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Investment handbook (Australian National University)

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Investment handbook
1 April 2021
The information in this document forms
part of the following Product Disclosure
Statements:
■
Cbus Industry Super Product Disclosure
Statement issued 31 October 2020
■
Cbus Sole Trader Super Product Disclosure
Statement issued 31 October 2020
■
Cbus Personal Super Product Disclosure
Statement issued 31 October 2020
■
Cbus Corporate Super Product Disclosure
Statement issued 31 October 2020
Includes: Investment choice form
1208.3 04-21 ISS12
Contents
1 Choosing your
investments 3
2 Setting a
retirement goal 4
3 Return and risk 7
4 Your investment
options with Cbus 10
5 How Cbus invests
your super 14
6 Keeping track of
your investment 16
7 Changing options 17
8 Make it happen 19
9 Your Cbus
account online 23
About this handbook
The information in this handbook is
about Cbus. The information is general
in nature and does not take into account


and requirements before making any

Cbus Product Disclosure Statement (PDS)
to decide whether Cbus is right for you.


change. Check cbussuper.com.au for
the most up to date information.
This Investment Handbook is about

for superannuation members.
Information about Cbus Super

Cbus Super
Income Stream Product Disclosure
Statement. Information about


Cbus Self Managed investment guide.
For a copy of these publications call
us on 1300 361 784 or download a
copy from cbussuper.com.au.
Investment performance
Past performance is not a reliable
indicator of future performance.
It has been used here as a general




Cbus’ Trustee is United Super Pty Ltd
ABN 46 006 261 623 AFSL 233792
Cbus ABN 75 493 363 262
Send all mail to:

Parramatta NSW 2124

document dated 31 October 2020.
Talk to us
It’s important to get advice before you
make any changes to how your super’s
invested. The decisions you make now
can have an impact on how much money
you’ll have later in life.
Call us to talk to Cbus Advice Services. We can help you with:
■
choosing your investments
■
general information about super and tax
■
completing your Investment choice form.
This service is oered as part of your membership. See page 6
for more details on advice you can get through Cbus.
1300 361 784 (option 4) 8am to 8pm (AEST/AEDT)

cbusenq@cbussuper.com.au
cbussuper.com.au
1

Cbus understands every
member is dierent, with their
own nancial goals for retirement.
This is why we oer you a range
of investment options.
You do not have to make a choice

option until you make a choice.



Standard investment options

■

■

■

■

■


This Investment handbook is about Cbus’ standard
investment options.
Cbus Self Managed






or anything inbetween.


to the Cbus Self Managed investment guide
cbussuper.com.au/cbusselfmanaged.
3
2
Setting a retirement goal
4
Working out how much you’ll
need to retire with is the rst step
towards reaching that goal.
How much income will you need when
you retire?


How your super is invested over the years can directly aect how
much money you’ll retire with.
Will you live ‘modestly’ or
‘comfortably’?
While your spending in retirement is likely to be less than you spend

The Association of Superannuation Funds of Australia (ASFA)



ASFA Retirement Standard
Budgets for dierent households and living standards
(December quarter 2020)
Modest lifestyle
Enjoy a modest lifestyle
once you retire. This could
mean covering your living
expenses, a small weekend
away, and more time with
family and friends.
Comfortable lifestyle
Enjoy a comfortable
lifestyle once you retire.
This could mean regular
holidays, dining out and
recreational activities.
Single Couple Single Couple
Age 65    
Age 85    



superannuation.asn.au/resources/retirement-standard.
Age Pension


humanservices.gov.au.
How do you work out how
much super you’ll need?
Step 2: Think about how life is likely to
look when you retire
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
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
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

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
such as:
 
 
 
Step 1: Look at your life right now
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
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
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
Step 3: Calculate how much super
you’ll need
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Use the Cbus Retirement income calculator to help


income in retirement.
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Use the Cbus Retirement spending planner to work
out how long you’ll be able to sustain your current

retirement.
cbussuper.com.au/calculators
5
How to reach your target

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
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
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
Contributions

contributions.



important to keep track of how much you contribute to all of your
super funds each year.
How super works fact sheet at cbussuper.com.au/superworks

Investment return









Need help with your super?
Talk to your Cbus Coordinator

answer your super questions. They also hold regular workplace
1300 361 784 for
the contact details of your local Cbus Coordinator.
Speak to an adviser over the phone


AEDT). For further information call 1300 361 784 (option 4).

