Why Cbus?

Built by workers, for workers

With a history of strong long-term performance, we’re the leading Industry Super Fund for the building, construction and allied industries.

We’re a long-standing superannuation fund that helps our members build a secure future. Year after year, our default investment option, Growth (Cbus MySuper) has performed better than the industry average.

Our wholly-owned property development company, Cbus Property, invests in property developments across Australia, creating jobs for the building, construction and allied industries.

Average annual return^ over the last 35 years
As at 30 June 2019 for the Growth (Cbus MySuper) option. Past performance may not be repeated.
1 year return
As at 30 June 2019 for the Growth (Cbus MySuper) option. Past performance may not be repeated.
Average annual return^ over the last 5 years
As at 30 June 2019 for the Growth (Cbus MySuper) option. Past performance may not be repeated.
As at 31 December 2019

Cbus benefits

1. Choose how you invest

Tailor your investment options with a risk level that suits you

2. Value for money

Maximise your super with strong, long-term performance, and competitive fees

3. Insurance for financial security

Our flexible insurance options will help keep you covered, for life and disability.

Compare my super growth

See the difference to your account balance of being with Cbus, instead of the average retail super fund, for the past 5, 10 and 15 years.

Compare Cbus

My investment options

Read more about how you can choose to invest your superannuation with Cbus to make the most of your super for retirement.

Investment options

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
  • insurance covers and costs
  • member servicing
  • administration
  • governance.

Cbus MySuper - SuperRatings Fundamentals report (PDF)

Cbus Industry Super - SuperRatings Fundamentals report (PDF)

Cbus Sole Trader Super - SuperRatings Fundamentals report (PDF)

Cbus Personal Super - 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. See the SuperRatings website for details of its ratings criteria.

We’ve got you covered

As a Cbus member you can access discounted health insurance with HCF, Australia's largest not-for-profit health fund.

With HCF health insurance you’ll enjoy:

  • flexibility to mix and match your hospital and extras cover to suit your needs
  • further 5% discount off the already reduced corporate premiums
  • 100% back on certain claims for dental, optical, physiotherapy, chiropractic and podiatry*
  • immediate claims on extras^ - two and six months waiting periods waived for new members
  • no additional waiting periods for equivalent levels of cover when switching to HCF (excludes hearing aids)
  • no excess for children on any plan
  • no excess for same day procedures on top hospital

HCF's experienced health cover advisers can help you choose the right level of cover for your needs. 

Call 1800 880 049 or visit the HCF website.

*Available at over 10,000 participating HCF providers on selected extras covers. Annual limits apply.

^Available when you take hospital and extras cover. Some longer waiting periods and conditions apply. Excludes all hospital services including the same day excess and ambulance cover.

This information has been provided by Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) and is of a general nature only. Before making a decision regarding HCF products and services, you should read the relevant disclosure documents and any other terms and conditions.  Applications for health cover is subject to HCF terms and conditions, Cbus does not have any authority or influence on the outcome of any application made. Cbus does not recommend, endorse or accept any responsibility for the products and services offered by HCF. The information is correct and accurate as at 6 December 2016.

Help wherever you need it

A Cbus Coordinator can visit your work place to provide information and general advice, at no extra cost.

Cbus Coordinators

Manage your super anywhere, anytime. Download the Cbus app to:

Check your account balance

Oversee your employer contributions

Filter through transaction history

Update your super account details

Consolidate your super into one account

Track progress of before and after-tax contributions

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Join Cbus

Together, let's build a better future


Superannuation fees and charges

The information in this section is a summary of the Fees and costs factsheet (PDF), which forms part of the following Product Disclosure Statements:

As a fund built to benefit members, Cbus works to keep all fees and costs as low as possible.

The fees and charges to your account will include:

  • your investment options
  • your individual insurance cover
  • your administration fees.
Type of fee Amount How and when paid
Investment fee1,2

The investment fee varies for each investment option.

See section below ‘What it costs to manage your investment option’.

For standard Cbus investment options, it is deducted from the investment returns before the crediting rate is applied to your account.

For the Cbus Self Managed investment option, it is deducted directly from your transaction account.

Administration fee2

Account keeping fee of $2.00 per week


0.19% of your account balance a year – up to a maximum of $1,000 a year3

Deducted from your account at the end of each month or when you close your account.
Buy/sell spread Nil n/a
Switching fee Nil n/a
Advice fees Nil n/a
Indirect cost ratio2 Nil n/a

1 Fees deducted from the crediting rate are estimates based on the actual fees from the 2018/19 financial year. The fees usually change from year to year and are different for each investment option. The actual fee will be determined at the end of the financial year and published in your 30 June statement.

