Latest returns

2018 interest rates 

(after tax and expenses)

Period	Growth %	Balanced %	Conservative %	Cash %
31 January 2018	1.21	0.84	0.34	0.14
28 February 2018	(2.52)	(1.76)	(0.66)	0.12
31 March 2018	(1.08)	(0.51)	0.08	0.12
30 April 2018	1.31	0.78	0.22	0.14
31 May 2018	0.49	0.34	0.15	0.16
30 June 2018	0.51	0.42	0.23	0.14
Year to date (interim)	(0.14)	0.09	0.36	0.82

These are estimated monthly interest rates derived from the relevant market indices. 

Annual interest rates

(after tax and expenses)

12 Months ending 31 December	Growth %	Balanced %	Conservative %	Cash %
2017	17.35	13.09	6.69	1.75
2016	5.66	5.27	4.02	1.86
2015	7.29	5.83	4.54	2.42
2014	12.34	10.24	7.37	2.70
2013	16.27	11.41	7.17	2.20
2012	15.81	12.81	8.77	2.31
2011	(2.59)	(0.25)	1.56	2.64
2010	6.46	5.74	4.22	2.30

Interest is applied to your account balances on a daily basis throughout the year. The actual interest rates applied to your account balances may vary from those shown above.

The annual rate, which is declared as at 31 December each year, is determined by us taking into account (amongst other things) the investment earnings and expenses of the relevant investment option(s) you have chosen and the expenses incurred by UniSaver generally. 

If you leave UniSaver, we will calculate your benefit using an interim interest rate to cover the period between the end of the previous scheme year and the date your benefit is payable. Interim interest rates are an estimate of the investment return for the appropriate investment option less estimated tax and expenses.