ESSSuper was formed from a merger of the Government Superannuation Office (GSO) and ESSS in 2005. A single fund was formed by the merger of the State Superannuation Fund and the ESSS.
As of September 30th 2024 they had over 130,000 members and $36 billion in assets under management across accumulation, pension and defined benefits.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Past performance is not a reliable indicator of future performance.
ESSSuper’s Growth, balanced and Conservative investment options have all outperformed the median option of their relevant risk profiles over 3 and 5 years but under performed over 1 year.
Check out ESSSuper vs AustralianSuper to see how it compares with Australia’s biggest super fund and for a comparison against all funds see compare super funds.
Select an investment option from the menu below to see performance Vs the relevant median.
Fees for ESSSuper’s main investment options are below the median of other options of the same risk category on Review My Super.
Select an investment option from the menu below to see flat fees, percentage based fees and total fees on a balance of $50,000.
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Balanced | 7.79% | 8.74% | 6.8% |
| Median | 7.8% | 8.3% | 6.1% |
| ESSSuper Accum - Balanced VS Median | -0.01% | 0.44% | 0.7% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Balanced | 52 | 0.67% | $387 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 21% | |
| 2 | International Shares | 22.5% | |
| 3 | Fixed Interest | 10% | |
| 4 | Alternative | 13.5% | |
| 5 | Property | 7.5% | |
| 6 | Other | 12.5% | |
| 7 | Cash | 13% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Growth | 7.96% | 11.08% | 8.58% |
| Median | 10.4% | 12.1% | 9.1% |
| ESSSuper Accum - Growth VS Median | -2.44% | -1.02% | -0.52% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Growth | 52 | 0.68% | $392 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 30.5% | |
| 2 | International Shares | 41% | |
| 3 | Fixed Interest | 2.5% | |
| 4 | Alternative | 13.5% | |
| 5 | Property | 6% | |
| 6 | Other | 4% | |
| 7 | Cash | 2.5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Conservative | 6.66% | 6.9% | 5.28% |
| Median | 6.2% | 6.5% | 4.3% |
| ESSSuper Accum - Conservative VS Median | 0.46% | 0.4% | 0.98% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Conservative | 52 | 0.6% | $352 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 11.5% | |
| 2 | International Shares | 15.5% | |
| 3 | Fixed Interest | 23% | |
| 4 | Alternative | 11% | |
| 5 | Property | 6% | |
| 6 | Other | 11% | |
| 7 | Cash | 22% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Capital Stable | 5.95% | 6.1% | 4.27% |
| Median | 6.2% | 6.5% | 4.3% |
| ESSSuper Accum - Capital Stable VS Median | -0.25% | -0.4% | -0.03% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Capital Stable | 52 | 0.53% | $317 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 6% | |
| 2 | International Shares | 8.5% | |
| 3 | Fixed Interest | 17% | |
| 4 | Alternative | 7.5% | |
| 5 | Property | 5% | |
| 6 | Other | 11% | |
| 7 | Cash | 45% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Shares Only | 9.32% | 13.44% | 9.64% |
| Median | 10.4% | 12.1% | 9.1% |
| ESSSuper Accum - Shares Only VS Median | -1.08% | 1.34% | 0.54% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Shares Only | 52 | 0.63% | $367 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 40% | |
| 2 | International Shares | 60% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Ethical Diversified | 7.41% | 8.39% | 6.47% |
| Median | 9.3% | 10.3% | 7.7% |
| ESSSuper Accum - Ethical Diversified VS Median | -1.89% | -1.91% | -1.23% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Ethical Diversified | 52 | 0.81% | $457 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 26% | |
| 2 | International Shares | 34% | |
| 3 | Fixed Interest | 15% | |
| 4 | Alternative | 15% | |
| 5 | Property | 5% | |
| 6 | Cash | 5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Balanced Growth | 10.08% | 11.97% | 9.35% |
| Median | 9.3% | 10.3% | 7.7% |
| ESSSuper Accum - Balanced Growth VS Median | 0.78% | 1.67% | 1.65% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Balanced Growth | 52 | 0.43% | $267 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27.5% | |
| 2 | International Shares | 33% | |
| 3 | Fixed Interest | 7% | |
| 4 | Alternative | 10% | |
| 5 | Property | 6% | |
| 6 | Other | 7.5% | |
| 7 | Cash | 9% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Cash | 3.78% | 4% | 2.66% |
| Median | - | - | - |
| ESSSuper Accum - Cash VS Median | 3.78% | 4% | 2.66% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Cash | 52 | 0.3% | $202 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Cash | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Defensive | 4.86% | 4.89% | 2.84% |
| Median | - | - | - |
| ESSSuper Accum - Defensive VS Median | 4.86% | 4.89% | 2.84% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Defensive | 52 | 0.44% | $272 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 3% | |
| 2 | International Shares | 4% | |
| 3 | Fixed Interest | 25% | |
| 4 | Alternative | 4.5% | |
| 5 | Property | 3% | |
| 6 | Other | 7% | |
| 7 | Cash | 53.5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| ESSSuper Accum - Balanced Growth Managed | 8.21% | - | - |
| Median | 9.3% | - | - |
| ESSSuper Accum - Balanced Growth Managed VS Median | -1.09% | - | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| ESSSuper Accum - Balanced Growth Managed | 52 | 0.67% | $387 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 26% | |
| 2 | International Shares | 31.5% | |
| 3 | Fixed Interest | 6% | |
| 4 | Alternative | 13.5% | |
| 5 | Property | 6.5% | |
| 6 | Other | 8.5% | |
| 7 | Cash | 8% |
Members are offered death and TPD insurance cover.
They are also able to apply for additional Insurance Cover, which can include Death Cover, Death and TPD cover and Income Protection cover.
Additional cover is available with the following limits:
Death – $2 million.
TPD – $2 million.
Income protection – the lesser of 85% of your income or $25,000 per month
Insurance is provided by AIA Australia Limited.
See the ESSSuper ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further details.
ESSSuper’s Growth, Balanced and Conservative investment options have all outperformed the median over 3 and 5 years but under performed over 1 year. Fees for ESSSuper’s main investment options are below the median of other options of the same risk category on Review My Super. Based on this evidence, it would be reasonable to say it’s a good super fund.
Remember, past performance isn’t a reliable indicator of future performance and there are many factors which determine whether a super fund is good or bad and it can differ depending on personal requirements. It’s best to seek advice from a qualified adviser in order to work out which is the best super fund for you.
Yes, it is an APRA fund.
ESSSuper is not designated by Industry Super Australia as an Industry fund. However, they are a not for profit fund catering to specific industries.
ESSSuper stands for Emergency Services and State Super.
ESSSuper Reviews: 1.6 out of 5 stars from 17 customer reviews on Australia’s best superannuation review site Review My Super.
See more Super Fund Reviews to compare ratings and reviews across funds.
