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Term Account - Cash Management Fund

Offering up to 8.50% p.a1*, watch your investment grow with our Fixed Term Account. Invest from $10,000.

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Account overview

With interest calculated daily and paid monthly or at maturity, invest your money for 6 or 12 months in a stable investment account. Choose between a fixed or variable interest rate depending on your situation and risk profile. Our fixed rate offers you peace of mind, knowing exactly what your investment will earn during the chosen term1. On the other hand, our variable rate can fluctuate in line with the RBA movements. Ideal for everyday investors and self-managed super funds.

 

* Interest rates are set daily and are subject to change. All Investments carry risk. Please review the PDS & TMD prior to making any investment
1 Rated or Shadow Rated
The Remara Cash Management Fund – Term Account is a Registered Managed Investment Scheme. The product is not issued by an authorised deposit taking institution and is not subject to the Commonwealth Financial Claims Scheme.

Foresight Analytics Very Strong Complex Logo Foresight Analytics has assigned a VERY STRONG investment rating and Product Complexity indicator of COMPLEX
6 Month Term Account - Fixed Rate
6.50%* p.a

Today's Rate - Fixed for Term

6 Month Term Account - Variable Rate
6.75%* p.a

Today's Rate - RBA + 1.50% for Term

12 Month Term Account - Fixed Rate
8.25%* p.a

Today's Rate - Fixed for Term

12 Month Term Account - Variable Rate
8.50%* p.a

Today's Rate - RBA + 3.00% for Term

$10,000

Minimum Investment

Fund Documents & Market Updates

Fund Documents

View general fund information including the funds investment rating report and Target Market Determinations.

Features & Benefits

  • Competitive interest rates*

    Invest your savings and earn up to 7.50% p.a. Lock in a great fixed rate upfront, or opt for our variable rate option. * Interest rates are set daily and are subject to change. All Investments carry risk. Please review the PDS & TMD prior to making and investment

  • Short investment period

    Avoid locking your money away for years and years. Choose between an investment term of either 6 or 12 months.

  • Interest paid monthly or maturity

    Interest is calculated daily and paid monthly. You also have the option to reinvest distributions and receive your full return paid at maturity (6 or 12 months). At the end of your investment term, either reinvest just the principal or the principal and the interest or withdraw your funds altogether.

  • Link to your Remara At Call Account

    Link your Term Account to your At Call Account through our online investor portal and have complete control and visibility over your portfolio.

  • Low management fees

    One low management fee of 0.05% p.a.

  • Easy account management

    View your interest rate and current investment balance and change your maturity instructions anytime through our online portal.

Account details

Open to all Australian investors, our Term Accounts invest in secured credit backed by cash, AAA and/or investment-grade-rated securities. Offering a stable return above the RBA cash rate + 150bps1 for six months (currently 5.85%) and RBA + 200bps1 (currently 7.35%) for twelve months. All returns are post any fees. If you are looking for an investment fund that delivers a lower risk and attractive return over a fixed period, look no further. Refer to Section 4.1 of the Product Disclosure Statement for further details.

1 Interest rate set daily on remara.com. Once invested, margin is fixed through the term of the investment. All investments carry risk. Please review the PDS &  TMD prior to making any investment.

Full fund specifications

Fund Name
Remara Cash Management Fund
Investment Manager
Remara Investment Management Pty Ltd
Trustee/Responsible Entity
Melbourne Securities Corporation Limited (ACN 160 326 545)
Custodian
Perpetual Corporate Trust Ltd
Target Return
6 Month Investment Grade: RBA + 150bps. 12 Month Investment Grade: RBA + 200bps
Investor Eligibility
Available to all investors domiciled within Australia.
Risk Level
Low
Minimum Investment
$10,000
Withdrawals
Daily
Distributions
Monthly or at Maturity of Fixed Term.
Investment Objective
Provide investors with: A managed credit-related investment account, regular variable returns, cost-effective investment structure, mixture of terms available
Investment Horizon
6 or 12 Months
Management Fees
0.05% of the Gross Asset Value of the Fund. This fee is calculated and is payable monthly in arrears from the Fund’s assets.

How to get started?

  1. Step 1

    Open an account

    Open a Remara Investment Account in minutes. Our online portal gives you access to our range of investment funds.

    Open account

  2. Step 2

    Verify your identity

    As part of our application process you will be required to validate your identity and confirm

  3. Step 3

    Deposit funds

    Simply connect a deposit method, choose your preferred investment product and deposit your funds.

  4. Step 4

    Keep track

    With your Remara Investment Account, you can easily view your account balances and transfer funds securely and conveniently from anywhere, at any time.

Frequently asked questions

Is Remara a bank?

No, Remara is not an Authorised Deposit Taking institution (ADI).

Is an Investment into the Term Account - Cash Management Fund covered by the Australian Government deposit guarantee?

No, as Remara is not an Australian deposit taking institution, the investment is not covered under the guarantee.

When are interest payments made?

Interest is calculated daily and paid at maturity.

How do I open an account?

Opening an account is simple through our online investor portal. We have made the application process fast and easy to do, plus you can reach out to our team should you have any questions.

How do I check my account balance?

Easily see your investment balance online using your login credentials through our dedicated investor portal.

What interest rate will be applied to my fixed term investment?

If you choose a fixed rate, the interest rate that applies is the current rate on the day your application is approved and your account is opened. On the other hand, if you opt for the variable interest rate, interest is calculated daily and can fluctuate with market conditions.

Can I link my Fixed Term Cash Management Account to another Remara Fund?

Yes, you can link multiple Remara investment accounts through the investor portal, allowing you complete visibility across your savings and the ability to move money between your investment funds.

What is a Fixed Term Account?

With a fixed-term account within the Remara Cash Management Fund, you invest your money for a specified period (6 or 12 months). It is a great option if you don’t need regular access to your money and are looking for a low-risk investment to grow your cash holdings. When your term reaches maturity, you will be notified and can either choose to reinvest the original principal only, the principal and the interest earned or withdraw your funds entirely.

What is the difference between the At Call Account and the Fixed Term Account?

Our Fixed Term Accounts allow you to invest your money for either 6 or 12 months at a fixed or variable rate. On the other hand, our At Call Account allows you to add and withdraw funds as you please, with the interest calculated daily and paid monthly. In general terms, a fixed term account will earn a higher interest rate in return for investing your money for a longer period. A Fixed Term Account suits investors who don’t need immediate access to their money, whereas an At Call Account allows you to access your money at any time.

Can I have more than one account type?

Yes, you can definitely have more than one Fixed Term Account. If you are looking to do this, you may want to consider spreading out the maturity dates so that you have access to your money at different points in time.

How do I know when my Fixed Term Account is going to mature?

Your maturity date will be outlined when you open your account. You will also be notified when maturity is approaching so that you can decide how you want to proceed with the money you have earned.

Get started

Download our information pack for more details or open an account online in minutes.

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