Investing in super can save you tax

Super is one of the most tax-effective ways of saving for retirement. Income from your direct investments, such as term deposits, shares or property, is generally counted as assessable income and taxed at your marginal tax rate.

This may be up to 45% plus the 2% Medicare levy. However, by investing in a super income stream you canbenefit from considerable tax advantages. 

More money for you


Once you reach age 60 you pay no tax on your Cbus Super Income Stream, whether you receive regular income payments or withdraw lump sum amounts. Plus, there’s no tax on your investment earnings if you’re in the Fully Retired option and if you’re in the Transition to Retirement option earnings are taxed at up to 15%.

You’ll enjoy extra cash to spend on holidays, grandkids and a quality lifestyle.

If you’re under 60 years of age, your income payments will be subject to tax plus the Medicare Levy, less a 15% rebate.

Income tax is deducted from payments in the same way a company pays tax on your salary before you receive payment. We’ll send you a PAYG certificate each year, together with information you need to complete your tax return.

The tax on income streams can be complex, so we recommend you call Cbus Advice Services before making any decisions.


We’re here to help

Call Cbus Advice Services on 1300 361 784

8.30am to 6pm Monday to Friday (AEDT/AEST)


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

Read our Financial Services Guide (PDF)