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About crediting rates

The crediting rate for a particular investment option represents the Fund’s asset class returns (after deduction of investment expenses and in-house fees, tax and any allowance for reserves) multiplied by the actual asset allocation for the investment option over the stated period.

How are crediting rates determined?

Crediting rates represent the actual performance data for the asset classes which make up an Investment Option for the period, less applicable fees, expenses and taxes.

The crediting rate for an Investment Option will be impacted by:

• the actual asset allocation to the Option; and
• the member transactions conducted in that period.

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