2 If your account balance for a product is less than $6,000 at the end of the financial year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of your account balance. Any amount charged above this cap will be refunded to you.

3The percentage-based administration fee cap of $1,000 a year was introduced on 1 February 2020.

Other fees and costs

Type of fee Amount How and when paid

Insurance premiums:

Industry, Sole Trader and Personal Super


  • Death and TPD premiums per unit: $2.68 per week  
  • Death only premiums per unit: $1.33 per week


  • Death and TPD premiums per unit: $2.68 per week
  • Death only premiums per unit: $1.55 per week


  • Death and TPD premiums per unit: $2.68 per week
  • Death only premiums per unit: $1.55 per week

Electech (industry only)

  • Death and TPD premiums per unit: $2.62 per week
  • Death only premiums per unit: $1.13 per week 

For the costs of Income Protection cover for Cbus Sole Trader members see the Insurance guide (Sole Trader Super). For the costs of Income Protection cover for Non-manual and Professional members of Cbus Industry Super see the Income Protection guide.

These charges are deducted from your account monthly.

Insurance premiums:

Corporate Super

For the costs of Corporate Super insurance, see the Corporate Super insurance fact sheet for your employer enclosed with your welcome letter, or contact us for a copy. 

These charges are deducted from your account monthly.

Financial Planner Payment Up to a maximum of $7,000 per financial year as negotiated with your financial planner and authorised by the member and Cbus

Deducted from your account for personal financial advice service provided by a participating FPA Professional Practice in the Cbus & FPA Member Referral Program.* See eligibility criteria below.

* FPA - Financial Planning Association

Cbus may change the fees and costs or introduce new fees without your consent. You will be given at least 30 days' notice before any changes to fees or charges are applied to your super account.

What it costs to manage your Cbus investments

The costs to manage your Cbus investments, and how they impact your account, depend on the type of investment option you select.

For standard Cbus investments these vary for each option and are paid from the investment earnings before they’re added to your account.

When you invest in the Cbus Self Managed investment option, specific fees and charges apply.

Standard Cbus investment options

The costs are known as the ‘investment fee’. The investment fee includes fees paid to external and internal investment managers, custodians and asset consultants, transaction costs, property management related expenses and bank fees.

The investment fee is taken into account in the daily calculation of crediting rates and therefore reflected in the returns allocated to your account through changes in the crediting rates.

The percentage-based administration fee has been deducted directly from your account since 1 February 2020. Prior to this, it was deducted from investments earnings when calculating the daily crediting rate.

Read the Investment handbook (PDF) for more information about crediting rates and the allocation of returns to your account.

The amount of investment expenses paid annually for each investment option is estimated at 30 June and takes into account the expenses that have accrued and/or been paid over the year ending on 30 June.

These estimated investment fees are based on expenses for the previous year and are subject to change. The actual fee will be determined at the end of the financial year and published on your 30 June statement.

Investment option Investment fees for 2018/19 How and when paid
High Growth 0.76% It is deducted from the gross investment returns before Cbus declares its crediting rates, either at the end of the financial year or when you withdraw your money.
Growth (Cbus MySuper) 0.65%
Conservative Growth 0.47%
Conservative 0.30%
Cash Savings 0.07%

Financial Planner Payment Program

The Financial Planner Payment Program allows eligible Cbus members to have fees for personal financial advice deducted from their Cbus account.

The Financial Planner Payment is only payable for personal financial advice that relates to your Cbus account and the advice must be provided by a CERTIFIED FINANCIAL PLANNER (CFP®) who is part of the Cbus & FPA Member Referral Program.

For a Financial Planner Payment to be authorised, you’ll need a minimum of $10,000 in your Cbus Super or Super Income Stream account.

The following fee limits apply:

  • a maximum of four Financial Planner Payments per financial year
  • a maximum total of $7,000 for the provision of financial advice per financial year.

These limits include combined transaction fees from your Cbus Super and/or Super Income Stream account/s.

If you want to deduct a Financial Planner Payment from your Cbus account, your Certified Financial Planner can discuss your eligibility with you and arrange the required forms.


We’re here to help

Call Cbus Advice Services on 1300 361 784

Press 4 to be connected

8am to 8pm Monday to Friday (AEST)

Email: advice@cbussuper.com.au

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

Read our Financial Services Guide (PDF)