Meet with a Certied Financial Planner


®
) who meets strict




1300 361 784 to book your

Value of investments ($,000)
$1,222,000
Inflation + 5% a year
$935,000
Inflation + 4% a year
$720,000
Inflation + 3% a year
$559,000
Inflation + 2% a year
$437,000
Inflation + 1% a year
Assumes $5,000 in contributions each year,
inflation estimated at 2.5% a year.
(Number of years)
1,300
1,200
1,100
1,000
900
800
700
600
500
400
300
200
100
0
0 5 10 20 25 30 35 40
Different investment returns
can affect your super.
Growth of super
2 Setting a retirement goal (continued)
Time until retirement



Growth of super
6
3

To build your wealth over the long term, you need to take some risk.
Your super has to grow above ination
The goal of super is to build enough money for your retirement.





personal circumstances.
Your super has to last



enough to support you throughout your retirement.


comfortable retirement. That’s where your super can step in to help

Use the Cbus Retirement spending planner at
cbussuper.com.au/calculators
to work out how long you’ll


There are two important
risks in super:

whole retirement.



■
Market risk

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Volatility risk
down) causing your account balance to rise or fall.
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Ination risk

longer buy as much as you once could.
■
Drawdown risk – the risk that your income stream payments are

■
Longevity risk 
■
Regulatory risk – the risk that regulations around income streams

7
Investment risk





the lower the likely long-term return.
Asset classes – your investment building blocks






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

of loss in the short term.
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


Diversication: don’t put all your eggs in one basket




another may be performing well.





tables on pages 12 to 13.

returns.

1300 361 784 (option 4).
3 
Investment options – risk
and return expectations
over the longer term
Our options have a range of
expected risks and returns.

infrastructure and property while the lower risk/return

Cash Savings
Conservative
Investment risk
Return
Growth
(Cbus MySuper)
High Growth
Conservative
Growth
Australian shares

Emerging market shares


Infrastructure
Property


Cash


the Cbus Self Managed investment guide
cbussuper.com.au/cbusselfmanaged.
Understanding risk




Understanding Investment Risk at cbussuper.com.au/forms
8
How Cbus options are expected to perform over the long term




Note:
Performance of Accumulation Investment Options
Growth of $10,000 over 20 years to June 2019 with no further contributions
*
Investment Value after Fees and Tax ($)
High Growth $40,831
^
(Inception January 1998)
Growth (Cbus MySuper) $42,579
^
(Inception July 1984)
Conservative $32,433
^
(Inception October 1999)
Conservative Growth $37,239
^
(Inception July 2017)
* Investment option performance
uses actual performance where
available. Indicative returns are
the dotted lines and are calculated
using market based returns.
Returns are from 30 June 1999
to 30 June 2019.
^ As at 30 June 2019.
Cash Savings $20,513
^
(Inception April 2009)
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
2001 2003 2005 2007 2009 2011 2013 2015 2017 2019
Range of expected account balances after ten years
10,000 15,000 20,000 25,000
High Growth
Growth (Cbus MySuper)
Conservative Growth
Conservative
Cash Savings
The higher the level of risk,
the higher the expected
return, and also the greater
the range of likely returns.
The black line shows the
expected (on average)
balance for each
investment option
after ten years.
The green bar shows the
expected range of
outcomes that are possible
over a ten year period.
Outcomes can, on
occasion, be outside
of these ranges.
Value of investment ($)
Based on a $10,000 initial contribution with no further contributions
Performance of Accumulation Investment Options
Growth of $10,000 over 20 years to June 2020 with no further contributions
*
Investment Value after Fees and Tax ($)
High Growth $35,729
^
(Inception January 1998)
Growth (Cbus MySuper) $38,560
^
(Inception July 1984)
Conservative $31,092
^
(Inception October 1999)
Conservative Growth $34,801
^
(Inception July 2017)
* Investment option performance
uses actual performance where
available. Indicative returns are
the dotted lines and are calculated
using market based returns.
Returns are from 30 June 2000
to 30 June 2020.
^ As at 30 June 2020.
Cash Savings $19,731
^
(Inception April 2009)
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
2000 2002 2004 2006 2008 2010 2012 2014 2016 2018 2020
Range of expected account balances after ten years
10,000
High Growth
Growth (Cbus MySuper)
Conservative Growth
Conservative
Cash Savings
The higher the level of risk,
the higher the expected
return, and also the greater
the range of likely returns.
The black line shows the
expected (on average)
balance for each
investment option after
ten years.
The green bar shows the
expected range of
outcomes that are possible
over a ten year period.
Outcomes can, on
occasion, be outside of
these ranges.
Value of investment ($)
Based on a $10,000 initial contribution with no further contributions
15,000 20,000 25,000
9
4

