Capital Guaranteed

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Capital Guaranteed

At a glance

Asset classes

Fixed interest and cash

Investment timeframe

Short term (1–2 years)


Investment fee: 0.03%
Indirect cost ratio: 0.31%
Buy–sell spread: nil

Return objective

Inflation + 0.5% per year^

Likelihood of negative return

Nil in every 20 years

  • Risk band

    Risk level

    Risk label
  • 1
    Very low
  • 2
  • 3
    Low to medium
  • 4
  • 5
    Medium to high
  • 6
  • 7
    Very high

Risk level


Asset classes

  • Annual % returns
  • Compare how our options have grown
Select a dollar amount and timeframe below to see how your super would have grown if invested in this option.
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The growth data above shows investment growth only and does not take into consideration individual circumstances, taxes or fees.

Compare how our options have grown if invested in this option:

Amount: Invested for:

Annual returns [PDF]

About the option

This option aims to ensure the security of capital. CareSuper intends for this option to be invested in the AMP Capital Guaranteed Savings Account, managed by AMP Life Limited (AMP). AMP guarantees that capital and credited accrued interest will not be reduced by negative investment returns.

The asset allocation is determined by AMP. From time to time, funds may be invested in the term deposits of Authorised Deposit Taking Institutions. For liquidity purposes, the Trustee may hold a small allocation in cash.

This option is suitable for members seeking to maintain the capital value of their investment over any time period while earning a rate of return similar to that of bank bills or from a cash management trust.

What are the option’s objectives?

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the Consumer Price Index [CPI]) by at least 0.5% per year.^
  • To provide a full guarantee on capital and credited accrued interest.
  • To provide ‘smooth’ returns which iron out market fluctuations and are never negative.

*View the full details of these fees and costs
^Over rolling 10 year periods

This website contains general advice, not taking into account your objectives, financial situation or needs. Before acting on this advice you should determine if it is appropriate for you. Before acquiring a product, first read its product disclosure statement. Some products and services offered on this website are provided by third parties. The trustee is not responsible for the products or services, views or actions of these third parties. Terms and conditions may apply which should be obtained from the third parties direct. The trustee does not accept liability if loss or damage is incurred from the acquisition of third party products or services. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725
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