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What are unit pricing and crediting rates and why do they matter?

Kate CrawfordKate Crawford

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.

Learn how to compare super funds in 7 easy steps.

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:

About the author

Kate Crawford
Kate Crawford
Kate has worked in the superannuation sector since 2003. Her experience ranges from customer service to financial advice, member education, complaints management, trustee services, and learning and development. She currently develops content and facilitates learning sessions for super professionals with the Association of Superannuation Funds (ASFA) as well as writing for SuperGuide.
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Responses

  1. Vinod Basrur Avatar
    Vinod Basrur

    Hi Team,

    After changing my super from accumulation phase to account based pension, can I transfer my super to other super company.

    thanks Vinod

    1. Kate Crawford Avatar
      Kate Crawford

      Hi Vinod,
      You can transfer an account-based pension to another company at any time. If you choose to start a lifetime income stream/lifetime pension, these are not generally transferable.
      You may find it helpful to refer to our article, video, and webinar about options with your super at retirement.

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