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Sandhurst Cash Common Fund

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 Cash Common Fund (Fund) aims to provide a stable, cash-based investment that delivers higher returns than traditional 'at-call' style bank accounts.

The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

Minimum initial investment $1,000

Funds generally available at call1

Access to Bendigo e-banking services2

How it works

The Fund provides a functional ‘at call’ cash style investment that exhibits capital stability and provides regular income and convenient access to your money. Sandhurst aims to preserve the capital of your investment whilst also generating a competitive return when compared to other similar style cash savings accounts.

The authorised investments of the Fund currently include the following investment classes:

  • A bank accepted or bank endorsed bill of exchange which at the time of acquisition has a maturity date of less than 370 days
  • A certificate of deposit issued by a bank whether negotiable, convertible or otherwise
  • A term deposit with a bank


  • Low minimum initial investment of $1,000
  • Regular income through quarterly distributions
  • Add to your investment at any time
  • Ability to have income distributions re-invested
  • Funds are generally available at call1
  • Access to Bendigo Bank e-banking services available for online banking2

Defensive or conservative

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 60% of this portfolio would be in defensive assets.

Risk Profile


View the Save it, Invest it, Grow it.

Learn more

Rates and fees3

No entry or exit fees
No fees for additional contributions
Management Fees and costs 1.03% p.a. of the net asset value of the fund.

Rate effective 26 March 2024 is 3.85% p.a.4

View latest Fund performance report

View past returns

Move towards your goals. Apply online today.

Related documents

The information on this page is a summary only. For further information please refer to the following documents

Latest performance report

Need to talk to us?

Enquire online

Send us an online enquiry if you have any questions.


Call us today between 8.30am to 5pm (AEST/AEDT)

At a branch

Use our branch locator to search for a branch, agency or ATM near you.

Things you should know

Target Market Determinations for products are available.

1 Sandhurst shall satisfy withdrawal requests as soon as practicable (generally on the same day, but not more than 12 months). However, withdrawal requests may be delayed or refused if in Sandhurst’s reasonable opinion it is in the best interests of investors as a whole to do so. Investors will only have limited rights to withdraw if the Fund does not satisfy the liquidity test in the Corporations Act. There is a risk that withdrawal proceeds will not be paid within a reasonable period after the initial investment term.

2 Please contact 1300 236 344 to apply for e-banking services. Approval is subject to Bendigo Bank’s discretion.

3 Refer to the ‘Fees and costs’ section of the current Product Disclosure Statement for more details of fees and costs.

4 Rate is subject to change.

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.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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