What will I have when I retire?
Your retirement balance is built from what you and your employer contribute, how long you stay, and the returns the Fund earns on your savings.
Every year, the Fund's investment earnings flow through four steps before they land in your account.
The Investment Department's job is the first of those four — growing your savings so there is something to credit.
The rate credited to members' balances at the end of each financial year, FY2016 through FY2025.
| Financial year | Crediting rate | Note |
|---|---|---|
FY2016 | 5.3% | |
FY2017 | — | Editor: confirm from source |
FY2018 | 8.5% | |
FY2019 | 6.5% | |
FY2020 | 3.75% | Net deficit year — members still credited |
FY2021 | 6% | |
FY2022 | 2.65% | Net deficit year — members still credited |
FY2023 | 6% | |
FY2024 | 4% | |
FY2025 | 8% | SBD 274.9M credited |
An account holding SBD 10,000 at 30 June 2015, left untouched, would have grown to about SBD 18,000 by the FY2025 crediting — an average of 6.1% a year. This assumes no contributions or withdrawals over the ten years.
SBD 274.9 million credited to members' balances (Minister of Finance and Treasury, 30 September 2025).
Staying in the Fund longer, contributing more where you can, and leaving your savings invested. For your own balance, please contact Member Services.
