0.25% 0.03%

05/10/16

0.22% 0.14% 0.16% 0.18% 0.22% 0.14% 0.18% 0.14% 0.03%

28/09/16

0.50% 0.48% 0.46% 0.42% 0.50% 0.48% 0.42% 0.40% 0.04%

21/09/16

0.44% 0.45% 0.36% 0.28% 0.44% 0.45% 0.28% 0.23% 0.03%

14/09/16

0.51% 0.43% 0.32% 0.23% 0.51% 0.43% 0.23% 0.11% 0.03%

07/09/16

-0.89% -0.89% -0.72% -0.58% -0.89% -0.89% -0.58% -0.45% 0.03%

31/08/16

-0.25% -0.14% -0.18% -0.20% -0.25% -0.14% -0.20% -0.12% 0.04%

24/08/16

0.29% 0.20% 0.23% 0.23% 0.29% 0.20% 0.23% 0.17% 0.03%

17/08/16

0.40% 0.29% 0.26% 0.23% 0.40% 0.29% 0.23% 0.13% 0.04%

10/08/16

0.23% 0.17% 0.15% 0.15% 0.23% 0.17% 0.15% 0.10% 0.04%

03/08/16

0.28% 0.35% 0.31% 0.27% 0.28% 0.35% 0.27% 0.29% 0.05%

27/07/16

-0.36% -0.27% -0.26% -0.24% -0.36% -0.27% -0.24% -0.15% 0.04%

20/07/16

0.49% 0.42% 0.37% 0.31% 0.49% 0.42% 0.31% 0.23% 0.04%

13/07/16

1.27% 1.02% 0.97% 0.88% 1.27% 1.02% 0.88% 0.66% 0.04%

06/07/16

1.36% 1.15% 0.92% 0.71% 1.36% 1.15% 0.71% 0.41% 0.04%

01/07/16 to 05/07/16*

-0.86% -0.61% -0.52% -0.41% -0.86% -0.61% -0.41% -0.17% 0.03%

29/06/16 to 30/06/16*

1.50% 1.27% 1.10% 0.92% 1.50% 1.27% 0.92% 0.63% 0.01%

22/06/16

-1.76% -1.40% -1.19% -0.97% -1.76% -1.40% -0.97% -0.56% 0.05%

15/06/16

1.20% 0.98% 0.84% 0.66% 1.20% 0.98% 0.66% 0.41% 0.04%

08/06/16

-1.67% -1.39% -1.19% -0.98% -1.67% -1.39% -0.98% -0.66% 0.03%

01/06/16

-0.31% -0.12% -0.13% -0.14% -0.31% -0.12% -0.14% 0.01% 0.04%

25/05/16

0.72% 0.70% 0.54% 0.44% 0.72% 0.70% 0.44% 0.32% 0.04%

18/05/16

0.86% 0.56% 0.66% 0.62% 0.86% 0.56% 0.62% 0.44% 0.04%

11/05/16

0.25% 0.28% 0.23% 0.22% 0.25% 0.28% 0.22% 0.20% 0.04%

04/05/16

0.69% 0.51% 0.58% 0.56% 0.69% 0.51% 0.56% 0.47% 0.06%

27/04/16

0.83% 0.28% 0.48% 0.46% 0.83% 0.28% 0.46% 0.20% 0.06%

20/04/16

0.10% 0.07% 0.11% 0.12% 0.10% 0.07% 0.12% 0.11% 0.04%

13/04/16

1.21% 1.13% 0.93% 0.73% 1.21% 1.13% 0.73% 0.56% 0.04%

06/04/16

0.63% 0.53% 0.42% 0.30% 0.63% 0.53% 0.30% 0.18% 0.04%

30/03/16

-0.49% -0.52% -0.49% -0.44% -0.49% -0.52% -0.44% -0.44% 0.05%

23/03/16

-0.30% -0.33% -0.21% -0.16% -0.30% -0.33% -0.16% -0.11% 0.04%

16/03/16

0.28% 0.34% 0.24% 0.17% 0.28% 0.34% 0.17% 0.16% 0.04%

09/03/16

0.79% 0.58% 0.50% 0.39% 0.79% 0.58% 0.39% 0.19% 0.04%

02/03/16

0.08% 0.40% 0.08% 0.00% 0.08% 0.40% 0.00% 0.01% 0.04%

24/02/16

0.91% 0.70% 0.73% 0.66% 0.91% 0.70% 0.66% 0.52% 0.04%

17/02/16

0.61% 0.65% 0.57% 0.49% 0.61% 0.65% 0.49% 0.46% 0.04%

10/02/16

1.14% 0.91% 0.85% 0.72% 1.14% 0.91% 0.72% 0.52% 0.05%

03/02/16

-2.06% -1.75% -1.64% -1.44% -2.06% -1.75% -1.44% -1.13% 0.04%

27/01/16

-0.18% -0.07% -0.09% -0.05% -0.18% -0.07% -0.05% 0.02% 0.04%

20/01/16

0.44% 0.38% 0.31% 0.21% 0.44% 0.38% 0.21% 0.13% 0.04%

13/01/16

-0.99% -0.89% -0.78% -0.65% -0.99% -0.89% -0.65% -0.49% 0.04%

06/01/16

-2.42% -2.13% -1.84% -1.54% -2.42% -2.13% -1.54% -1.14% 0.03%

30/12/15

