As a fund built to benefit members, Cbus works to keep all fees and costs as low as possible.

Superannuation fees and costs

The fees and costs to your account will include:

your investment options
your individual insurance cover
your administration fees.

Type of fee or cost	Amount		How and when paid
Ongoing annual fees and costs ¹
Administration fees and costs ¹	$1.50 a week ($78 a year) Plus 0.19% of your account balance up to $1,000 a year Plus 0.03% a year³		Deducted from your account at the end of each month or when you close your account. Deducted from fund reserves (not from your account)
Investment fee and costs ^{2, 3} Investment fees and costs are different for each investment option:	Pre-mixed options		Deducted from returns before the crediting rate is applied to your account.
	High Growth	0.44% a year ($4.40 for each $1,000)
	Growth Plus	0.45% a year ($4.50 for each $1,000)
	Growth (MySuper)	0.42% a year ($4.20 for each $1,000)
	Indexed Diversified	0.07% a year ($0.70 for each $1,000)
	Conservative Growth	0.32% a year ($3.20 for each $1,000)
	Conservative	0.25% a year ($2.50 for each $1,000)
	DIY options
	Overseas Shares	0.31% a year ($3.10 for each $1,000)
	Australian Shares	0.46% a year ($4.60 for each $1,000)
	Property	0.54% a year ($5.40 for each $1,000)
	Diversified fixed interest	0.22% a year ($2.20 for each $1,000)
	Cash	0.04% a year ($0.40 for each $1,000)
Transaction costs ³ Transaction costs are different for each investment option	Premixed options		Deducted from returns before the crediting rate is applied to your account.
	High Growth	0.08%
	Growth Plus	0.08%
	Growth (MySuper)	0.08%
	Indexed Diversified	0.02%
	Conservative Growth	0.06%
	Conservative	0.03%
	DIY options
	Overseas Shares	0.03%
	Australian Shares	0.09%
	Property	0.15%
	Diversified fixed interest	0.00%
	Cash	0.00%
Member activity related fees and costs
Buy-sell spread	Nil		Not applicable
Switching fee	Nil		Not applicable
Other fees and costs	Other fees and costs may apply, such as insurance premiums. See the additional explanation of fees and costs at cbussuper.com.au/fees

¹If your account balance for a product offered by Cbus Super is less than $6,000 at the end of the Cbus Super income year, certain fees and costs charged to you in relation to administration and investment are capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded.

² Investment fees and costs include an amount of 0.00-0.14% for performance fees based on the average performance fees for the five years to 30 June 2023, and if the investment option started less than five years ago, the performance fee is the average for the period since the option commenced.

³These figures are estimates based on costs for the previous financial year and may change. The calculation basis for these amounts is set out in Investment fees and costs fact sheet at cbussuper.com.au/fees.

Some other fees you may incur

Insurance premiums

When you join Cbus Industry Super, most members qualify for our default level of Death and Total and Permanent Disablement (TPD) cover. The cost of insurance is paid direct from your super account and will depend on your age, occupation and the amount of cover you have. Find out more about the types of cover available.

Cbus Advice Services

As part of your Cbus membership, you have access to our team of financial advisers at no additional cost. Cbus Advice Services can provide you with advice over the phone about:

our range of super products
choosing an investment option that’s right for you
contribution strategies including salary sacrifice and personal contributions
nominating beneficiaries
planning the best ways to maximise your super for retirement
more information and assistance regarding the insurances available through Cbus.

Comparisons by SuperRatings ⁴

Compare your super balance using our calculator

See how much better off your super balance could be with Cbus Super compared to the average retail super fund

Super Calculator

⁴As at June 2023. Based on an income of $80,000 and a starting super balance of $50,000 modelled by SuperRatings. Full assumptions available on SuperCalculator