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ESSSuper - Accumulation Plan for State Super and Personal Members

Past 5-year return
7.04%
Admin fee
$52
Calculated Fees on 50k
$612
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BPAY available for member and employer contributions.
Extensive member education program including free seminars and consultations with internal RG146 qualified consultants.
Emergency Services & State Super (ESSSuper) is a dedicated super fund offering retirement benefits for current and former Victorian emergency services employees, state super members and their eligible spouses. The fund is Infinity Recognised, which is a result of its strong commitment to environmental and social principles. ESSSuper offers a range of 10 investment options to choose from, providing members with access to 7 ‘Standard Options’ which are pre-mixed with a range of risk profiles from defensive to growth, and 3 ‘Alternative Options’ for members looking to prioritise a particular characteristic when investing. The default Growth option has underperformed the SuperRatings Index over the short term, but outperformed over the 10 years to 30 June 2018.Fees are lower than the industry average across all account balances assessed, with the combined administration fee capped at $1,500 pa. Members can switch investment options and make withdrawals at no cost. ESSSuper provides members with access to a full suite of insurance cover, with eligible members receiving automatic Death and Total & Permanent Disablement (TPD) Cover upon joining the fund. Income Protection (IP) with a benefit period of 2 years or to age 65, covering up to 85% of salary, is available following a 30, 60 or 90 day waiting period. Members can apply to increase their Death and TPD cover following the occurrence of a prescribed Life Event, or apply for IP cover within 3 months of joining the plan, without additional underwriting.Members have access to limited and comprehensive financial advice provided through Adviser Network on a fee-for-service model. A wide range of interactive tools, calculators, factsheets and educational videos are also available through the fund's website. ESSSuper's Member Online further allows members to view and update account details, as well as perform transactions.
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Fees & fund features

Admin fee
Admin fee
$52
Administration fee (%)
Administration fee (%)
0.25%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.28%
Exit fee
Exit fee
$0
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.59%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Admin fee
Admin fee
$52
Administration fee (%)
Administration fee (%)
0.25%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.28%
Exit fee
Exit fee
$0
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.59%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Fund fees vs. Industry average
Fund past-5-year return vs. Industry average
Investment allocation
Investment option performance
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