Cbus Self Managed is a Cbus Super investment option that lets you take a more active role in managing your super investments. It allows you to directly invest all or part of your retirement savings in a wider range of assets than the standard Cbus Super investment options.
These include Australian Shares on the ASX 300, exchange-traded funds (ETFs), term deposits, and exclusive managed investments in property and infrastructure. Cbus Self Managed is more aligned to a Self Managed Super Fund, but we take care of the complex account keeping and taxation reporting, saving you time and expense.
The savings that you choose to invest in Cbus Self Managed will be placed in a transaction account (earning interest at a current rate of 5.25% p.a. as of 6 November 2024). From there you can then build a diversified portfolio from the following investment options:
Australian shares
Direct investment into the largest 300 Australian shares (on the ASX:300)
Exchange traded funds
A range of exchange traded funds (ETF’s) that cover Australian and international equities
ETFs are professionally-managed investment pools that are listed on the Australian Securities Exchange (ASX).
Cbus Self-Managed offers a wide selection of ETFs across various asset classes, including: Cash/Fixed Interest, Commodity, Regional Equities, Global Equities, Australian Equities and many more.
| Name | Index | Type |
|---|---|---|
| BetaShares Gold Bullion ETF* – Currency Hedged* | Gold | Commodity |
| iShares Core S&P/ASX 200 ETF# | S&P/ASX 200 | Australian Equities |
| iShares S&P/ASX 20 ETF# | S&P/ASX 20 | Australian Equities |
| iShares S&P/ASX Small Ordinaries ETF* | S&P/ASX Small Ordinaries | Australian Equities |
| iShares Asia 50 ETF* | S&P Asia 50 | Regional Equities |
| iShares Europe ETF# | S&P Europe 350 Index | Regional Equities |
| iShares S&P 500 ETF# | S&P 500 | Regional Equities |
| iShares MSCI Emerging Markets ETF* | MSCI Emerging Markets | Regional Equities |
| iShares MSCI Japan ETF* | MSCI Japan | Regional Equities |
| SPDR S&P/ASX Australian Government Bond Fund# | S&P/ASX Government Bond | Fixed Interest |
| SPDR S&P/ASX Australian Bond Fund# | S&P/ASX Australian Fixed Interest | Fixed Interest |
| SPDR S&P World ex Australia Carbon Control Fund# | S&P Developed ex Australia LargeMidCap AUD | Global Equities |
| SPDR S&P World ex Australia Carbon Control (Hedged) Fund# | S&P Developed ex Australia LargeMidCap Hedged AUD | Global Equities |
| Vanguard Australian Shares Index ETF# | S&P/ASX 300 | Australian Equities |
| Vanguard MSCI Australian Small Companies Index ETF* | MSCI Australian Shares Small Cap Index | Australian Equities |
| Vanguard Australian Fixed Interest Index ETF# | UBS Composite Bond | Fixed Interest |
| Vanguard Australian Government Bond Index ETF# | UBS Government Bond Index | Fixed Interest |
| Vanguard Australian Property Securities Index ETF# | S&P/ASX 300 A-REITs | Australian Equities - Property |
| Vanguard Australian Shares High Yield ETF# | FTSE ASFA Australian High Dividend Yield Index | Australian Equities |
| BetaShares Australian High Interest Cash ETF# | 30 Day Bank Bill Swap Rate | Cash/Fixed Interest |
| iShares S&P Global 100 ETF# | S&P Global 100 Index | Global Equities |
| iShares MSCI EAFE ETF* | S&P EAFE Index | Regional Equities |
| iShares China 25 Large-Cap ETF* | FTSE China 50 Index | Regional Equities |
| iShares Treasury ETF# | Bloomberg AusBond Treasury Index | Fixed Interest |
| iShares UBS Composite Bond ETF# | Bloomberg AusBond Composite Index | Fixed Interest |
| SPDR S&P/ASX Small Ordinaries ETF# | S&P/ASX Small Ordinaries Index | Australian Equities |
| SPDR MSCI Australia Select High Dividend Yield Fund# | MSCI Australia Select High Dividend Yield Index | Australian Equities |
| Vanguard All-World Ex US Shares Index ETF# | FTSE All-World ex US Index | Global Equities |
| Global X Physical Precious Metals Basket^ | Precious metals, LBMA Prices | Commodity |
| Russell Investments Australian Select Corporate Bond ETF# | DBIQ 0-4 year Investment Grade Australian Corporate Bond Index | Fixed Interest |
| Russell Investments Australian Semi-Government Bond ETF# | DBIQ 0-5 year Australian Semi-Government Bond Index | Fixed Interest |
^ 10% of total Cbus account balance may be held in this ETF
* 25% of total Cbus account balance may be held in this ETF
# 50% of total Cbus account balance may be held in this ETF
The information on this page is for information purposes and should not be relied upon to make investment decisions.
