Our investment options

Suitability and risk

Suits members who want to invest in a specific asset class and are less comfortable with large fluctuations in the value of their investments.

1 year
Suggested minimum investment time frame
Very low
Summary risk level
Sector
Option type
$2.8 billion

Option size1

As at 30 April 2022

Expected frequency of negative annual return
Less than 0.5 years in 20 years
Total investment fees and costs and transaction costs (%)
Super: 0.06% | Pension: 0.06%

Depending on circumstances, this investment option may also be suitable for a suggested timeframe of less than one year.

Objective and performance

This option may invest in a diversified portfolio of cash and money-market securities, including (but not limited to) at-call and term bank deposits, bank bills, negotiable certificates of deposit, notice accounts and other short-term fixed income securities out to a maximum maturity of around one year.

However, from December 2021, where your funds are invested in this option, they will be placed in an at call deposit product with National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 pursuant to an arrangement UniSuper has with National Australia Bank Limited. This option is not a deposit by you in a bank account and your balance is not guaranteed under the Australian Government bank deposit guarantee scheme.

Please refer to the PDS for the most up to date investment returns objective information.

Objective

To achieve the RBA cash rate (before taxes, investment expenses, and deducting account-based fees) over the suggested time frame.

Performance against peers

2
Compare performance against the median performance of the top funds as identified by SuperRatings.2
% p.a.
As at 31 May 2022
Timeframe Cash performance SuperRatings median performance Outperformance
1 month 0.05 0.03 0.02
3 months 0.12 0.03 0.09
Financial year to date 0.24 0.11 0.13
1 year 0.25 0.13 0.12
3 years 0.48 0.47 0.01
5 years 1.00 0.98 0.02
7 years 1.26 1.21 0.05
10 years 1.68 1.63 0.05
Periods less than a year are not annualised.

Cash option performance ($)

2
As at 03 Jul 2022

Objective

To achieve the RBA cash rate (before taxes, investment expenses, and deducting account-based fees) over the suggested time frame.

Performance against peers

2
Compare performance against the median performance of the top funds as identified by SuperRatings.2
% p.a.
As at 31 May 2022
Timeframe Cash performance SuperRatings median performance Outperformance
1 month 0.06 0.04 0.02
3 months 0.14 0.06 0.08
Financial year to date 0.29 0.15 0.14
1 year 0.30 0.15 0.15
3 years 0.58 0.58 0.00
5 years 1.23 1.14 0.09
7 years 1.57 1.42 0.15
10 years 2.07 1.92 0.15
Periods less than a year are not annualised.

Cash option performance ($)

2
As at 03 Jul 2022