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At Cbus we’re here to support our members, delivering all benefits back to our members.

When choosing an income stream for your retirement, it's important to compare all the fees and costs, as they’ll impact on how long your money will last.

Fees and costs

Type of fee Amount How and when paid
Entry/joining fee nil n/a
Investment fee1,2

Transition to Retirement option 

Cash Savings – 0.07%

Conservative – 0.30%

Conservative Growth (default) – 0.46%

Growth – 0.67%

High Growth – 0.76%

Fully Retired option

Cash Savings – 0.07%

Conservative – 0.30%

Conservative Growth (default) – 0.44%

Growth – 0.67%

High Growth – 0.76%

Deducted from your investment returns before the crediting rate is applied to your account.

See below for information on the costs that make up the investment fee.

Administration fee2

Account keeping fee of:

$2 per week


0.08% per year of your account balance (capped at $640 per year)


Trustee operating cost of 0.11%1 per year ($1.10 for each $1,000) 

Deducted from your account at the end of each month or when you close your account.

Deducted from the investment returns before the crediting rate is applied to your account.

Buy-sell spread Nil n/a 
Advice fees Nil n/a
Financial Planner Payment Up to $7,000 per financial year, as negotiated with your financial planner and authorised by the member and Cbus

Deducted from your account for personal financial advice service provided by a participating FPA Professional Practice in the Cbus & FPA Member Referral Program.* See eligibility criteria.

*FPA - Financial Planning Association

Indirect cost ratio2
nil n/a
Switching fee nil n/a

Family law requests

Fees charged for any family law requests for information and family law payment splits

Request for information: $100

Payment split: $80

Paid by cheque at the time of request.

Paid from the benefit amount to be split at the time of the payment split. 

1  Fees deducted from the crediting rate are estimates based on expenses for the previous year and are subject to change. They usually change from year to year and may be different for each investment option. The actual fee will be determined at the end of the financial year and published in your 30 June statement. Other fees and costs such as activity fees, insurance fees and tax may apply.

2 If your account balance for a product is less than $6,000 at the end of the financial year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of your account balance. Any amount charged above this cap will be refunded to you.

Investment fees

The costs to manage your Cbus investments and how they impact your account depend on the type of investment option you select.

For standard Cbus investments, these vary for each option and are paid from the investment earnings before they are added to your account. There are specific fees and charges that apply when you invest in the Cbus Self Managed investment option.

The costs to manage your Cbus investments are known as the ‘investment fee’. The investment fee includes fees paid to external and internal investment managers, custodians and asset consultants, transaction costs, property management related expenses and bank fees.

The investment fee is taken into account in the daily calculation of crediting rates and therefore reflected in the returns allocated to your account through changes to the crediting rate. 

Daily crediting rates do not include the weekly administration fee you pay Cbus to manage your account. The administration fee is deducted from your account monthly. 

Investment fees may change from time to time because of changes in performance and/or other fees from year to year.

Cbus Self Managed fees and costs

See the Cbus Self Managed investment guide (PDF) for details of fees and costs. 

Further reading

You can read more about super income stream fees and costs by clicking on the link below.

Cbus super income stream


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)