Capital Guaranteed
This option invests in capital guaranteed products issued by life insurance companies. This means that the issuing life insurance company guarantees the capital invested as well as the investment returns and not CareSuper. A capital guarantee does not however guarantee the level of future investment performance, other than that it won’t be negative.
The asset allocation for this option is mainly made up of capital guaranteed investments. From time to time, this option may also invest in the term deposits of Authorised Deposit Taking Institutions and hold a modest amount of cash for liquidity purposes. These securities are not covered by the guarantee.
The asset allocation for this option is mainly made up of capital guaranteed investments. From time to time, this option may also invest in the term deposits of Authorised Deposit Taking Institutions and hold a modest amount of cash for liquidity purposes. These securities are not covered by the guarantee.
1.77%
2.13%
10-year average
annual super return
as at 30 June 2024
annual super return
as at 30 June 2024
10-year average
annual pension return
as at 30 June 2024
annual pension return
as at 30 June 2024
For the returns over various time periods see the
performance page.
Why you’d invest
Invest in this option if you want to maintain the capital value of your investment over any time period, while earning a rate of return similar to that of bank bills or from a cash management trust.
The minimum investment timeframe is 1–2 years.
Return objective
To provide a full guarantee on capital and credited accrued interest.
To provide ‘smooth’ returns that iron out market fluctuations and are never negative.
Risk level
Very low
The likelihood of a negative annual return is nil in every 20 years.
The risk level is based on the Standard Risk Measure.
Very low
The likelihood of a negative annual return is nil in every 20 years.
The risk level is based on the Standard Risk Measure.
Asset class mix
Allocation table for Super & TTI
| Asset class | Benchmark | Range |
|---|---|---|
| Capital guaranteed investments | 100% |
Allocation table for Pension
| Asset class | Benchmark | Range |
|---|---|---|
| Capital guaranteed investments | 100% |
More about investing
Fees and costs
Each of our investment options has its own set of fees that covers the costs of managing your investments.
See our fee structure
Investment returns
Discover how your investments measure up against their return objectives and industry benchmarks.
Check our performance
Your investment choices
No two CareSuper members are the same so we offer 13 different investment choices.
Explore your choices