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Investment update July 2020
Get the latest share market news and investment options performance.
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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.
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.
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.
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.
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.
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) |
1 month (%) | Since 30 June (%) | 1 year (%) | 3 years p.a (%) | 5 years p.a (%) | 7 years p.a (%) | |
---|---|---|---|---|---|---|
Conservative Growth | 0.87 | 6.54 | 4.63 | 6.28 | n/a | n/a |
Cash Savings | 0.01 | 0.05 | 0.34 | 1.15 | n/a | n/a |
Conservative | 0.52 |
3.77 | 3.86 | 5.03 | n/a | n/a |
Growth | 1.24 | 9.41 | 5.15 | 7.39 | n/a | n/a |
High Growth | 1.35 | 13.09 | 6.88 | 8.60 | 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.
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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