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.
2.01%
2.27%
10-year average
annual super return
as at 30 June 2020
10-year average
annual pension return
as at 30 June 2020
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 outperform the return of the Australian cash market (as measured by the Bloomberg AusBond Bank Bill Index).

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%

Fees

The following example shows the total investment fee you would pay if you had $50k invested in our Capital Guaranteed option. These fees aren’t paid directly from your account.

Investment fee
Investment fees

0.04%

This fee is deducted from the Fund’s assets and is reflected in the daily unit price for the Capital Guaranteed option.

Indirect cost ratio
Indirect cost ratios

0.29%

This fee is deducted from investment returns received from, or assets of, underlying investment vehicles and reflected in the daily unit price for the Capital Guaranteed option.

Total
investment fee

0.33%

$50k balance = $165* total of investment fees.

*Represents the investment fee only. An administration fee also applies to the total cost of the product.

Add the investment fee and the indirect cost ratio together, then multiply the percentage by your balance.
(0.04% + 0.29% = 0.33%) x $50,000 = $165

See fees and costs for further information.

Investment fee
Investment fees

0.04%

This fee is deducted from the Fund’s assets and is reflected in the daily unit price for the Capital Guaranteed option.

Indirect cost ratio
Indirect cost ratios

0.30%

This fee is deducted from investment returns received from, or assets of, underlying investment vehicles and reflected in the daily unit price for the Capital Guaranteed option.

Total
investment fee

0.34%

$50k balance = $170* total of investment fees.

*Represents the investment fee only. An administration fee also applies to the total cost of the product.

Add the investment fee and the indirect cost ratio together, then multiply the percentage by your balance.
(0.04% + 0.30% = 0.34%) x $50,000 = $170.

See fees and costs for further information.

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