The credited rates of the following two Genesis-IRIS accounts will remain at 2025 levels from January 1, 2026.
Stabilised Return Index Account (SRIA)
- Remains at 3.15% in 2026
- As a result, the CLF (collateral loan facility) rate will remain at 4.65% in 2026.
Smoothed Return Diversified Account (SRDA*)
- Remains at 4.10% in 2026.
The credited rates of these accounts are based on the organization's long-term return expectations as well as the returns of the underlying assets, to which a smoothing formula is applied. This formula spreads out the main fluctuations in returns (both positive and negative) and provides a low-volatility credited rate from year to year.
This year, the decision to maintain our rates is mainly due to the performance of underlying assets and a stable economic environment compared to last year.
*This version of the SRDA is for Genesis-IRIS, which is no longer available for sale.
