Cash
Effective date: 19 Jun 2026
Cash
This option may invest in cash and short-term money-market securities including term deposits, bank bills, negotiable certificates of deposit, short-term fixed interest investments issued by Australian and overseas governments, banks and companies, and short-dated annuities issued by life insurance companies. The option also invests in interest bearing accounts with authorised deposit-taking institutions (ADIs). Note that the Cash option is not covered by the Government Guarantee (Financial Claims Scheme).
The graph shows the value of an initial investment of $1,000 in this option over time.
Data
Strategic asset allocation
This is the target range for holdings in each asset class within an option. The asset allocation may be re-balanced within these ranges to help achieve the option’s investment return objective.
This option invests 75% in an account with Australia and New Zealand Banking Group Limited (ABN 11 005 357 522). The remaining 25% is invested in other cash and short-term money market securities. Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates.
Notes:
Figures may not total 100% due to rounding.
Strategic asset allocations as at 1 October 2025.
Cash
This option may invest in cash and short-term money-market securities including term deposits, bank bills, negotiable certificates of deposit, short-term fixed interest investments issued by Australian and overseas governments, banks and companies, and short-dated annuities issued by life insurance companies. The option also invests in interest bearing accounts with authorised deposit-taking institutions (ADIs). Note that the Cash option is not covered by the Government Guarantee (Financial Claims Scheme).
The graph shows the value of an initial investment of $1,000 in this option over time.
Data
Strategic asset allocation
This is the target range for holdings in each asset class within an option. The asset allocation may be re-balanced within these ranges to help achieve the option’s investment return objective.
This option invests 75% in an account with Australia and New Zealand Banking Group Limited (ABN 11 005 357 522). The remaining 25% is invested in other cash and short-term money market securities. Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates.
Notes:
Figures may not total 100% due to rounding.
Strategic asset allocations as at 1 October 2025.
Cash
This option may invest in cash and short-term money-market securities including term deposits, bank bills, negotiable certificates of deposit, short-term fixed interest investments issued by Australian and overseas governments, banks and companies, and short-dated annuities issued by life insurance companies. The option also invests in interest bearing accounts with authorised deposit-taking institutions (ADIs). Note that the Cash option is not covered by the Government Guarantee (Financial Claims Scheme).
The graph shows the value of an initial investment of $1,000 in this option over time.
Data
Strategic asset allocation
This is the target range for holdings in each asset class within an option. The asset allocation may be re-balanced within these ranges to help achieve the option’s investment return objective.
This option invests 75% in an account with Australia and New Zealand Banking Group Limited (ABN 11 005 357 522). The remaining 25% is invested in other cash and short-term money market securities. Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates.
Notes:
Figures may not total 100% due to rounding.
Strategic asset allocations as at 1 October 2025.
Performance
Past performance isn’t necessarily an indication of future returns. The value of investments can rise or fall, and investment returns can be positive or negative. The figures shown are net investment returns, that is, after fees, costs and taxes have been paid.
Investment fees and costs and transaction costs
These fees and costs are estimates only. The actual fees and costs may vary from year to year. Please see the relevant PDS for details.
Risk level
The risk level is based on the Standard Risk Measure. Please see the relevant PDS for details.
Unit prices
New unit prices for each investment option are calculated each business day and are generally available within two business days. A ‘business day’ is any day that’s not a Saturday, Sunday, national public holiday (including the King’s Birthday for all states except QLD and WA), or any day that the Australian Securities Exchange (ASX) is closed.
Suggested timeframe
For full information in relation to suggested/minimum time frames please see the relevant PDS.
On 1 November 2024, the former CARE Super fund (ABN 98 172 275 725) merged into Spirit Super and the investment options in the merged fund were aligned with the former CARE Super fund investment options (other than the Long-term option (Managed Income only)). The figures on this page that relate to the period before 1 November 2024 reflect the performance for the corresponding former CARE Super fund investment options only (other than the Long-term option (Managed Income only)). Investment performance history for the Spirit Super investment options before 1 November 2024 can be viewed here.
Fees and costs
Each of our investment options has its own set of fees that covers the cost of managing your investments.
Investment returns
Discover how your investments measure up against their return objectives and industry benchmarks.