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Comparing your options

Your choice of investment option could have a big impact on Member Savings account balance, so choose carefully and seek licensed financial advice!

Cash Return Member Savings Market Return Member Savings
Suitability Suitability
This option may be suitable if seeking to protect your savings, avoid having a negative Crediting Rate, and not seeking higher growth over longer periods of time. Selecting this option will avoid any capital loss of your savings. This option may be suitable if you are seeking higher growth over longer periods of time (7 years or more), and understand that the Crediting Rate will go up or down and will sometimes be negative.
Investment return objective Investment return objective
AusBond Bank Bill Index, net of tax Cash* + 3% to 4% pa
Minimum suggested time-frame  Minimum suggested time-frame 
0-3 years 5 - 10 years
Strategic asset allocation Strategic asset allocation
Cash:  100%
Public Market Shares:40%
Private market assets:^30%
Other Growth assets:0%
Risk level Risk level
Very low
Protected by a capital guarantee, which means that the Crediting Rates for the Cash Return option cannot be negative.
The estimated number of negative annual returns is expected to be 4 to less than 6 in every 20 years.

*Cash as in the Cash Return Member Savings Crediting Rate.
^Private market assets include private equity, property, infrastructure and private debt.