Capital Guaranteed Super
If you’re looking for a retirement savings account to safeguard your superannuation nest egg as you near retirement, our Capital Guaranteed Super Account provides a low cost, low risk and user-friendly way to manage your super. Guaranteed against negative returns, you’ll choose from variable and fixed rate investment options and benefit from zero ongoing fees.
Main features of the Capital Guaranteed Super Account:
- No entry, investment or ongoing fees
- Online access
- Concessional tax rate
- Capital guaranteed – no risk of negative returns
- Ability to rollover existing super balances
- Fixed and variable interest rate investment options
- Interest calculated daily and paid monthly on the Variable Rate option
- Interest calculated daily and paid monthly on Fixed Term options
- Covered by the Financial Claims Scheme
- Asset class 100% cash
Rates & Fees
Here are the rates and fees for the Capital Guaranteed Super Account:
- Minimum opening investment $0
- Minimum ongoing balance $1,500
- Minimum term deposit investment $20,000
Variable Rate Investment Option*
|$0 - $9,999||1.25% p.a.|
Fixed Term Investment Option^
|12 months||3.00% p.a.|
|24 months||3.00% p.a.|
*Interest is calculated daily and paid monthly to members' accounts.
^Minimum investment is $20,000. Interest is calculated daily and paid at maturity to members' accounts.
There are no entry, ongoing or exit fees. Additional fees may be payable. For information about fees payable in relation to our Capital Guaranteed Super Account, please read the PDS.
Here are our most frequently asked questions about the Capital Guaranteed Super Account. Call us on 1300 13 23 28 if you have a different question.
Is there a minimum balance needed to open a Capital Guaranteed Super Account and keep it active?
There is no minimum balance needed to open an account, however a balance of at least $1,500 is needed to keep the account active.
Can I choose between fixed or variable investment options?
Yes, you can choose between fixed or variable rate investment options depending on your requirements.
Can I put my money into a term deposit to earn interest?
Yes, you can choose to put some or all of your funds into a term deposit, however a minimum balance of $20,000 is needed to open a term deposit.
What does ‘Capital Guaranteed’ mean?
The capital guarantee means that you’ll never lose your original capital and your investment is protected from the risk of generating a negative return.
How can I access my money?
You can view 24/7 via your funds via our dedicated superannuation portal.