Six super tips for Gen Zs

Generally, you’re entitled to super of 11.5% if you’re: 18 or over, or under 18 and working 30 or more hours a week. Some good news: this goes up to 12% on 1 July 2025! Check your super’s being paid through the Cbus Super app. If you think you’re missing out, speak to your employer or call us.

When you start a new job, you can choose to have your super paid to your Cbus Super account. Use the 'notify your employer' feature in the app. If you don't choose, your boss might pay your super into a different fund – like a fund you had with an earlier job. This may not be right for you.

When you’re young and healthy it’s hard to imagine having an accident, illness, or something worse. But things happen. We offer affordable, flexible insurance cover that’s paid from your super, not your salary. With some other funds, you won’t get automatic cover if you’re under 25 or have an account balance of less than $6,000. We have a dangerous occupation exemption, and provide automatic cover to eligible members, regardless of age or account balance.

We provide cover for high-risk jobs like working from heights, working underground or in confined spaces. Does this sound like work you do? You might want to be covered for that.

If you have more than one super account you could be paying more fees than you need to. Consider keeping your super in one place – you could save time and money. But think about your insurance needs before going ahead and consolidating.

We give eligible long-term members a loyalty rebate on insurance costs, putting more money aside for your retirement. Check out our insurance page for more details about how the rebate works.