Cash

This option invests in a mix of cash and money-market securities, including at call and term deposits, bank bills, negotiable certificates of deposit, short-dated and floating rate securities issued by Australian and overseas government, banks and companies.

This option was previously known as ‘Capital Secure’. Only the name has changed – its objectives and features remain the same.
2.76%
3.23%
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 seek 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 year or less. 

Return objective

To outperform the return of the Australian cash market (as measured by the Bloomberg Ausbond Bank Bill Index).

To achieve returns after tax and fees that is at least in line with the inflation rate each year (over rolling 10-year periods).

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 mix

Allocation table for Super & TTI

Asset class Benchmark Range
Cash 100% n/a

Allocation table for Pension

Asset class Benchmark Range
Cash 100% n/a

Fees

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

Investment fee
Investment fees

0.06%

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

Indirect cost ratio
Indirect cost ratios

0.00%

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

Total
investment fee

0.06%

$50k balance = $30* 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.
(0.06% + 0.00% = 0.06% ) x $50,000 = $30

See fees and costs for further information.

Investment fee
Investment fees

0.06%

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

Indirect cost ratio
Indirect cost ratios

0.00%

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

Total
investment fee

0.06%

$50k balance = $30* 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.
(0.06% + 0.00% = 0.06%) x $50,000 = $30.

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