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If you’re a Defined Benefit member with Energy Super, contributions made by you and your employer to fund your Defined Benefit are invested in the Defined Benefit investment pool. The amount credited to your account is the Three Year Average crediting rate shown below.
Our Defined Benefit account is closed to new members
If you’re a Defined Benefit member and make additional member contributions or rollovers, these funds will be invested in the Defined Contribution investment option that applies to you see investment options.
Provide similar investment returns as the MySuper option
Investment time horizon — five or more years
Achieve returns (after tax and other costs) over rolling ten year periods 3% above "CPI3", and
Chance of a negative return — over 20 year period is 3.9.
Please note: the returns objective is an estimate only, it is not guaranteed.
12 months ending 30 June:
Net effective earning rate1 (%)
Crediting rate2 (%)
Over five years
Over ten years
Compound average net effective earning rate1 (% p.a.)
8.65Compound average crediting rate2 (% p.a.)
Investments can go up and down. Past performance is not necessarily indicative of future performance.
1 Net effective earning rates are after tax and investment charges and are to 30 June 2019 (unless otherwise specified).
2 Referred to as the Three Year Average crediting rate and is applied to Defined Benefit Member Accounts. For more information, refer to your Annual Statement.
3 CPI is measured by the All Groups Consumer Price Index For Australia.
Long term asset allocation
The Defined Benefit Investment Pool is invested in the same way and in the same pool as the Balanced option.
How is your crediting rate calculated?
The Defined Benefit investment pool crediting rate is calculated by averaging the net effective earning rates for the last three years (subject to any adjustments Energy Super considers appropriate having regard to the financial position of the pool). The crediting rate policy may be changed from time-to-time.