Capital Guaranteed

This option invests in the AMP Capital Guaranteed Savings Account managed by AMP Life Limited (AMP). The asset allocation for this option is determined by AMP and is mainly made up of cash with some fixed interest investments. The capital guarantee for this product is provided by AMP. CareSuper itself does not guarantee the security of capital. 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 AMP’s guarantee.
2.13%
10-year average
annual super return
as at 30 June 2019
For a detailed overview of this option including pension returns, visit 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 achieve returns after tax and fees at least in line with the inflation rate (as measured by the Consumer Price Index [CPI]) over rolling 10-year periods.

Risk level

Very low
The chance of a negative annual return is nil in every 20 years.
The risk level is based on the Standard Risk Measure.

Asset mix

Allocation table for Super & TTI

Asset class Benchmark Range
Fixed interest 22% 0-50
Cash 78% 50-100

Allocation table for Pension

Asset class Benchmark Range
Fixed interest 22% 0-50
Cash 78% 50-100
More about investing
Fees and costs
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
Investment returns
Discover how your investments measure up against their return objectives and industry benchmarks.
Check our performance  
Your investment choices
Your investment choices
No two CareSuper members are the same so we offer 13 different investment choices.
Explore your choices