Investing in your future

At Cbus, we offer a diverse range of super investment options to suit your goals, your time frame and your preferred level of risk.

Making an informed choice now can make a big difference to how much superannuation you’ll have in retirement. With the right planning, you’ll get your super working towards the retirement lifestyle you want.

Investment Handbook

Find out everything you need to know about our superannuation investment choices.

Cbus Investment Handbook

Product Disclosure Statement

To read the Cbus product disclosure statements go to Forms and Publications.

Forms and publications

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Calculators

Use our handy calculators to help you make the most of your super.

Go to calculators

Need advice?

We’re here to help you get your super working. Call us on 1300 361 784.

About our advice team

When you join Cbus, if you don't choose an investment option, your super will be invested in the Growth (Cbus MySuper) option.

Cbus MySuper dashboard

Use the dashboard to better understand the fees, risks and performance of our default investment option.

View the dashboard

Compare our default option

Compare the Growth (Cbus MySuper) option to the average fund.

View the comparison

Growth (Cbus MySuper) average annual return^

9.29%

over the last 34 years to 30 June 2018.

^Based on the crediting rate

Investment options

You can compare risk and return by selecting an investment option below.

For all investment option objectives: Cbus expects all investment options to achieve their targeted after-tax returns 75 per cent of the time.

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, the Trustee Operating Cost and taxes. Excludes account keeping administration fees

Growth (Cbus MySuper)

Our default investment option is designed to suit most individuals. Suitable for those 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 in 20 years
Risk level	Medium high

LTSAA Growth vs Defensive Allocation
Growth	70.0%
Defensive	30.0%

Target Portfolio Growth vs Defensive Allocation
Growth	71.0%
Defensive	29.0%

Note: Growth assets include Australian Shares, International Shares, Private Equity, Opportunistic Growth, 50% of Infrastructure, 50% of Property and 50% of Alternative Debt. Defensive assets include Cash, Fixed Interest, 50% of Property, 50% of Infrastructure and 50% of Alternative Debt.

Asset Allocation Ranges	Range %
Australian shares	11.5 - 41.5
International shares	6.5 - 36.5
Private equity Opportunistic growth	0.0 - 17.0
Infrastructure	0.0 - 21.0
Property	3.0 - 23.0
Alternative debt (formerly credit)	0.0 - 16.0
Fixed interest	0.0 - 24.0
Cash	1.0 - 20.0

Historical returns % (crediting rate) to 30 June 2018
1 year	10.95%
5 years p.a	10.41%
10 years p.a	7.23%
Since inception p.a	9.29% (01/07/1984)

Cash Savings

Suitable for individuals who want to avoid negative returns, understanding that returns are expected to be less than other Cbus super investment options over the long term.

Investment objective
Deliver an after tax return of inflation plus	0.75% p.a over rolling 10 year periods
Likelihood of negative annual returns	Negligible in 20 years
Risk level	Very low

LTSAA Growth vs Defensive Allocation
Growth	0.0%
Defensive	100.0%

Target Portfolio Growth vs Defensive Allocation
Growth	0.0%
Defensive	100.0%

Note: Growth assets include Australian Shares, International Shares, Private Equity, Opportunistic Growth, 50% of Infrastructure, 50% of Property and 50% of Alternative Debt. Defensive assets include Cash, Fixed Interest, 50% of Property, 50% of Infrastructure and 50% of Alternative Debt.

Asset Allocation Ranges	Range %
Australian shares	-
International shares	-
Private equity	-
Opportunistic growth	-
Infrastructure	-
Property	-
Alternative debt (formerly credit)	-
Fixed interest	-
Cash	100

Historical returns % (crediting rate) to 30 June 2018
1 year	1.51%
5 years p.a	1.85%
10 years p.a	n.a
Since inception p.a	2.57% (01/04/2009)

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	1.75% p.a over rolling 10 year periods
Likelihood of negative annual returns	1 in 20 years
Risk level	Low to medium

LTSAA Growth vs Defensive Allocation
Growth	30.0%
Defensive	70.0%

Target Portfolio Growth vs Defensive Allocation
Growth	30.5%
Defensive	69.5%

Note: Growth assets include Australian Shares, International Shares, Private Equity, Opportunistic Growth, 50% of Infrastructure, 50% of Property and 50% of Alternative Debt. Defensive assets include Cash, Fixed Interest, 50% of Property, 50% of Infrastructure and 50% of Alternative Debt.

Asset Allocation Ranges	Range %
Australian shares	1.0 - 21.0
International shares	0.0 - 19.0
Private equity Opportunistic growth	0.0 - 5.0
Infrastructure	0.0 - 10.0
Property	2.0 - 12.0
Alternative debt (formerly credit)	0.0 - 13.0
Fixed interest	10.0 - 70.0
Cash	0.0 - 50.0

Historical returns % (crediting rate) to 30 June 2018
1 year	5.60%
5 years p.a	6.01%
10 years p.a	5.59%
Since inception p.a	6.11% (01/10/1999)

Conservative 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	2.5% p.a over rolling 10 year periods
Likelihood of negative annual returns	2 in 20 years
Risk level	Medium

LTSAA Growth vs Defensive Allocation
Growth	50.0%
Defensive	50.0%

Target Portfolio Growth vs Defensive Allocation
Growth	50.7%
Defensive	49.3%

Note: Growth assets include Australian Shares, International Shares, Private Equity, Opportunistic Growth, 50% of Infrastructure, 50% of Property and 50% of Alternative Debt. Defensive assets include Cash, Fixed Interest, 50% of Property, 50% of Infrastructure and 50% of Alternative Debt.

