10-year returns as at 30 June 2025
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: | $6.7 billion |
| Pension assets: | $2.3 billion |
As at 30 June 20251
Our Cash option’s primary objective remains to invest with a focus on maintaining liquidity and good credit quality and is expected to continue to deliver very stable returns at a margin above the Bloomberg AusBond Bank Bill Index. Our Cash option’s returns are derived from bank deposits and short-term money market securities.
We will continue to allocate a substantial portion of our Cash option to term deposits with approved deposit–taking institutions across a range of maturities up to one year, thus enhancing returns to members while ensuring reliable liquidity and flexibility to take advantage of opportunities that present good returns with low risk.
After the Reserve Bank unexpectedly left interest rates unchanged in early July, money market interest rates rose, providing us with an opportunity to lock in higher future returns for our members. Since then, the market has again repositioned itself to expect rate cuts over the remainder of 2025.
| Accumulation accounts | Retirement Income accounts | |
|---|---|---|
| 10 years (p.a.) | 2.16% | 2.53% |
| 7 years (p.a.) | 2.19% | 2.57% |
| 5 years (p.a.) | 2.40% | 2.81% |
| 3 years (p.a.) | 3.78% | 4.43% |
| 1 year | 4.21% | 4.96% |
| 3 months | 0.99% | 1.16% |
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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