As at 31 December 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: | $5.3 billion |
| Pension assets: | $2.0 billion |
As at 31 December 20241
Our Cash option for Accumulation accounts returned 1.06% after tax and fees over the December quarter of 2024. Over 1, 3, and 5 years the option has returned 4.43%, 3.17%, and 2.10% p.a. respectively. In the December 2024 SuperRatings survey of options with a similar asset allocation, the Cash option has exceeded the median return over all time periods.
| Accumulation accounts | Retirement Income accounts | |
|---|---|---|
| 10 years (p.a.) | 2.08% | 2.43% |
| 7 years (p.a.) | 2.04% | 2.39% |
| 5 years (p.a.) | 2.10% | 2.46% |
| 3 years (p.a.) | 3.17% | 3.71% |
| 1 year | 4.43% | 5.18% |
| 3 months | 1.06% | 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% |
Learn more about what we invest in
This portfolio invests 65% in interest bearing accounts with authorised deposit-taking institutions (ADIs) including National Australia Bank Limited (ABN 12 004 044 937) 30%, Commonwealth Bank of Australia Limited (ABN 48 123 123 124) 20%, ME Bank (a division of Bank of Queensland Limited) (ABN 32 009 656 740) 5%, Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) 5%, Westpac Banking Corporation (ABN 33 007 457 141) 5%. The remaining 35% is invested in other cash assets which include money at call, bank bills and term deposits. Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates.
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