If you’re retired, or transitioning to retirement, you can choose where your money is invested.

You can manage your Cbus Super Income Stream with an investment option to suit your goals, your time frame and your preferred level of risk.

If you don't choose how your money is invested in our Cbus Super Income Stream, it will be invested in the Conservative Growth option.

The Conservative Growth option is designed to meet the needs of Cbus Super Income Stream members. This investment option aims to provide adequate income by balancing returns with reduced short-term market volatility.

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Cbus Super Income Stream PDS

Find out everything you need to know about super income stream investment choices.

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Calculators

Use our handy calculators to help you make the most of your super.

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Need advice?

We’re here to help you get your super working. Call us on 1300 361 784.

Investment options

You can compare risk and return by selecting an investment option below.

For all investment option objectives: Cbus expects all investment options to achieve their targeted after-tax returns 75 per cent of the time.

Investment warning: Investment returns can go up and down. Past performance is not a reliable indicator of future performance.
Investment performance is based on the crediting rates, which is the return minus investment costs and taxes, the Trustee Operating Cost and reserves. Excludes administration fees.

Conservative Growth (default)

Suitable for individuals who can accept some years when returns are negative but who expect that over the long term, returns will be above inflation. Returns for this option are generally expected to be between the Growth and Conservative options.

Conservative Growth (default)

 

Investment Objective
Deliver an after tax return of inflation plus 3.0% p.a over rolling 10 year periods
Likelihood of negative annual returns 2 in 20 years
Risk level Medium

 

Asset Allocation Ranges Range %
Australian shares 5.0 - 35.0
International shares 0.0 - 28.0
Private equity 0.0 - 9.5
Opportunistic growth 0.0 - 9.5
Infrastructure 0.0 - 19.0
Property 1.5 - 21.5
Alternative debt (formerly credit) 0.0 - 16.5
Fixed interest 0.0 - 58.0
Cash 1.0 - 41.0

 

Historical returns % (crediting rate) to 30 June 2016
1 year 6.58%
3 years p.a n.a
5 years p.a n.a
Since inception p.a 7.98% (02/12/2013)

Cash Savings

Suitable for individuals who want to avoid negative returns, understanding that returns are expected to be less than other Cbus super income stream options over the long term.

Cash Savings

 

Investment Objective
Deliver an after tax return of inflation plus 1.25% p.a over rolling 10 year periods
Likelihood of negative annual returns Negligible in 20 years
Risk level Very low

 

Asset Allocation Ranges
Range %
Australian shares -
International shares -
Private equity -
Opportunistic growth -
Infrastructure -
Property -
Alternative debt (formerly credit) -
Fixed interest -
Cash 100

 

 

Historical returns % (crediting rate) to 30 June 2016
1 year 2.25%
3 years p.a 2.55%
5 years p.a 3.09%
Since inception p.a 3.45% (01/07/2009)

Conservative

Suitable for individuals who can accept lower returns on the basis that negative returns will be rare.

Conservative

 

Investment Objective
Deliver an after tax return of inflation plus 2.25% p.a over rolling 10 year periods
Likelihood of negative annual returns 1 in 20 years
Risk level Low to medium

 

Asset Allocation Ranges Range %
Australian shares 2.0 - 22.0
International shares 0.0 - 18.0
Private equity 0.0 - 5.0
Opportunistic growth 0.0 - 5.0
Infrastructure 0.0 - 10.0
Property 2.0 - 12.0
Alternative debt (formerly credit) 4.0 - 13.0
Fixed interest 10.0 - 70.0
Cash 0.0 - 50.0

 

Historical returns % (crediting rate) to 30 June 2016
1 year 5.91%
3 years p.a 7.18%
5 years p.a 7.46%
Since inception p.a 7.58% (01/07/2009)

Growth

Suitable for individuals who can accept some years when returns are negative but who expect that over the long term, returns will be above inflation.

