This option is very conservative, investing mainly in defensive assets. It has small exposure growth assets to keep returns ahead of inflation.


Return target is to outperform the Bloomberg AusBond Bank Bill Index over rolling 1 year periods after fees and taxes.

Best suited to

Those seeking a return that matches the RBA cash rate and who are concerned about protecting their capital, or those wanting to build their own investment strategy by combining with other single asset class options.

Suggested minimum holding period


Estimated fees and costs

Administration: 0.18% p.a. plus flat fee of $1.50 p/w
Investment management: 0.03%
Indirect costs: Nil

See the Fees and other costs section of the Investment choice guide for a full explanation of the costs for each investment option.


Level of investment risk: Very low

Very Low Risk (Scale 1 of 7)

Negative returns expected 0.0 out of 20 years.

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