-0.72% -0.69% -0.55% -0.42% -0.72% -0.69% -0.42% -0.30% 0.05%

23/12/15

1.39% 1.20% 1.01% 0.84% 1.39% 1.20% 0.84% 0.58% 0.04%

16/12/15

0.86% 0.74% 0.65% 0.55% 0.86% 0.74% 0.55% 0.42% 0.04%

09/12/15

-1.59% -1.37% -1.11% -0.90% -1.59% -1.37% -0.90% -0.59% 0.03%

02/12/15

-1.30% -1.21% -1.14% -1.01% -1.30% -1.21% -1.01% -0.90% 0.03%

25/11/15

0.07% 0.12% 0.09% 0.07% 0.07% 0.12% 0.07% 0.10% 0.05%

18/11/15

0.11% 0.22% 0.16% 0.11% 0.11% 0.22% 0.11% 0.16% 0.04%

11/11/15

-0.95% -0.62% -0.56% -0.48% -0.95% -0.62% -0.48% -0.20% 0.04%

04/11/15

-0.16% -0.23% -0.17% -0.12% -0.16% -0.23% -0.12% -0.13% 0.03%

28/10/15

0.11% -0.08% -0.07% 0.03% 0.11% -0.08% 0.03% -0.03% 0.04%

21/10/15

0.94% 0.85% 0.76% 0.62% 0.94% 0.85% 0.62% 0.46% 0.04%

14/10/15

0.49% 0.42% 0.44% 0.33% 0.49% 0.42% 0.33% 0.24% 0.04%

07/10/15

0.21% 0.34% 0.21% 0.16% 0.21% 0.34% 0.16% 0.13% 0.04%

30/09/15

2.67% 2.08% 2.10% 1.72% 2.67% 2.08% 1.72% 0.94% 0.04%

23/09/15

n/a n/a n/a n/a -1.70% -1.27% -0.97% -0.43% 0.04%

16/09/15

n/a n/a n/a n/a -0.11% -0.11% -0.11% -0.07% 0.04%

09/09/15

n/a n/a n/a n/a -0.60% -0.44% -0.29% -0.16% 0.04%

02/09/15

n/a n/a n/a n/a 0.77% 0.56% 0.47% 0.30% 0.04%

26/08/15

n/a n/a n/a n/a 0.97% 0.71% 0.52% 0.31% 0.04%

19/08/15

n/a n/a n/a n/a -3.01% -2.04% -1.79% -0.86% 0.04%

12/08/15

n/a n/a n/a n/a -0.98% -0.68% -0.50% -0.21% 0.04%

05/08/15

n/a n/a n/a n/a -0.42% -0.27% -0.15% 0.04% 0.04%

29/07/15

n/a n/a n/a n/a 0.15% 0.18% 0.23% 0.19% 0.04%

22/07/15

n/a n/a n/a n/a -1.03% -0.75% -0.52% -0.19% 0.04%

15/07/15

n/a n/a n/a n/a 0.61% 0.57% 0.55% 0.43% 0.04%

08/07/15

n/a n/a n/a n/a 1.53% 0.89% 0.78% 0.46% 0.04%

01/07/15

n/a n/a n/a n/a 0.54% 0.50% 0.43%2 0.28%2 0.04%
  1. The investment option, Glidepath, was introduced on 1 October 2015. As a result, returns are reported from that date.
  2. Due to a system error, these returns were originally reported incorrectly. For the period 1 to 7 July 2015, the returns were reported as Conservative (0.23%), Balanced (0.37%), Growth (0.36%) and Aggressive (0.47%).

* Because the end of the 2015/2016 financial year falls within a weekly period, credited interest rates are declared for the period from the beginning of the week to 30 June. Separate credited interest rates are then declared for the period from 1 July to the end of the week.

** Due to public holidays, these CIRs apply for an eight day period, from 21 December 2016 to 28 December 2016.

*** Due to public holidays, these CIRs apply for a six day period, from 29 December 2016 to 3 January 2017.

^Because the end of the 2016/2017 financial year falls within a weekly period, credited interest rates are declared for the period from the beginning of the week to 30 June. Separate credited interest rates are then declared for the period from 1 July to the end of the week.