Asset Allocation Ranges	Range %
Australian shares	4.0-34.0
International shares	0.0-30.0
Private Equity Opportunistic Growth	0.0-11.5
Infrastructure	0.0-18.0
Property	0.0-20.0
Alternative Debt	0.0-17.5
Fixed Interest	0.0-56.0
Cash	0.0-41.5

Historical returns % (crediting rate) to 30 June 2018
1 year	7.74%^
5 years p.a	n/a
10 years p.a	n/a
Since inception p.a	7.74% (6/7/2017)

^The 2017/16 return show is not annualised and calculated from inception at 6 July 2017 to 30 June 2018.

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 in 20 years
Risk level	High

LTSAA Growth vs Defensive Allocation
Growth	92.0%
Defensive	8.0%

Target Portfolio Growth vs Defensive Allocation
Growth	93.3%
Defensive	6.7%

Note: Growth assets include Australian Shares, International Shares, Private Equity, Opportunistic Growth, 50% of Infrastructure, 50% of Property and 50% of Alternative Debt. Defensive assets include Cash, Fixed Interest, 50% of Property, 50% of Infrastructure and 50% of Alternative Debt.

Asset Allocation Ranges	Range %
Australian shares	23.5 - 53.5
International shares	15.5 - 45.5
Private equity Opportunistic growth	0.0 - 20.0
Infrastructure	0.0 - 14.0
Property	0.0 - 18.0
Alternative debt (formerly credit)	0.0 - 10.0
Fixed interest	-
Cash	-

Historical returns % (crediting rate) to 30 June 2018
1 year	13.59%
5 years p.a	12.10%
10 years p.a	8.00%
Since inception p.a	7.64% (01/01/1998)

Cbus Self Managed

Suitable for eligible members who are comfortable taking an active role in managing their super savings.

Investment objective
Deliver an after tax return of inflation plus	varies by member based on investment selection
Likelihood of negative annual returns	varies by member based on investment selection
Risk level	varies by member based on investment selection

Investments available

a range of Australian shares
Exchange traded funds (ETFs)
Term deposits
Managed investments including property and infrastructure.

Refer to Cbus Self Managed for further information

See Cbus Self Managed performance

Cbus also offers a range of super income stream options for members who are nearing retirement, or fully retired.

Read about super income stream investment options.

Investment performance

Super investment option performance to 30 June 2018*

	1 month (%)	Since 30 June (%)	1 year (%)	3 year p.a (%)	5 years p.a (%)	10 years p.a (%)
Growth (Cbus MySuper)	1.54	10.95	10.95	9.39	10.41	7.23
Cash Savings	0.12	1.51	1.51	1.61	1.85	n/a
Conservative	0.76	5.60	5.60	5.38	6.01	5.59
Conservative Growth^	1.12	7.74	7.74	n/a	n/a	n/a
High Growth	1.75	13.59	13.59	10.85	12.10	8.00

Print the monthly investment performance figures (PDF)

^*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, the Trustee Operating Cost and taxes. Excludes account keeping administration fees.

^The Conservative Growth accumulation option commenced on 11 July 2017.

Current weekly crediting rates

FY17/18 performance and crediting rates (PDF)

Historical annual returns (PDF)

Cbus Self Managed performance

Crediting rates are the investment earnings for each investment option. Cbus calculates crediting rates and declares these on a weekly basis. Crediting rates go up and down during the year, reflecting movements in investment markets.

Learn about crediting rates (PDF)

Changing investment options

If you’re considering changing how your super is invested, it’s important to think long term.

In times of higher share market volatility, it may be tempting to invest your super in lower risk options to try to minimise losses over the short term. However, reacting to short-term changes may reduce your super balance over the long term.

So while monitoring your investment performance is important, frequent switching between options may not benefit you in the long run.

Read about changing options in response to short-term share market movements or watch our video to understand more about share market volatility and how Cbus invests.

Before you change how you invest your super, it’s important to understand the range of investment options available, your investment time frame and the impact of changing investment options.

We’re here to help you work through your options and answer your questions about investments.

Call Cbus Advice Services on 1300 361 784.

How do I change my investment options?

At any time, you can change the investment option for your super contributions. Changes for future contributions occur as soon as they are received.

You can change the investment options for your account in two ways. One is to change which options your whole account is invested in, another is to change how you direct your contributions.

Your application to change your investment options must be received by close of business Tuesday (or midnight Tuesday for online applications). The change is effective from the start of the following Thursday, but will not be seen in your account until the first business day of the following week.

Log in to your online account to change your investment options.

If you haven't logged in before, it's easy to register now.

Alternatively, complete the Investment choice form (PDF)

Or call us on 1300 361 784 and we’ll post you a form.