Cash Investment Fund

Cash Investment Fund

Some people keep their money in a traditional savings account as an asset management strategy. However, inflation can eat away at the purchasing power of one’s savings over time, as traditional savings accounts can offer low interest rates.

If you already know that relying on your savings alone to support your future goals may not suffice, you’re likely interested in investing in a cash investment fund, or other options for personal investments. The good news is that now that you’ve found TPT Wealth, you can leverage our managed fund services so you won’t have to make direct investment decisions.

To help you make informed decisions about your investment objectives, we’ve answered frequently asked questions regarding a cash investment fund below. It’s important to remember that the information below is meant to be general and doesn’t take into account anyone’s specific investment goals, financial situation, or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and seek independent advice. Always read the relevant Product Disclosure Statements (PDS) and other disclosure documents including the Target Market Determinations before making any decisions.

Cash & Income Funds

Aiming for capital stability and consistent investment returns.

  • Short to medium term investors
  • Generate income from a diversified portfolio
  • Assets include bonds, money markets and mortgages
  • Delivers monthly variable returns

Investment Growth Funds

Potential for higher average investment returns over the long term.

  • Long term investors
  • Assets include property, Australian and International shares
  • Short term ups and downs are part of the funds’ performance
  • Regular income streams

All investments involve various elements of risk. Whilst TPT Wealth cannot eliminate all risks associated with an investment in the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds (including the risk of loss of income and capital invested), as Responsible Entity and Investment Manager we employ a range of strategies that seek to actively identify, assess, manage, and reduce risk. Neither TPT Wealth, nor MyState Limited or MyState Bank Limited guarantee the repayment of capital or the performance of the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds. For important information about Funds and their risks, please refer to the Fund’s PDS and TMD.

ASIC Benchmark Disclosures:
ASIC has developed a range of benchmarks for unlisted mortgage schemes (such as the Income Funds) the enable investors to understand the risks and assess the suitability of the investments. This information is updated on a quarterly basis and made available on this website.

Why invest with TPT Wealth?

Short, medium to long term investments
Over 30 years experience
Invest in assets generally not available to retail investors
24/7 access to your investments via our online investor portal

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What are some examples of cash investment funds?

Before we elaborate on that, let’s first answer the question, ‘What is a cash fund investment?’

A cash investment fund is a short-term investment that earns interest based on a percentage of your initial investment. Cash investments, like money market accounts (MMAs) and certificates of deposit (CDs), can easily and quickly be converted into cash.

The most suitable cash investment fund option for you will vary depending on your individual wealth management goals and investment preferences. If your investment objectives include lower risk, stable income, capital preservation, diversification, and reduced volatility, you may find TPT Wealth’s cash and income fund options to be an attractive choice. Even though the capital is not guaranteed, income funds are still a lower-risk option, especially when you look at the asset mix, the benefits, the risks, and the time it takes to get your money back.

The income funds we offer invest in different asset classes, such as money markets, fixed income, and commercial mortgages. They aim to provide investors with capital stability and regular, competitive income (paid monthly).

For a smooth experience with TPT Wealth, please obtain and review the relevant disclosure documents available on the Reports & Disclosures page. These include Product Disclosure Statements (PDS), Target Market Determination (TMD), Financial Services Guide, Privacy Policy, Benchmark Disclosure Reporting, and continuous disclosures.

Is it a good idea for beginners to invest in cash funds?

It could be ideal for beginners to have a conservative approach to investing, prioritising capital conservation over returns. A cash investment fund is considered to be one of the most secure type of investment, with less risk compared to stocks and bonds. It may be a good choice for conservative investors who want to keep their money safe while still making stable returns.

Beginners can benefit from TPT Wealth’s managed fund services because they provide access to the knowledge, experience, and financial insights of a dedicated investment management team. With that, you won’t have to make direct investment decisions, as a skilled and experienced professional will manage the investment funds on your behalf.

Another benefit our managed investment service offers is that you can pool mutual funds with other investors, allowing you to get into investing with low capital. Diversified portfolios can also make your investments more stable and consistent.

How do I choose the right cash investment fund for myself?

Choosing the right cash investment fund will depend on your personal circumstances and financial goals. It can help to know what you want from your investments, like making money or preserving your capital, so you can narrow down your choices and choose a fund that fits your goals. Evaluating your risk tolerance can also help you make a decision as to what cash investment fund is best for you.

Income funds

You can consider income funds as an investment option if you are looking for low- to medium-risk/returns. By investing in these funds, you can receive current distributions from interest payments and other securities that are focused on preserving capital.

In spite of the capital not being guaranteed, income funds still offer a lower-risk investment option when considering assets, benefits, risks, and redemption times. Instead of maximising capital gains, this fund is designed to generate monthly income.

At TPT Wealth, we aim to assist you in making sound financial decisions. We have a forward-thinking investment management team with decades of experience who are committed to providing trustworthy and high-quality financial wealth services. We have continued to show our dedication to our mission of helping Australian investors make informed choices since 1887.

We’ve made our process straightforward, so opening an investment doesn’t have to be time-consuming and confusing. If you want to get started with TPT Wealth, our online application form is available on our website, or you can download and fill out one of the paper forms instead.

It’s very simple: you will simply need to select the type of account you desire, enter your details, and follow the prompts to submit the application. Please don’t hesitate to call us at 1300 138 044 or send us an email at if you have any questions or want to know more about our services.

By now, you’ve probably gained better cash investment fund knowledge and have learned how TPT Wealth can help with your investment objectives. So if you’re ready to start your journey with us, don’t hesitate to apply now and let us help you make financial decisions you can feel good about!

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