Cash investment option
If your circumstances require you to protect your wealth over growth, this is where the Cash option may come into play. This option is aimed at preserving capital, so it is expected to have lower risk and a lower return compared to other options.
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Return objective
Bloomberg AusBond bank index rate of return, net of fees.
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Investment horizon (i.e. anticipated time to retirement):
1 year.
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Life stage (general guidelines):
Retired.
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Estimated number of negative annual returns over a 20-year period:
Less than 0.5.
Who is this option suited for?
The Cash option may suit you if you're looking to invest only in cash, with a focus on preserving your savings. It can also be used for customers who want to include a cash exposure as part of a broader investment strategy¹.
See the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for more information.
¹This option aims to deliver a pre-tax return close to the Bloomberg AusBond Bank Bill Index.
Investment philosophy
CSC is focused on delivering dependable returns while carefully managing risk.
CSC’s highly experienced Investment team rigorously stress tests the portfolio across a range of scenarios to uncover and address any potential vulnerabilities.
Strong governance supports agile decision-making and the ability to capture first-mover advantage before others enter the market by identifying opportunities early to invest in future-ready businesses.
101 Collins Street Building
A landmark commercial building in Melbourne, Victoria owned by CSC.
With global best practice governance, proactive risk management and a forward-looking approach, CSC is well-positioned to deliver strong, long-term performance.
Performance
| Period | PSSap Cash | ADF Super Cash |
|---|---|---|
| 1 Year | 3.92 | 3.91 |
| 3 Years | 3.42 | 3.43 |
| 5 Years | 2.06 | 2.06 |
| 7 Years | 1.8 | 1.8 |
| 10 Years | 1.74 | |
| Investment performance as of 30 June 2025 and is calculated after fees and taxes. Past performance is no indication of future performance. |
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Allocations
| Asset class | ADF Super & PSSap Cash |
|---|---|
| Cash | 100% |
| For more details, see our target asset allocation and a full list of our current portfolio holdings. |
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1 The Standard Risk Measure (SRM) shows how often you might face negative returns over 20 years. It helps you understand risk and choose an investment that suits your super goals. Investment options and risk
2Winner of Money Magazine Best of the Best 2025 Award for Innovation in Retirement; Super Ratings Smooth Ride Award 2024; Asian Investor’s Institutional Excellence Awards 2022. For a full list of awards and recognition visit csc.gov.au/awards.