In this guide
- How do super funds calculate investment earnings?
- What is unit pricing?
- How does unit pricing work?
- Doing the maths: Calculating unit prices
- What is a crediting rate?
- Getting your money: Applying the crediting rate
- What happens if I switch investment options?
- Annual returns and online balances: Where’s the difference?
Understanding why your super balance goes up and down – and comparing the performance of your super fund with others – is about more than just checking fees, super contributions and insurance premiums.
It’s also knowing how – and when – your super fund calculates and applies investment earnings to the balance of your super account.
There are two ways super funds go about this, as we explain below.
Read more about super fund fees and charges.
How do super funds calculate investment earnings?
There is no right or wrong way to allocate investment earnings, but super funds tend to use two methods:
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