Growth

 

Investment Objective
Deliver an after tax return of inflation plus 3.5% p.a over rolling 10 year periods
Likelihood of negative annual returns 3 in 20 years
Risk level Medium high

 

Asset Allocation Ranges Range %
Australian shares 14.0 - 44.0
International shares 4.0 - 34.0
Private equity 0 - 17.0
Opportunistic growth 0 - 17.0
Infrastructure 1.0 - 21.0
Property 3.0 - 23.0
Alternative debt (formerly credit) 1.0 - 16.0
Fixed interest 0.0 - 24.0
Cash 0.0 - 20.0

 

Historical returns % (crediting rate) to 30 June 2016
1 year 6.68%
3 years p.a 11.04%
5 years p.a 10.46%
Since inception p.a 10.27% (01/07/2009)

High Growth

Suitable for individuals seeking the highest returns over the long term and can accept more years of negative returns.

High Growth

 

Investment Objective
Deliver an after tax return of inflation plus 3.75% p.a over rolling 10 year periods
Likelihood of negative annual returns 5 in 20 years
Risk level High

 

Asset Allocation Ranges Range %
Australian shares 26.5 - 56.5
International shares 12.5 - 42.5
Private equity 0.0 - 20.0
Opportunistic growth 0.0 - 20.0
Infrastructure 0.0 - 14.0
Property 0.0 - 18.0
Alternative debt (formerly credit) 0.0 - 10.0
Fixed interest -
Cash -

 

 

Historical returns % (crediting rate) to 30 June 2016
1 year 5.39%
3 years p.a 12.17%
5 years p.a 11.17%
Since inception p.a 11.21% (01/07/2009)

Cbus Self Managed

Suitable for eligible members who are comfortable taking an active role in managing their retirement savings.

Cbus Self Managed

 

Investment Objective
Deliver an after tax return of inflation plus varies by member based on investment selection
Likelihood of negative annual returns varies by member based on investment selection
Risk level varies by member based on investment selection

Investments available

  • Australian shares
  • Exchange traded funds (ETFs)
  • Term deposits
  • Managed investments including property and infrastructure.

Refer to Cbus Self Managed for further information 

See Cbus Self Managed performance

Investment performance

Super income stream investment option performance to 28 February 2017*
  1 month (%) Since 30 June (%) 1 year (%) 3 years p.a (%) 5 years p.a (%) 7 years p.a (%)
Conservative Growth 0.70
5.94
10.89
7.84
n/a n/a
Cash Savings 0.15 1.30
2.06 2.36 2.71
3.29
Conservative 0.56
3.75
7.47
6.13
7.39
7.15
Growth 0.83
8.22
14.38
9.55
11.89 10.00
High Growth 1.12
10.42
17.92
10.28
13.36 10.49

*Past performance is not a reliable indicator of future performance. Investment performance is based on the crediting rates, which is the return minus investment costs and taxes, the Trustee Operating Cost and reserves. Excludes administration fees.

 

Current weekly crediting rates

FY15/16 performance and crediting rates (PDF)

Historical annual returns (PDF)

Cbus Self Managed performance

Crediting rates are the investment earnings for each investment option. Cbus calculates crediting rates and declares these on a weekly basis. Crediting rates go up and down during the year, reflecting movements in investment markets.

Learn about crediting rates (PDF)

Changing investment options

You have the flexibility to change your investment options

You can apply to change your investment option/s once per week. Your application to change your investment options must be received by close of business Tuesday (or midnight Tuesday for online applications).

The change is effective from the start of the following Thursday, but will not be seen in your account until the first business day of the following week.

Before changing options, it’s important to understand the potential impact on your retirement income. For more information, call the Cbus Advice Team on 1300 361 784.

How do I change my investment options?

At any time, you can change the investment options for your account.

Your application to change your investment options must be received by close of business Tuesday (or midnight Tuesday for online applications). The change is effective from the start of the following Thursday, but will not be seen in your account until the first business day of the following week.

Log in online

If you haven't logged in before, it's easy to register now.

Alternatively, complete the Income Stream Switching Form (PDF)

 

We’re here to help

Call our Cbus Advice Team on 1300 361 784

Press 4 to be connected

8am to 8pm Monday to Friday AEST/AEDT

Email: advice@cbussuper.com.au

Or use our online form to book a time for our Advice Team to call you.