Restricted public sector fund
ESSSuper
ESSSuper's Accumulation Plan serves eligible Victorian emergency services and State Super members, including their spouses.
THE OVERVIEW
About ESSSuper
An accumulation account can accept extra retirement savings alongside an ESSSuper defined benefit.
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Who can join
The March 2026 PDS identifies current or former Victorian emergency services employees, State Super members and eligible spouses or de facto partners.
THE SUPERGURU VIEW
Our take
The accumulation account can complement a defined benefit. Compare each part on its own terms: investment choices and costs for accumulation, benefit rules for the defined benefit.
Who might put it on their shortlist
- Eligible emergency services and State Super members wanting an accumulation account, and eligible partners.
What deserves a closer look
- Membership is restricted.
- The default's name does not make it low risk.
- An accumulation account's return does not measure a member's defined benefit.
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Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
No investment pathway has been matched to this profile in the June 2026 APRA package. Read the fee and performance notes below and use the fund's current documents. Absence from this dataset is not a performance-test failure.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
A CLOSER LOOK
Inside ESSSuper
Accounts and products
This profile focuses on the ESSSuper Accumulation Plan; defined benefit memberships require separate calculations.
Accumulation Plan
Separate ESSSuper defined benefit schemes
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Investment choices
Balanced Growth Managed
The PDS lists ten options: eight diversified portfolios plus Shares Only and Cash. The default has a ten-year suggested investment timeframe and a High risk rating.
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Insurance
Eligible members can access death-only, death and TPD, or income protection insurance.
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Comparing investment performance
Use the Accumulation Plan PDS when comparing market investment options.
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Sources for ESSSuper
Checked 2026-09-11. Documents and product terms can change after this date.