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 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 2.25% p.a over rolling 10 year periods
Likelihood of negative annual returns 2 to 3 in 20 years
Risk level Medium
SAA Growth vs Defensive Allocation
Growth 52.0%
Defensive
48.0%

Note: Growth assets include Australian shares, international 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 - 29.5

Global shares

2.0 - 32.0

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 2.02%
3 years p.a 5.67%
5 years p.a n/a
Since inception p.a 5.67% (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 equal to 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 Defensive Allocation
Growth 0.0%
Defensive
100.0%

Note: Growth assets include Australian shares, international 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 0.78%
3 years p.a 1.39%
5 years p.a n/a
Since inception p.a 1.39% (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 1.25% p.a over rolling 10 year periods
Likelihood of negative annual returns 1 to 2 in 20 years
Risk level Low to medium
SAA Growth vs Defensive Allocation
Growth 31.0%
Defensive
69.0%

Note: Growth assets include Australian shares, international 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 - 17.0

Global shares

0.0 - 18.5

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

0.5 - 16.5

Fixed interest

0.0 - 58.5

Cash

0.0 - 59.0

Historical returns % (crediting rate) to 30 June 2020
1 year 2.55%
3 years p.a 4.83%
5 years p.a n/a
Since inception p.a 4.83% (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 to 4 in 20 years
Risk level Medium high
SAA Growth vs Defensive Allocation
Growth 72.5%
Defensive
27.5%

Note: Growth assets include Australian shares, international 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

5.5 - 35.5

Global shares

9.0 - 39.0

Emerging market shares 0.0 - 16.5

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

1.0 - 18.0

Historical returns % (crediting rate) to 30 June 2020
1 year 1.06%
3 years p.a 6.40%
5 years p.a n/a
Since inception p.a 6.40% (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 to 6 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, 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

15.0 - 45.0

Global shares

20.0 - 50.0

Emerging market shares 0.0 - 19.0

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 0.68%
3 years p.a 7.14%
5 years p.a n/a
Since inception p.a 7.14% (1/7/2017)

Investment performance

Transition to retirement investment option performance to 30 September 2020*
  1 month (%) Since 30 June (%) 1 year (%) 3 years p.a (%) 5 years p.a (%) 7 years p.a (%)
Conservative Growth -0.30 1.91 2.01 5.83 n/a n/a
Cash Savings 0.00 0.01 0.51 1.26 n/a n/a
Conservative 0.06
1.33 2.22 4.94 n/a n/a
Growth -0.59 2.66 1.63 6.66 n/a n/a
High Growth -1.32 3.52 1.69 7.56 n/a n/a

*The Transition to Retirement options commenced on 1 July 2017, so historical returns and performance information is not available. 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. Past performance is not a reliable indicator of future performance.

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)

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)

 

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Email: advice@cbussuper.com.au

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