If you want to minimise your risk or add a defensive element to your portfolio, our Cash1 investment option might be right for you. Cash is considered to be a low-risk investment as it’s less likely to rise and fall in value over time. As a result, this option aims to provide stable returns over the long term.
* Investment costs are based on estimated and actual information from the previous year. The costs payable in future years may be higher or lower. Administration and other fees apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide.
^ Investment return over 10 years to 31 October 2023, net of investment fees and costs. Administration and other costs apply. Returns won’t display for options younger than 10 years. See the investment returns page for returns over all available periods.
Members with a two years–plus investment time frame who are seeking exposure to short-term money market securities, bank deposits and other similar investments. This option aims to deliver stable returns over a market cycle.
Asset class | Benchmark | Range |
---|---|---|
Cash | 100% | 100-100% |
This table shows the 12-month net return for our Cash option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.2
Year | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|
Return | 1.43% | 1.93% | 0.87% | 0.07% | 0.23% |
This table shows the average net return for our Cash option over 3, 5 and 10 years to 30 June 2022.2
Year | 3 years | 5 years | 10 years |
---|---|---|---|
Average return (p.a.) | 0.39% | 0.88% | 1.49% |
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1. The Cash option will be invested approximately 60% in deposits with Commonwealth Bank of Australia Limited and 40% in deposits with Members Equity Bank Limited.* Any remaining amounts of the Cash option will be invested in separate bank deposits, short-term money market investments or other similar investments. * Please note that maintaining a specific allocation requires regular rebalancing and the actual allocation may vary between rebalancing dates.
2. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.