Investing in your future

At Cbus, we offer a range of diversified 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

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Product Disclosure Statement

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

Forms and publications

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.

Ask us to call you

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^

8.98%

over the last 36 years to 30 June 2020.

^Based on the crediting rate

Investment options

Compare risk and return by selecting an investment option below.

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.

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 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, global shares, emerging market 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	0.75%
5 years p.a.	7.13%
10 years p.a.	8.54%
Since inception p.a.	8.98% (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 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, global shares, emerging market 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. Please note the Cash savings option includes a 50% allocation with the Australia and New Zealand Banking Group Limited (ANZ).

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	0.73%
5 years p.a.	1.46%
10 years p.a.	2.24%
Since inception p.a.	2.33% (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	1.00% p.a. plus inflation 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, global shares, emerging market 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	2.50%
5 years p.a.	4.96%
10 years p.a.	5.91%
Since inception p.a.	5.94% (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	2.25% 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, global shares, emerging market 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	1.93%^
5 years p.a.	n/a
10 years p.a.	n/a
Since inception p.a.	5.43% (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, global shares, emerging market 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	0.63%
5 years p.a.	7.98%
10 years p.a.	9.44%
Since inception p.a.	7.30% (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.

Thinking about a Self Managed Super Fund?

A Self Managed Super Fund (SMSF) isn’t for everyone. Find out if an SMSF is right for you.

Get the facts on SMSFs

Investment performance

Super investment option performance to 31 March 2021*

	1 month (%)	Since 30 June (%)	1 year (%)	3 year p.a (%)	5 years p.a (%)	10 years p.a (%)
Growth (Cbus MySuper)	1.80	12.93	20.99	8.06	9.19	8.97
Cash Savings	0.00	0.06	0.12	0.97	1.19	1.93
Conservative	0.65	3.78	6.62	4.74	5.19	5.77
Conservative Growth^	1.25	8.21	13.81	6.45	n/a	n/a
High Growth	2.36	17.91	31.07	10.00	11.33	10.16

^*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.

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

Cbus has declared crediting rates daily since 4 October 2018. Prior to this rates were declared weekly.

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)

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.

Investment switches are processed on a daily basis. All switch requests must be received before 4.00pm (AEST/AEDT). The change will be effective from the start of the next national business day. You’ll see this reflected in your account two national business days later. If we receive your request after 4.00pm (or on a weekend or public holiday) it will take an extra national business day to process.