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2.6 from 12 reviews


  • Transparency
    3.0 (2)
  • Customer Service
    4.0 (2)
  • Rates and Fees
    4.0 (1)

Patrice M.

Patrice M.Central Highlands and Goldfields, VIC

Good service


Truly I wouldn't have much of a clue if about how ESS "performs" compared to other funds but my understanding is its about average for industry funds. I believe the fees are quite low and my investment seems to have done alright. What I am really pleased about is the great personal service I have received now that I am hitting retirement age. The woman I deal with (Barbara) is so patient and helpful in person and on the phone.

Customer Service
Rates and Fees



  • 4 reviews

Can take from up to 10 days to a month to change accounts


In this time of internet and "rapid responses", for me to change my account holdings from, say "Shares" to "Balanced" accounts, I have to have the change in by the 20th of the month for it to be initiated by the first of the month. A lot can, and did, happen in this gap and I lost a significant percentage. Other Supetrs have next day actions

Customer Service

An ethical business??????????



  • Verified customer

Disgraceful Organisation




ESSSuper keeps 55% of payout.


My sisters death benefit was $420,000. I was the sole beneficiary (nominated by my sister). They offered me $195,000 because I wasn't the spouse or a dependant child. So anyone in this scheme, who is a widow or widower at the time of their death, and has children over 18yrs old, will receive 45% of their earnings for their inheritance.



  • 2 reviews

This product is good compared with other funds


I have 3 funds including ESSS. In the lean years it tends to do better than the others but not as good as the others in the good years. It comes in at 7% return. It is a nice safe balance. You should look at a fund's performance over at least 5 years and not get distressed in the lean years such as this one.

Going Broke

Going BrokeMelbourne

Poor Performing Fund.


I have to agree with Janine, the performance of this fund is below par. The last 2½ months have been terrible. You lose money when you rollover into this fund. Great as a defined benefit but abandon ship when you retire. I would love to ask a couple of 5 star raters how their fund is performing against benchmark funds, they may change their minds.
They also have poor communication standards. 5 to 10 days to reply to a simple email is appalling.

Ahhhhhh Retirement.

Ahhhhhh Retirement.Victoria

  • 2 reviews

Never Had a Problem


Member from the start. Never had a problem and do all of my transactions online. My investment was transferred to an accumulation account several years ago and it if there is a fault they appear to be slightly conservation in their investments.



  • 31 reviews

Good from our perspective



  • 2 reviews

Not impressed with this fund


Took a 54/11 pension which I think is absolutely fantastic. But I put in $540,000 of our my money into the Accumulation Fund in Feb 2015.I have since paid an annual fee of almost $4,000 and have lost $3000 of my own money. I have actually lost on my capital since transferring. Would have been better to leave in Term Deposit in the bank. Be very, very, very careful!!!! My other gripe is that there is not a forum on the website to discuss issues and there is nowhere to write a review and that is why I am writing this. Very disappointed in the way this company invests its investors money. Ok if you are still working, not so good after your retire. Poor performance!!!! Would never recommend putting your own money into this fund.



  • 9 reviews
  • Verified customer

Easy to Join, difficult to leave.


Fantastic member relationships!


ESSSuper experienced, friendly staff go out of their way to support members. Their information sessions, both group forums and individual sessions, give members practical and timely information. I would recommend any members who need support to call them!
Knowledgable, supportive & efficient

Questions & Answers

Mark Z.

Mark Z.asked

Can you access some of your super money

1 answer

Hi Mark,

Thank you for getting in touch.

The Australian Taxation Office have conditions of release in Superannuation that would determine whether an individual can access their Superannuation. ESSSuper has a great fact sheet on Access to Super and Tax that can be found here: https://bit.ly/2SdSDYg

Alternatively you can give us a call on 1300 650 161 to discuss your circumstances and we'll be happy to help.


Philip V.

Philip V.asked

Has anyone from ESSSuper explained why the fees have quadrupled over the past 3 or 4 years? I'm in the Accumulation Fund and paid $820 in fees for a balance of around 320,000 in 2017. In 2018/19 I have been charged $3,796 in fees with only a $45,000 increase in my balance. How did this gross increase happen without members creating an enormous stink?

No answers

Bev O.

Bev O.asked

What happens to the rest of my dad's super as I am his benafactor don't they have to pay out what's left over ..if any was.?

2 answers

My understanding is that they should be paying any outstanding amounts into his estate .


No, my family experienced this as well with my mothers fund. Unless a binding beneficiary form is signed by the account holder (something they didn’t tell my mother even in meetings close to her death), then the money actually belongs to the fund to disperse as they see fit. Your beneficiary preference is non binding. They are only obligated to disperse to your spouse or dependent children. If your children are all adults and there is no spouse or defacto partner they control the money. They do reassure that in the event of your death your non binding beneficiary nomination will be an important consideration when the board determines who should receive your death benefit and in what proportion.

Get an answer from our members and ESSSuper representatives

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