Get access to your money any time by investing in our low-risk, cash-based investment fund.
Easy access to your money if you need it
The Adelaide Cash Management Trust (Trust) may be the ideal way to consolidate your cash as the central point or ‘hub’ of your investment portfolio.
The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.
Low initial investment $5,000
Funds generally available at call1
Debit card access
How it works
The Trust will invest in cash. All cash is invested on deposit with the Bank. The Trust aims to meet or exceed the official cash rate set by the Reserve Bank of Australia (before fees).
The Trust is a registered managed investment scheme, whereby your money is pooled with other investors' money.
Features
Online banking
Regular income through monthly distributions
Add to your investment at any time
Rates and fees2
Here are some rates and fees that may apply to your account.
Management fees
0.50% p.a. of your account balance
Entry and exit fees
$0
Additional contribution fee
$0
Rate of return
3.85% p.a. effective 8 November 2023
Defensive
To invest in this style, you would have a low tolerance for losses and risks which naturally leads you to give up on a larger return that comes with higher-risk investments. This investment style often looks to fixed income products such as cash, loan funds and bond funds. Usually at least 80% of this portfolio would be in defensive assets. The pie chart demonstrates a Defensive Investment Style.
Risk profile
Low
Learn more about defensive investment style.
Ready to apply?
Move towards your goals.
Complete the application form
You can apply for the trust by completing and returning the application form.
Need advice
If you would like some advice please contact our customer service team.
View previous returns
Please note: These figures represent past performance only and are not necessarily an indication of future performance.
| Date | Return to investors % p.a. |
| 8 Nov 2023 | 3.85 |
| 7 Jun 2023 | 3.60 |
| 3 May 2023 | 3.35 |
| 8 Mar 2023 | 3.10 |
| 8 Feb 2023 | 2.85 |
| 7 Dec 2022 | 2.60 |
| 2 Nov 2022 | 2.35 |
| 5 Oct 2022 | 2.10 |
| 7 Sep 2022 | 1.85 |
| 3 Aug 2022 | 1.35 |
| 6 Jul 2022 | 0.85 |
| 8 Jun 2022 | 0.59 |
| 24 Dec 2020 | 0.19 |
| 23 Mar 2020 | 0.05 |
| 4 Mar 2020 | 0.10 |
| 2 Oct 2019 | 0.25 |
| 3 Jul 2019 | 0.50 |
| 5 Jun 2019 | 0.75 |
| 3 Aug 2016 | 1.00 |
| 4 May 2016 | 1.25 |
| 6 May 2015 | 1.50 |
| 4 Feb 2015 | 1.75 |
| 7 Aug 2013 | 2.00 |
| 8 May 2013 | 2.25 |
| 5 Dec 2012 | 2.50 |
| 3 Oct 2012 | 2.75 |
| 6 Jun 2012 | 3.00 |
| 2 May 2012 | 3.25 |
| 7 Dec 2011 | 3.75 |
| 2 Nov 2011 | 4.00 |
| 3 Nov 2010 | 4.25 |
| 5 May 2010 | 4.00 |
| 7 Apr 2010 | 3.75 |
| 3 Mar 2010 | 3.50 |
| 2 Dec 2009 | 3.25 |
| 4 Nov 2009 | 3.00 |
| 7 Oct 2009 | 2.75 |
| 8 Apr 2009 | 2.50 |
| 4 Feb 2009 | 2.75 |
| 16 Jan 2009 | 3.75 |
| 3 Dec 2008 | 4.00 |
| 5 Nov 2008 | 4.60 |
| 8 Oct 2008 | 5.35 |
| 3 Sep 2008 | 6.35 |
| 2 Jun 2008 | 6.60 |
| 5 Mar 2008 | 6.45 |
| 6 Feb 2008 | 6.20 |
| 7 Nov 2007 | 5.95 |
| 8 Aug 2007 | 5.70 |
| 17 Nov 2006 | 5.45 |
| 11 Aug 2006 | 5.20 |
| 12 May 2006 | 5.00 |
| 3 Jan 2006 | 4.75 |
| 18 Mar 2005 | 4.85 |
| 19 Dec 2003 | 4.60 |
| 21 Nov 2003 | 4.35 |
| 1 Jul 2003 | 4.10 |
| 21 Jun 2002 | 4.15 |
| 17 May 2002 | 3.90 |
| 5 Dec 2001 | 3.65 |
| 3 Oct 2001 | 3.90 |
| 5 Sep 2001 | 4.15 |
| 4 Apr 2001 | 4.50 |
| 21 Mar 2001 | 5.00 |
| 7 Mar 2001 | 5.05 |
| 28 Feb 2001 | 5.25 |
| 21 Feb 2001 | 5.30 |
| 7 Feb 2001 | 5.35 |
| 20 Nov 2000 | 5.75 |
| 20 Sep 2000 | 5.70 |
| 24 Aug 2000 | 5.60 |
| 26 Jun 2000 | 5.50 |
| 29 May 2000 | 5.40 |
| 3 May 2000 | 5.25 |
| 13 Apr 2000 | 5.10 |
| 13 Mar 2000 | 5.00 |
| 28 Feb 2000 | 4.90 |
| 14 Feb 2000 | 4.80 |
| 20 Jan 2000 | 4.70 |
| 1 Dec 1999 | 4.55 |
| 11 Nov 1999 | 4.45 |
| 3 Sep 1998 | 4.35 |
| 1 Jun 1998 | 4.25 |
Need help?
Whether you prefer online resources, phone assistance, or a friendly face-to-face chat, we offer a variety of ways to get the support you need. Let us know how we can help!
Enquire online
Send us an online enquiry if you have any questions.
Call us
Call us today between 8.30am to 5pm (ACST/ACDT)
At a branch
Use our branch locator to search for a branch near you.
Things you should know
Target Market Determinations for products are available.
1 Please see Transaction Services Guide Adelaide Cash Management Trust for information on the Adelaide Bank services provided. Approval is subject to Adelaide Bank’s discretion.
2 Refer to the ‘Fees and costs’ section of the Product Disclosure Statement. Transaction service fees may apply depending on the transaction service used. See “Transaction service fees” under the heading “Additional explanation of fees and costs” for more information. For further information on fees, charges, terms and conditions see the Transaction Services Guide Adelaide Cash Management Trust.
Sandhurst Trustees
Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Sandhurst is the responsible entity and issuer of the managed funds available on this website. Additionally, Sandhurst is the issuer of commercial lending products and the provider of traditional trustee services available on this website. Each of these companies receives remuneration on the issue of the product or service they provide. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank nor any of its related entities, and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested.
Information on the website is jointly prepared by Sandhurst and Bendigo and Adelaide Bank and subject to change without notice. Advice in relation to managed funds and commercial lending products is provided by Sandhurst. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.
The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.
Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products and services offered by the site owner.
