Select an investment option to compare risk and return

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 rate, which is the return minus investment fees, the Trustee Operating Cost and taxes. Excludes account keeping administration fees.

There are differences between these options and the Fully Retired investment options.

 

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.

Conservative Growth (default)

 

Investment Objective
Deliver an after tax return of inflation plus 2.5% p.a over rolling 10 year periods
Likelihood of negative annual returns 2 in 20 years
Risk level Medium
SAA Growth vs Defensive Allocation
Growth 50.0%
Defensive
50.0%

Note: Growth assets include Australian shares, international shares, private equity, absolute return, 50% of infrastructure, 50% of property and 50% of alternative debt. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of alternative debt.

Asset Allocation Range %

Australian shares

1.0 - 31.0

Global shares

0.0 - 29.5

Emerging market shares 0.0 - 13.5

Private equity

0.0 - 10.0

Absolute return 0.0 - 13.5
Infrastructure 0.0 - 23.0

Property

0.0 - 25.0

Alternative debt

0.0 - 17.0

Fixed interest

0.0 - 56.0

Cash

0.0 - 41.5

 

Historical returns % (crediting rate) to 30 June 2019
1 year 6.82%
3 years p.a n.a
5 years p.a n.a
Since inception p.a 7.55% (1/7/2017)

Cash Savings

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

Cash Savings

 

Investment Objective
Deliver an after tax return of inflation plus 0.75% p.a over rolling 10 year periods
Likelihood of negative annual returns Negligible in 20 years
Risk level Very low
SAA Growth vs Defensive Allocation
Growth 0.0%
Defensive
100.0%

Note: Growth assets include Australian shares, international shares, private equity, absolute return, 50% of infrastructure, 50% of property and 50% of alternative debt. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of alternative debt.

Asset Allocation  Range %

Australian shares

-

Global shares

-

Emerging market shares -

Private equity

-

Absolute return -
Infrastructure -

Property

-

Alternative debt

-

Fixed interest

-

Cash

100.0

 

Historical returns % (crediting rate) to 30 June 2019
1 year 1.80%
3 years p.a n.a
5 years p.a n/a
Since inception p.a 1.70% (1/7/2017)

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 Defensive Allocation
Growth 30.0%
Defensive
70.0%

Note: Growth assets include Australian shares, international shares, private equity, absolute return, 50% of infrastructure, 50% of property and 50% of alternative debt. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of alternative debt.

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

Absolute return 0.0 - 10.0
Infrastructure 0.0 - 15.0

Property

0.0 - 17.0

Alternative debt

0.5 - 15.5

Fixed interest

10.0 - 70.0

Cash

0.0 - 50.0

Historical returns % (crediting rate) to 30 June 2019
1 year 6.27%
3 years p.a n.a
5 years p.a n.a
Since inception p.a 5.99% (1/7/2017)

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 3.25% p.a over rolling 10 year periods
Likelihood of negative annual returns 3 in 20 years
Risk level Medium high
SAA Growth vs Defensive Allocation
Growth 70.0%
Defensive
30.0%

Note: Growth assets include Australian shares, international shares, private equity, absolute return, 50% of infrastructure, 50% of property and 50% of alternative debt. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of alternative debt.

Asset Allocation Range %

Australian shares

7.5 - 37.5

Global shares

5.5 - 35.5

Emerging market shares 0.0 - 15.0

Private equity

0.0 - 12.0

Absolute return 0.0 - 15.0
Infrastructure 0.0 - 26.0

Property

0.0 - 28.0

Alternative debt

0.0 - 16.0

Fixed interest

0.0 - 27.0

Cash

1.0 - 18.0

Historical returns % (crediting rate) to 30 June 2019
1 year 7.34%
3 years p.a n.a
5 years p.a n.a
Since inception p.a 9.17% (1/7/2017)

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
SAA Growth vs Defensive Allocation
Growth 92.0%
Defensive
8.0%

Note: Growth assets include Australian shares, international shares, private equity, absolute return, 50% of infrastructure, 50% of property and 50% of alternative debt. Defensive assets include cash, fixed interest, 50% of property, 50% of infrastructure and 50% of alternative debt.

Asset Allocation Range %

Australian shares

19.5 - 49.5

Global shares

16.5 - 46.5

Emerging market shares 0.0 - 18.0

Private equity

0.0 - 13.0

Absolute return 0.0 - 17.0
Infrastructure 0.0 - 22.0

Property

0.0 - 24.0

Alternative debt

0.0 - 10.0

Fixed interest

0.0 - 10.0

Cash

0.0 - 10.0

 

Historical returns % (crediting rate) to 30 June 2019
1 year 7.19%
3 years p.a n.a
5 years p.a n.a
Since inception p.a 10.53% (1/7/2017)

Investment performance

Transition to retirement investment option performance to 30 September 2019*
  1 month (%) Since 30 June (%) 1 year (%) 3 years p.a (%) 5 years p.a (%) 7 years p.a (%)
Conservative Growth 0.76 1.92 7.50 n/a n/a n/a
Cash Savings 0.08 0.28 1.60 n/a n/a n/a
Conservative 0.27
1.66 7.15 n/a n/a n/a
Growth 1.22 2.09 7.72 n/a n/a n/a
High Growth 1.71 2.49 7.60 n/a n/a n/a

*The Transition to Retirement options commenced on 1 July 2017, so historical returns and performance information is not available. 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 and Trustee Operating Cost. Excludes account keeping administration fees.

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

Current daily crediting rates

FY18/19 performance and crediting rates (PDF)

Historical Annual Returns (PDF)

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 AEST/AEDT

Email: advice@cbussuper.com.au

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

Read our Financial Services Guide (PDF)