Capital Stable

This option invests in a diversified mix of assets, with an emphasis on fixed interest and cash. It’s designed to provide stability of capital over the medium term combined with the potential for limited capital growth.
5.93%
6.64%
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 are seeking long-term capital security, and to earn a rate of return above that of bank bills or from a cash management trust.

The minimum investment timeframe is 3+ years. 

Return objective

To achieve returns after tax and fees that exceed the inflation rate by at least 1.5% per year (over rolling 10-year periods).

Risk level

Medium
The likelihood of a negative annual return is 2.3 in every 20 years for super and transition to retirement accounts.
The risk level is based on the Standard Risk Measure.
Medium
The likelihood of a negative annual return is 2.3 in every 20 years for full pension accounts.
The risk level is based on the Standard Risk Measure.

Asset class mix

Allocation table for Super & TTI

Asset class Benchmark Range
Australian Shares 11% 0-25
Overseas shares 13% 0-25
Property 6% 0-15
Alternatives (total) 31% 0-40
- Credit 7%
- Infrastructure 6%
- Absolute return 18%
- Private equity 0%
Fixed interest 16% 0-50
Cash 23% 0-60

Allocation table for Pension

Asset class Benchmark Range
Australian shares 13% 0-25
Overseas shares 10% 0-25
Property 7% 0-15
Alternatives (total) 31% 0-40
- Credit 8%
- Infrastructure 6%
- Absolute return 17%
- Private equity 0%
Fixed interest 16% 0-50
Cash 23% 0-60

Fees

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

Investment fee
Investment fees

0.16%

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

Indirect cost ratio
Indirect cost ratios

0.21%

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 Stable option.

Total
investment fee

0.37%

$50k balance = $185* 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.
(0.16% + 0.21% = 0.37%) x $50,000 = $185

See fees and costs for further information.

Investment fee
Investment fees

0.16%

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

Indirect cost ratio
Indirect cost ratios

0.21%

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 Stable option.

Total
investment fee

0.37%

$50k balance = $185* 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.
(0.16% + 0.21% = 0.37%) x $50,000 = $185

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