Cbus MySuper dashboard

The Cbus superannuation product dashboard is set out to help you better understand the fees, risks and performance for our default investment option, Growth (MySuper).


You can use the dashboard to compare the Growth (MySuper) investment option with MySuper products offered by other funds.

The Growth (Cbus MySuper) investment option was launched on 1 October 2013 and was previously named Growth (Choice). The performance history includes the period before the MySuper launch. Effective 14 February 2022, the Growth (Cbus MySuper) investment option has been renamed to Growth (MySuper). 

The information shown in the dashboard is based on a representative member with an assumed balance of $50,000. 

For more information on how to choose the right MySuper fund for you, go to the ASIC MoneySmart website.


Return Return target
10-year average return of 9.36% per year as at 30 June 2021

The return target for 2022-2032 is 3.50% per year above inflation, after fees and taxes.

Future returns cannot be guaranteed.

See the explanation below.


Level of investment risk
Statement of fees and other costs

Medium to high

Negative returns expected in 3 to 4 out of every 20 years 

$428 per year

Negative returns may occur more or less frequently than expected. The higher the expected return target, the more often you would expect a year of negative returns.  Fees and costs for a member with a $50,000 balance. Different account balances will have an effect on fees and costs.

For more information, please see the risk level page.

Dashboard explanation


The return on prior years is the time-weighted rate of return on investments for the Growth (MySuper) option, minus investment, weekly administration and percentage-based administration fees, costs and taxes for a representative member. The figure is shown as an annual percentage earned over 1 year and as a rolling 10-year average. 

This return calculation is different to the crediting rate used to allocate earnings to your account. The crediting rate is not reduced by the weekly administration fee, as this fee is deducted directly from your account. From 1 February 2020 the percentage-based administration fee will no longer be included in the crediting rate and will instead be deducted directly from your account. 

Below are the figures for our 1-year returns net of fees and taxes:

Year ending 1 year net return (%)
30 June 2021 18.94
30 June 2020 0.49
30 June 2019 6.83
30 June 2018 10.79
30 June 2017 11.69
30 June 2016  5.31
30 June 2015 9.89 
30 June 2014  13.74
30 June 2013  15.99
30 June 2012  1.44

Representative member 

This is a member with a $50,000 balance at the end of each financial year. 

Return target

The return target is the mean (average) estimate of return above the growth in the consumer price index (CPI). It is calculated as a 10-year annual average. 

As this figure is based on the mean, we expect to meet or exceed the 10-year rolling return target roughly 50% of the time. Statistically, this means that roughly 50% of all rolling 10-year periods may have a return that is below the return target over the very long term.

Obtaining a return that is equal to the return target is not guaranteed. The return target is an estimate. We do not guarantee this will be reached.

The method to calculate a return target is prescribed by MySuper legislation, and is intended as a way to compare different MySuper funds. It is not the Growth (MySuper) option’s investment objective.

Consumer Price Index (CPI)

CPI is a measure of inflation reported by the Australian Bureau of Statistics.

Statement of fees and other costs

This is the sum of the administration fee (which consists of the account keeping fee of $1.50 a week plus the percentage based administration fee of 0.19% per annum of your account balance) and the investment fee (of 0.51% which is deducted from the investment earnings) for a member with a $50,000 balance.  

General advice warning

This information is about Cbus. It doesn’t take into account your specific needs, so you should look at your own financial position, objectives and requirements before making any financial decisions.

To decide whether Cbus is right for you, read the relevant Target Market Determination and Cbus Product Disclosure Statement in forms and publications.

You can also request a copy by calling Cbus on 1300 361 784.

Past performance is not a reliable indicator of future performance