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.
No negative
returns
Online
access
Covered by
the Financial Claims Scheme
Overview
Main features of the Capital Guaranteed Super Account:
- Online access
- No entry or investment fee
- Nominal administration fee of $5 per month
- 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 on maturity 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 $6,000
- Minimum ongoing balance $6,000
- Minimum term deposit investment $20,000
Variable Rate Investment Option*
| Balance | Interest Rate |
| $0 - $9,999 | 0.25% p.a. |
| >$10,000 | 0.25% p.a. |
Fixed Term Investment Option^
| Term | Interest Rate |
| 12 months | 4.80% p.a. |
| 24 months | 3.95% p.a. |
| 36 months | 3.95% 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 or investment fees. Additional fees may be payable. For information about fees and costs, please refer to the Product Disclosure Statement.
Questions
Here are most frequently asked questions about the Capital Guaranteed Super. If you have questions or like to have general product discussion, please call us on 1300 13 23 28
Is there a minimum balance needed to open a Capital Guaranteed Super Account and keep it active?
Yes. The minimum balance needed to open an account is $6,000. A balance of at least $6,000 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 invest in fixed term option to earn interest?
Yes you can, You can invest in single or multiple fixed term options as far as you meet the minimum investment amount of $20,000 per fixed term. Please note you will be required to maintain a minimum of $180 in variable interest option.
What does ‘Capital Guaranteed’ mean?
The Capital Guarantee that your investment is guaranteed to have positive return and is protected against negative returns when there is a downturn in the economy.
How do I access my account?
You can view your superannuation account 24/7, simply login to our superannuation portal. You can view your account balance, investment options and a lot more.
