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 34 years
As at 30 June 2018 for the Growth (Cbus MySuper) option. Past performance may not be repeated.
1 year return
As at 30 June 2018 for the Growth (Cbus MySuper) option. Past performance may not be repeated.
Average annual return^ over the last 5 years
As at 30 June 2018 for the Growth (Cbus MySuper) option. Past performance may not be repeated.
As at 30 June 2018

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.

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


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/AEDT

Email: advice@cbussuper.com.au

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

Read our Financial Services Guide (PDF)

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 3, 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

Check your super anywhere, anytime with Cbus mobile app


Check your super is being paid on time.

Account balance

Track your account balance and see your super grow.

Update your details

Keep your details up to date, including a change of address

Site tickets

Store your site tickets to make it easier to check in on site.


Add your RDOs to your phone calendar.


You'll always be one step ahead of the weather.

Get the Cbus app 

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Join Cbus

Together, let's build a better future

Join Cbus today Call us on 1300 361 784


Superannuation fees and charges

The information on this page was updated on 30 September 2017 and 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
  • any administration fees
  • any additional activities to your account.
Type of fee Amount How and when paid
Investment fee*

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 fee

Account keeping fee of $78 per year ($1.50 per week)


Trustee operating cost of 0.15%* per year of your account balance

Deducted from your account at the end of each month or when you close your account.


Deducted from the investment returns before the crediting rate is applied to your account.

Cbus claims a tax deduction for administration costs each year which is used to reduce the Trustee operating cost. The current estimate for 2017/18 is 0.21% (gross of tax).

Buy/sell spread Nil n/a
Switching fee Nil n/a
Exit fee  $35 Deducted from your account on making a partial or full benefit payment from your superannuation account or partially or full roll over to an external superannuation account. 
Advice fees Nil n/a
Indirect cost ratio Nil n/a

* Fees deducted from the crediting rate are estimates based on the actual costs from the 2016/17 financial year. They usually change from year to year and may be different for each investment option. Other fees and costs such as activity fees, insurance fees and tax may apply.

Other fees and costs

Type of fee Amount How and when paid
Insurance premiums


  • 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 

Note: for the costs of Income Protection Cover in Cbus Industry Super and Cbus Sole Trader Super refer to the relevant Insurance Guide and Insurance Handbook.

These charges are deducted from your account monthly.
Family law requests: These are fees charged for any family law requests for information and family law payment splits.

Requests for information: $100

Payment split: $80

Paid by cheque at the time of request.

Paid from the benefit amount to be split at the time of the payment split.

Dishonoured payments fee: Applied if a dishonoured personal contribution is received. $15 It is deducted from your account at the time of the dishonoured payment.
Contribution splitting fee: For couples who want to split their contributions. $55 It is deducted from your account at the time of the contribution split.
Super retirement drawdown fee (partial withdrawal) $20 Deducted from your account when a partial (lump sum) retirement drawdown is made and only applies when you've reached your preservation age and drawing down a retirement benefit. 
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.

See our fees factsheet (PDF) for more information.

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 weekly calculation of crediting rates and therefore reflected in the returns allocated to your account through changes in the crediting rates.

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.

Investment expenses may change from time to time because of changes in performance and/or other fees from year to year. The below table is an estimate for the past 2016/17 financial year.

Investment option Investment fees for 2016/17 How and when paid
High Growth 0.95% 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) 0.86%
Conservative Growth* 0.61%
Conservative 0.39%
Cash Savings 0.12%

* The Conservative Growth option commenced on 1 July 2017. This is an estimate for the 2016/17 financial year.

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 two 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
1300 361 784 (within Australia)
8am to 8pm Monday to Friday AEST/AEDT

Further reading

You can read more about fee definitions by clicking on the links below.