Crediting rates

Transition to retirement options - Crediting rates

We offer a range of investment options so you can make a choice that suits you and your goals. With a choice of six Pre-mixed and five DIY investment options, you can mix and match your investments to create a strategy that suits your needs.

Cbus’ Pre-mixed investment options are designed with the medium to longer-term in mind. They invest across a range of asset types to help reduce the impact of short-term falls in share markets or other asset classes.

You can read more about understanding market volatility and what this means for your super.

If you are considering switching investment options based on shorter term returns, further help is available through Cbus Advice Services on 1300 361 784.

Past performance is not a reliable indicator of future performance. Crediting rates are the return minus investment fees, the percentage-based administration fee and taxes. Excludes weekly administration fees. 

The inception date for Growth Plus, Indexed Diversified, Overseas Shares, Australian Shares, Property and the Diversified Fixed Interest investment option is 14 February 2022. 

The table below shows the financial year to date crediting rates for financial year 2025-2026

Please note: In order to accurately calculate our daily crediting rates, we need to factor in both Australian and overseas investment markets.  We will always endeavour to publish daily crediting rates for all our investment options on our website from 11.59pm (AEST/AEDT) the following business day however the calculation of daily crediting rates may be impacted by the timing of public holidays and weekends. There may also be occasions when the daily crediting rates are delayed or suspended. We do apologise for any issues this may cause. 

Learn more about our crediting rates.

For the Indexed Diversified investment option only - This investment option is invested into a range of investments called unit trusts as well as a small allocation to cash investments which form part of the investment option. The unit trusts release daily unit prices which determines most of the daily crediting rate and the investment return for this investment option.

At the end of March, June, September, and December each year, unit trusts can distribute income payments to the Fund. During these times, a unit price will not be released for a short number of days. This can cause the crediting rate for the Indexed Diversified investment option to show a crediting rate return of 0.00%. During these periods, there is still a very small investment return attributed to the allocation to the cash component of the investment option. This amount would be visible if the crediting rates was shown to four decimal places on our website.

Once the income payments have been calculated and processed, the unit prices are released, and the investment returns of the unit trusts (for the full period) are captured in the next daily crediting rate. The regular daily crediting rate updates will also resume on our website, until the next quarter end.