Compare risk and return by selecting an investment option below

 

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 rate, which is the return minus investment fees, taxes and until 31 January 2020, the percentage-based administration fee. Excludes fees and costs that are deducted directly from members' accounts. 

There are differences between these options and the Transition to Retirement investment options.

Investment options

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

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 2.75% p.a over rolling 10 year periods
Likelihood of negative annual returns 2 to 3 in 20 years
Risk level Medium

 

SAA Growth vs Defense Allocation
Growth 52.0%
Defense 48.0%

Note: Growth assets include Australian shares, global shares, emerging market shares, private equity, alternative growth, 50% of infrastructure, 50% of property and 50% of mid-risk alternatives. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of mid-risk alternatives.

 

Asset Allocation  Range %
Australian shares 1.0 - 31.0
Global shares 0.5 - 30.5
Emerging market shares 0.0 - 14.0
Private equity 0.0 - 10.0 
Alternative growth 0.0 - 12.5
Infrastructure 0.0 - 25.0
Property 0.0 - 25.0
Mid-risk alternatives 0.0 - 18.0
Fixed interest 0.0 - 47.0
Cash 0.0 - 47.0
Historical returns % (crediting rate) to 30 June 2020
1 year 2.59%
5 years p.a 7.20%
10 years p.a n/a
Since inception p.a 7.61% (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 above RBA Cash Rate Index over rolling 10 year periods
Likelihood of negative annual returns Negligible in 20 years
Risk level Very low

 

SAA Growth vs Defense Allocation
Growth 0.0%
Defense 100.0%

Note: Growth assets include Australian shares, global shares, emerging market shares, private equity, alternative growth, 50% of infrastructure, 50% of property and 50% of mid-risk alternatives. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of mid-risk alternatives.

 

Asset Allocation 
Range %
Australian shares -
Global shares -
Emerging market shares -
Private equity -
Alternative growth -
Infrastructure -
Property -
Mid-risk alternatives -
Fixed interest -
Cash 100.0

 

Historical returns % (crediting rate) to 30 June 2020
1 year 0.93%
5 years p.a 1.82%
10 years p.a 2.72%
Since inception p.a 2.81% (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 1.75% p.a over rolling 10 year periods
Likelihood of negative annual returns 1 in 20 years
Risk level Low to medium

 

SAA Growth vs Defense Allocation
Growth 31.0%
Defense 69.0%

Note: Growth assets include Australian shares, global shares, emerging market shares, private equity, alternative growth, 50% of infrastructure, 50% of property and 50% of mid-risk alternatives. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of mid-risk alternatives.

Asset Allocation Range %

Australian shares

0.0 - 18.0

Global shares

0.0 - 17.5

Emerging market shares 0.0 - 9.5

Private equity

0.0 - 7.5

Alternative growth 0.0 - 9.5
Infrastructure 0.0 - 17.0

Property

0.0 - 17.0

Mid-risk alternatives

1.5 - 16.5

Fixed interest

0.0 - 58.5

Cash

0.0 - 59.0

Historical returns % (crediting rate) to 30 June 2020
1 year 3.15%
5 years p.a 5.77%
10 years p.a 6.73%
Since inception p.a 6.90% (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 to 4 in 20 years
Risk level Medium high

 

SAA Growth vs Defense Allocation
Growth 72.5%
Defense 27.5%

Note: Growth assets include Australian shares, global shares, emerging market shares, private equity, alternative growth, 50% of infrastructure, 50% of property and 50% of mid-risk alternatives. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of mid-risk alternatives.

 

Asset Allocation  Range %
Australian shares 8.0 - 38.0
Global shares 7.0 - 37.0
Emerging market shares 0.0 - 16.0
Private equity 0.0 - 12.0 
Alternative growth 0.0 - 13.0 
Infrastructure 0.0 - 28.0
Property 0.0 - 28.0
Mid-risk alternatives 0.0 - 17.0
Fixed interest 0.0 - 23.0
Cash 0.0 - 18.0

 

Historical returns % (crediting rate) to 30 June 2020
1 year 1.15%
5 years p.a 8.16%
10 years p.a 9.59%
Since inception p.a 9.63% (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 to 6 in 20 years
Risk level High

 

SAA Growth vs Defense Allocation
Growth 92.0%
Defense 8.0%

Note: Growth assets include Australian shares, global shares, emerging market shares, private equity, alternative growth, 50% of infrastructure, 50% of property and 50% of mid-risk alternatives. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of mid-risk alternatives.

 

Asset Allocation  Range %
Australian shares 18.5 - 48.5
Global shares 17.0 - 48.0
Emerging market shares 0.0 - 18.5
Private equity 0.0 - 13.0
Alternative growth 0.0 - 17.0 
Infrastructure 0.0 - 23.0
Property 0.0 - 23.0
Mid-risk alternatives 0.0 - 10.0
Fixed interest 0.0 - 10.0
Cash 0.0 - 10.0

 

 

Historical returns % (crediting rate) to 30 June 2020
1 year 0.49%
5 years p.a 8.95%
10 years p.a 10.56%
Since inception p.a 10.72% (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 30 June 2020*
  1 month (%) Since 30 June (%) 1 year (%) 3 years p.a (%) 5 years p.a (%) 7 years p.a (%) 10 years p.a (%)
Conservative Growth 1.25 2.59 2.59 6.61 7.20 n/a n/a
Cash Savings 0.01 0.93 0.93
1.65
1.82 2.07
2.72
Conservative 0.77
3.15 3.15 5.58 5.77 6.35 6.73
Growth 1.78 1.15 1.15
7.11 8.16 9.60
9.59
High Growth 2.43 0.49 0.49 7.81 8.95 10.84
10.56

*Past performance is not a reliable indicator of future performance. Investment performance is based on the crediting rate, which is the return minus investment fees, taxes, and until 31 January 2020, the percentage-based administration fee. Excludes fees and costs that are deducted directly from members’ accounts. 

Cbus has declared crediting rates daily since 4 October 2018. Prior to this rates were declared weekly.

Current daily crediting rates

FY19/20 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 daily basis. Crediting rates go up and down during the year, reflecting movements in investment markets.

Learn about crediting rates (PDF)

 

We’re here to help

Call Cbus Advice Services on 1300 361 784

Press 4 to be connected

8am to 8pm Monday to Friday (AEDT/AEST)

Email: advice@cbussuper.com.au

Or use our online form to request a call from Advice Services.

Read our Financial Services Guide (PDF)