Investment options

With Cbus you have a choice of six different investment options. You can choose any one or a mix of all six. 

Investment options
Investment option Description Investment Objective
High Growth

A long-term, high growth option for those members able to take a longer-term view of their super savings and who are willing to accept higher risk and more volatile returns.

To deliver an after tax return of at least inflation plus 4.0% p.a. over 12 year rolling periods. Over the longer term this objective is expected to be achieved 75% of the time.
To limit the likelihood of crediting negative annual returns to one in every 5 years.
To achieve an above average return
against comparable funds as measured
over 5 year periods.

Core Strategy

A well diversified option, for members who would like the value of their investment to stay well ahead of inflation and produce medium-to-high growth over the long-term with medium-to-high risk.

 To deliver an after tax return of at least inflation plus 3.5% p.a. over rolling 5 year periods. Over the longer term this objective is expected to be achieved 75% of the time.
To limit the likelihood of crediting negative annual returns to one in every 8 years.
To achieve an above average return against comparable funds as measured over 5 year periods.
Moderate Growth

A balanced option for members who are seeking consistent and moderate returns over the medium-to-long term and willing to accept a moderate level of risk to achieve this. 

 To deliver an after tax return that is at least inflation plus 3.0% p.a. over rolling 5 year periods. Over the longer term this objective is expected to be achieved 75% of the time.
To limit the likelihood of crediting negative annual returns to one in every 10 years.
To achieve an above average return against comparable funds as measured over 5 year periods.
Conservative

For members who are prepared to sacrifice high returns over the long-term in exchange for low risk in the short-term.

 To deliver an after tax return of at least inflation plus 2.0% p.a. over rolling 5 year periods. Over the longer term this objective is expected to be achieved 75% of the time.
To limit the likelihood of crediting negative annual returns to one in every 30 years.
To achieve an above average return against comparable funds as measured over 5 year periods.
Cash

For members who want a cash-like return (net of fees and tax).

 To deliver an after tax return of at least inflation plus 1.0% p.a. over rolling 5 year periods. Over the longer term this objective is expected to be achieved 75% of the time.
To limit the likelihood of crediting negative annual returns to one in every 50 years.
To track returns from the UBS 90 Day Bank Bill Index after tax.
Capital Guaranteed

For members who would like a capital guaranteed option with maximum protection but limited growth opportunities.

 To deliver an after tax return of at least inflation plus 1.0% p.a. over rolling 5 year periods. Over the longer term this objective is expected to be achieved 75% of the time.
To limit the likelihood of crediting negative annual returns to one in every 50 years.
To track returns from the UBS 90 Day Bank Bill Index after tax.

 

 

Investments