#1 fund for weathering market ups and downs3
SuperRatings' Pension of the Year three years in a row4
If you are a short-term investor who wants to protect the value of your investment, the Cash option may be suitable for you. However, you should be aware that there will be little short-term real growth.
To match the return of the Bloomberg AusBond Bank Bill Index, after fees and tax.1
Suited to investors with an investment timeframe of less than 1 year.
Total fee includes administration fees (0.16%), investment fees, and indirect cost ratio. View detailed fee breakdown
Investors should be aware that a negative annual return is expected less than 0.5 times in any 20 years. Read more about the standard risk measure.
The Cash option has a very low risk level when measured over the short term. However, if you intend to stay invested in this option for a longer timeframe, you should consider whether the current low returns will be enough for your situation.
One of the mistakes some investors make is switching to Cash and locking in a loss in their previous investment option, rather than focussing on long-term goals.
1-year short-term risk
10-year long-term risk
Investing your super in more than one asset class is a good strategy to reduce risk. QSuper's Single Sector investment options are designed to be used in combination with our other investment options.
Consider whether the low investment returns in Cash will be enough to keep up with the cost of living. Depending on your situation, investing in term deposits may be another option.
Deciding which investment option is best for you will depend on your personal circumstances, and you can now get personal financial advice online. It's easy and only takes 10-15 minutes.
Find out more about what Cash returns to expect in the "new normal" of low interest rates.
The Cash option invests in a mix of deposits at call, bank bills, and term deposits.
The fund's investments are managed by QSuper.
In just 10-15 minutes, you can get personal financial advice about a range of different investment options for your goals as a QSuper member. Not yet a member? Join now
1. The Bloomberg AusBond Bank Bill Index is constructed as a benchmark to represent the performance of a passively managed short-term money market portfolio. It is made up of a series of bank bills of equal face value, each with a maturity 7 days apart.
2. Our total fee includes administration fees, investment fees, and indirect cost ratio, which are based on the fees and costs for the financial year ended 30 June 2021. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared and may differ from future fees and costs. Other fees may apply.
3. For periods of one year or less, the return is net of fees and tax. For periods greater than one year, the return is a compound annualised return, net of fees and tax.
4. These figures have been rounded for member reporting.