Monthly income with Target rates up to 8.50% p.a.

TermPlus provides everyday Australian investors with steady, attractive monthly income, offering a simple way to achieve competitive returns

Sign up now

Why invest with TermPlus

Income hits monthly.

Straight into your Superhero Wallet. Decide whether to reinvest back into your TermPlus account or invest in other securities on Superhero.

Invest within the Superhero App

Manage your TermPlus investment alongside your shares, ETFs and Super on the award-winning Superhero app, winner of WeMoney’s Best for Mobile Experience 2023 award.

No Set up fees or monthly account fees.

Access TermPlus through Superhero with no setup or monthly account fees. The target rate displayed is net of any fees, so you know exactly what you’re earning.

Term Lengths and Target Rates

Start with a minimum balance of $2,000.

1 Year Account

7.35% p.a.

RBA Cash Rate + 3.00%

2 Year Account

8.00% p.a.

RBA Cash Rate + 3.65%

5 Year Account

8.50% p.a.

RBA Cash Rate + 4.15%

Target rates are set as a fixed margin above the RBA Cash Rate. Variable over the course of the term.

Open Account

Get started with TermPlus

TermPlus offers a fixed term investment with monthly income. 
Access it through Superhero and start investing today. 

Income paid monthly
Choose between monthly income or reinvesting
Quick & Easy online application
Setup Fees $0
Monthly Account Fees $0
Invest with individual, company, trust and SMSF accounts
Open Account

Get started in minutes

1

Sign up for free

With just a few steps to complete it takes minutes to get started.

2

Deposit funds

Deposit instantly with PayID or choose from Bank Transfer, BPAY and PayTo.

3

Consolidate your funds

Easily consolidate your super from other funds into Superhero Super in the app.

4

Apply for insurance

Get the right cover to protect you and your loved ones’ financial future.

We're invested in your questions

More FAQs

Pengana Capital Limited (Pengana) (ABN 30 103 800 568, AFSL 226 566) is the issuer of units (Term Accounts) in TermPlus (ARSN 668 902 323).  Any advice provided is general in nature and does not take into account your particular objectives, financial situation or needs.  You should consider the PDS and TMD before investing in TermPlus.
Any reference to a target rate is a reference to the investment objective for the relevant account option in TermPlus, which may vary. Importantly, target rates are not guaranteed, and any investment is subject to investment risks.  Any forecasted returns may not reflect actual performance and past performance is not a reliable indicator of future performance.
Pengana is not a bank and is not regulated by the Australian Prudential Regulation Authority. Investing in TermPlus is not the same as depositing money with a bank.
For further details, please see the Important Information page on TermPlus’ website.

Where real wealth is built

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Superhero Markets Pty Ltd (ABN 36 633 254 261) is a Corporate Authorised Representative (CAR 1276309) of Superhero Securities Limited (ABN 96 160 456 315) (AFSL 430150).

Superhero Super Pty Ltd (ABN 40 667 649 854) is a Corporate Authorised Representative (CAR 1306018) of Superhero Securities Limited (ABN 96 160 456 315) (AFSL 430150). Superhero Super Pty Ltd is the promoter of Superhero Super. Superhero Super is issued by Diversa Trustees Limited (ABN 49 006 421 638) (AFSL 235153) as trustee of OneSuper (ABN 43 905 581 638). Superhero Super is a sub-plan of OneSuper.

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However, it is important to understand that Superhero does not provide financial advice that considers your personal objectives, financial situation or particular needs. Any advice provided is intended to be of a general nature only.

All investment products carry risk. As share markets go up and down, so too can the value of your investment and past performance is not indicative of future performance. It is therefore important to carefully consider the risks involved before you sign up and invest.

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^Performance returns are calculated net of investment fees and investment tax. Administration Fees and Costs are not included. Please refer to our Product Disclosure Statement for more information. Past performance is not a reliable indicator of future performance. Performance for periods greater than one year is annualised. Investment returns are not guaranteed.