To learn more about the above ETFs you will need to access the individual ETF provider’s website where you will find more information on these products to help you make a decision that is right for you.
Term deposits
A range of term deposits with varying rates and periods
Earn guaranteed interest on your investment for a fixed term of your choosing (From 30 days to 365 days).
Current term deposit rates are listed below (as of 22 November 2024) for ME and NAB banks.
| Length of term | ME (%) | NAB (%) |
|---|---|---|
| 30 days | 4.00 | 1.95 |
| 60 days | 4.60 | 4.40 |
| 90 days | 5.00 | 4.95 |
| 180 days | 4.90 | 5.05 |
| 365 days | 4.90 | 5.10 |
The interest rates quoted for term deposits are annualised rates. The interest rate will apply for the term selected. The interest earned will be less than the annualised rate where the selected term is for a period of less than 12 months.
These interest rates are indicative only. The current term deposits available can be viewed by registered users of Cbus Self Managed via the online platform.
Managed investments
Managed investments that include property and infrastructure
With managed investments your money is pooled with other Cbus members, then managed by specialist investment managers at Cbus.
There are two types of managed investments available via Cbus Self Managed:
For a two-week period each quarter, you will be able to buy or sell units in managed investments. The current scheduled dates as at 16 January 2024 are shown below. These dates are subject to change.
| March 2024 | June 2024 | September 2024 | December 2024 | |
|---|---|---|---|---|
| Trading window opens | 5 April | 4 July |
4 October | 7 January 2025 |
| Trading window closes |
19 April |
18 July | 18 October | 21 January 2025 |
| Trade settlement date |
24 April |
23 July | 23 October |
24 January 2025 |
Make informed investment choices by accessing a wealth of educational resources and market insights directly within the Cbus Self Managed platform:
^ Investment returns can go up and down. Past performance is not a reliable indicator of future performance.
Understand some of the key differences between Cbus Self Managed and an independent Self Managed Super Fund:
| Cbus Self Managed | Self Managed Super Fund | |
|---|---|---|
| Administration | All legal and admin requirements are managed by Cbus Super. | Complex legal and administrative requirements can take a lot of time and effort. |
| Time | Less time consuming given that tax, auditing, and administration is managed by Cbus Super. | SMSF trustees spend on average more than eight hours a month managing an SMSF. That’s more than 100 hours a year. |
| Costs | May be cheaper than an external SMSF as tax, auditing and administration is managed by Cbus Super. |
Can be high. Consider the following costs:
|
| Fraud protection | Full access to special compensation schemes and AFCA. | No access to compensation schemes or Australian Financial Complaints Authority (AFCA). |
You might consider Cbus Self Managed if you:
Note: Cbus Self Managed is not available for income stream accounts if you have selected the Transition to Retirement option.
Step 1
To check your eligibility and for more information on how to get started read the Cbus Self Managed investment guide (PDF).
Step 2
Log in to your online account and select the Cbus Self Managed tab at the top of the page.
Useful fact sheets and guides to help with your Cbus Self Managed investment options.
