As at 30 September 2024
Returns over the last 10 years1
Suggested timeframe
Fees2 + admin fees and costs
Suitable if you're an investor who:
You should expect this option to experience a negative annual return less than 0.5 times in any 20 years. The risk level is based on the standard risk measure (SRM).
| Aims for returns above the Bloomberg AusBond Bank Bill Index performance benchmark. |
| Super assets: | $5.4 billion |
| Pension assets: | $1.9 billion |
As at 30 September 20241
Our Cash option’s primary objective is to invest with a focus on maintaining liquidity and a good credit quality and is expected to continue to deliver very stable returns at a margin above the Bloomberg AusBond Bank Bill Index. The Cash option’s returns are derived from bank deposits and short-term money market securities.
We'll continue to allocate a substantial portion of the Cash option to term deposits with approved deposit–taking institutions across a range of maturities up to one year. This improves returns to members while also ensuring liquidity and flexibility, so we can take advantage of opportunities.
While other central banks have reduced official interest rates, the Reserve Bank of Australia (RBA) has kept interest rates unchanged. It's unlikely rates will be lowered until February or March 2025 at the earliest. We continue to take advantage of any significant rise in money market rates to lock-in higher returns for our members.
| Accumulation accounts | Retirement Income accounts | |
|---|---|---|
| 10 years (p.a.) | 2.04% | 2.38% |
| 7 years (p.a.) | 1.96% | 2.29% |
| 5 years (p.a.) | 1.96% | 2.29% |
| 3 years (p.a.) | 2.82% | 3.30% |
| 1 year | 4.38% | 5.11% |
| 3 months | 1.08% | 1.26% |
Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs. Returns shown here for our Accumulation account are also the returns that apply for TTR income accounts. Tax doesn't generally apply to investment earnings on Retirement Income accounts
| Strategic asset allocation3 | |
|---|---|
|
Australian shares
|
0% |
|
International shares
|
0% |
|
Fixed Income
|
0% |
|
Unlisted Assets and Alternatives
|
0% |
|
Cash
|
100% |
| Total | 100% |
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