Term Deposit

June 30 2017

Strategic asset allocations

Effective from 1 January 2016
(asset allocation ranges are shown in brackets)

Term Deposit 100% (100%)

Suitability: This option may be suitable if a predictable level of income is a priority, along with safeguarding your investment capital.

To provide an overall return comparable to the RBA Cash Rate as well as rates of return competitive to those offered directly by the major banks.


Growth assets to
defensive assets:
100% defensive
Minimum suggested
investment timeframe:
1 year or term deposit maturity period
Risk band#: 1 - VERY LOW
Estimated number
of negative
annual returns#:
Less than 0.5 over any 20 year period

How do term deposits work?

Learn more about Term Deposit with ESSSuper to help you understand if this option is right for you and how the process works.

Learn more


View Term Deposit rates



# The standard risk measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The standard risk measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s.