Capital Guaranteed
Investment objective
To guarantee a member’s capital^ and to outperform retail cash management accounts by at least 0.5% pa*.
Investment strategy
A defensive option that invests wholly in a capital guaranteed fund provided by a life office. The invested capital amount is guaranteed but the income may be reduced in the event of poor investment returns.
Risk profile
Short-term. If you choose this option, be prepared to stay invested in it for 1 to 3 years before it meets its objectives.
Expected frequency of negative annual return
Not expected in any 1 year period.
Risk classification
Low-risk. Returns will fluctuate minimally from year to year.
Strategic Asset Allocation
Performance for Capital Guarantee
| AusSuper |
0.02% |
5.14% |
5.73% |
4.50% |
4.74% |
4.63% |
4.55% |
| Benchmark |
n/a |
n/a |
4.47% |
4.26% |
5.10% |
4.93% |
n/a |
Benchmark
UBSA Bank Bill Index adjusted for fees and tax.
^The Capital Guaranteed option invests through a life office capital guaranteed statutory fund under a policy issued by AXA Australia. The terms of this policy have the effect that the original capital amount invested cannot reduce due to poor investment returns and the manager aims to provide a smoothed investment return.
The returns quoted are net of fees and tax. The 1 year, 3 year, 5 year, 10 year and since inception figures, where they appear, are rolling returns as at 30 June 2011. These historical returns are the combined return information from previous ARF and STA investment options.
Please note that as the AustralianSuper Pension commenced on 1 January 2008, the historical return information provided prior to this date is an estimate only of the rates that would have applied if the AustralianSuper Pension had been available. These returns have been provided for information purposes only.
Where only one of the merging funds previously offered an equivalent to an option in the new product suite, the returns of that option have been used. Where both funds offered an equivalent option, the combined returns (asset weighted where possible) have been used. The same process has been used for calculating historical investment fees. Investment returns are not guaranteed as all investments carry some risk. Past performance gives no indication of future returns. The Trustee endeavours to provide accurate information at the time of publication, however, changes may be made if subsequently required.
The Strategic Asset Allocation (SAA) and other information shown in this section is current as at November 2010 (unless stated otherwise). The Trustee may alter the strategic asset allocation or the composition of individual asset classes from time to time to suit prevailing market circumstances.
Read about our Crediting rate policy
Read the Investment option Terms and Conditions