Cbus Super Income Stream

Rest easy with a regular income stream

A superannuation income stream can provide a regular, flexible and tax-effective source of income during your final years of work and into retirement. You can set up a super income stream using funds from your existing super account.

With a Cbus Super Income Stream, you simply decide how much you want to receive as a regular payment and how often you’d like to receive payments. Your regular payments will be deposited directly into your nominated savings account.

You can tailor the amount and frequency of your payments so that your account balance keeps earning interest and growing, even while you withdraw from it. You can change the amount and frequency of payments at any time, as long as your new payment amount falls within government limits.

With Cbus, you’ll benefit from a history of strong long-term investment performance and access to retirement planning services.

Cbus Super Income Stream is for people who have:

  • reached their preservation age and intend to keep working and contributing to their super while they receive an income stream (this is known as transition to retirement or TTR), or
  • fully retired and would like to access their superannuation as a retirement income stream.

Your remaining account balance will attract investment earnings less fees, regular income payments, withdrawals and tax (if applicable).

You’ll continue to receive payments until the money in your account runs out. When you die, any remaining balance of your account will be paid to your beneficiaries as a cash payment or regular income.

Income streams can offer many benefits, including a regular, predictable income and tax advantages such as tax-free investment earnings and tax-free payments, depending on your age. 

See how we stack up

See what independent research house SuperRatings has to say about Cbus. 

The SuperRatings’ Fundamentals Report* includes an overall assessment on our:

  • Cbus’ investment performance
  • fees and charges
  • member servicing
  • administration
  • product flexibility
  • governance.

Cbus Super Income Stream - SuperRatings Fundamentals report (PDF)

*While Cbus has a commercial relationship with SuperRatings, Cbus has no influence over the research results and overall ratings and does not accept responsibility for any loss or damage caused by this report.

SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.

How do I join?

Whether you’re an existing Cbus member or new to us, you can join the Cbus Super Income Stream. 

To open an account, you’ll need to complete the application form in the Cbus Super Income Stream PDS (PDF), and you need to have:

  • a minimum of $10,000 to invest
  • reached your preservation age.

What's my preservation age?

If you were born: Your preservation age is:
Before 1 July 1960 55
1 July 1960 to 30 June 1961 56
1 July 1961 to 30 June 1962 57
1 July 1962 to 30 June 1963 58
1 July 1963 to 30 June 1964 59
1 July 1964 or after 60

Take advantage of tax benefits 

Generally no tax is payable when you transfer your money into a superannuation income stream and no tax is payable on any investment earnings in a super income stream account.

If you’re less than 60, your super income stream payments are taxed lower than other forms of investment. Some of your superannuation income stream may be tax-free and you’ll receive a 15 per cent tax offset on any taxable proportion. If you’re 60 or over, the super income stream payments you receive are tax-free. 

Further reading

You can read more about Cbus Super Income Stream by clicking on the links below.

Transition to retirement

You don’t need to wait until you’ve stopped working before you can start benefiting from your super.

With a transition to retirement (TTR) strategy you can access your super through a super income stream while you’re still working.

There are a number of ways you can use a TTR income stream:

  • work part-time and use the Cbus Super Income Stream to supplement your income
  • work full-time and use a Cbus Super Income Stream to provide some or all of your income. You could then salary sacrifice more of your wages into your super account, providing potential tax savings.

To be eligible, you need to be between preservation age and 65 years. Contribution caps may also apply. 

Further reading

You can read more about transition to retirement by clicking on the links to view relevant further reading.

Older couple sitting by a pond in a park

Retirement seminars

We offer a range of seminars for those nearing retirement or fully retired.

Find a seminar near you


Meet with a Certified Financial Planner

If you would like to arrange a meeting with a financial planner for more comprehensive personal financial advice, the Cbus Advice Team can refer you to an accredited Certified Financial Planner (CFP) who meets strict professional qualification and service criteria set by Cbus and the Financial Planning Association (FPA) of Australia.

The financial planner can offer you advice on a fee-for-service basis. Your first meeting is at no cost, and any fees for advice will be agreed with you in advance. You may be eligible to have the financial planner payment fees deducted directly from your Cbus account.

Contact the Cbus Advice Team to get started.


We’re here to help

Call our Cbus Advice Team 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 book a time for our Advice Team to call you.