with Cbus


■

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
■

■

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
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




directly in a range of key asset classes.
The right choice for you will depend
on your own situation and goals.
Default option
Cash Savings Conservative
Conservative
Growth
Growth
(Cbus MySuper)
High Growth Cbus Self Managed
This option may suit
members who want

returns (expected
negative returns are
negligible).

less than other Cbus
options (aligned with
the RBA Cash Rate)


the long term.

only in cash.
This option may suit
members who can
accept lower returns
(ination + 1.00%)
on the basis that

will be rare (1 to 2
in every 20 years
are expected to be
negative).
This option is mostly


a small allocation
to shares and other
assets.
This option may suit
members who can
accept some years
when returns are
(2 to 3
in every 20 years
are expected to be
negative)



(ination + 2.25%).
This option is

of assets including

infrastructure and
cash.

option Cbus chooses
for members who
don’t make a choice.
It may suit members
who can accept some
years when returns
(3 to 4
in every 20 years
are expected to be
negative) but who



(ination + 3.25%).
This option is

of assets including

infrastructure and
cash.
This option may suit
members seeking
the highest returns

(ination + 3.75%)
and can accept more

returns (5 to 6 in
every 20 years are
expected to be
negative).
This option is

in shares.


depending on


directly in Australian


term deposits



in assets such
as property and
infrastructure.

Cbus investment options
10
11
4
Default option
Cash Savings Conservative Conservative Growth Growth (Cbus MySuper) High Growth
Risk/return
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
Risk level /(band)
1
Very low (1)    High (6)
Objectives Deliver a return aligned with the RBA Cash Rate

Deliver a return of ination plus:

Deliver a return of ination plus:

Deliver a return of ination plus:

Deliver a return of ination plus:

Likelihood of
Negative Annual
Returns
Negligible in 20 years  
 
Strategic Asset
Allocation (SAA)
2
and Range
From 1 Feb 2020
Assets are
maintained
within these
ranges

1 Feb 2020
Strategic Asset Allocation % Range %
Cash 100.0 na
Strategic Asset Allocation % Range %
Australian shares 7.0 0.0 – 17.0
 8.5 0.0 – 18.5
Emerging market shares 2.0 0.0 – 9.5
 0.0 0.0 – 7.5
 2.0 0.0 – 9.5
Infrastructure 7.0 0.0 – 17.0
Property 7.0 0.0 – 17.0
 9.0 0.5 – 16.5
 28.5 0.0 – 58.5
Cash 29.0 0.0 – 59.0
Strategic Asset Allocation % Range %
Australian shares 14.5 1.0 – 29.5
 17.0 2.0 – 32.0
Emerging market shares 4.0 0.0 – 14.0
 0.0 0.0 – 10.0
 2.5 0.0 – 12.5
Infrastructure 10.0 0.0 – 25.0
Property 10.0 0.0 – 25.0
 8.0 0.0 – 18.0
 17.0 0.0 – 47.0
Cash 17.0 0.0 – 47.0
Strategic Asset Allocation % Range %
Australian shares 20.5 5.5 – 35.5
 24.0 9.0 – 39.0
Emerging market shares 6.5 0.0 – 16.5
 2.0 0.0 – 12.0
 3.0 0.0 – 13.0
Infrastructure 13.0 0.0 – 28.0
Property 13.0 0.0 – 28.0
 7.0 0.0 – 17.0
 8.0 0.0 – 23.0
Cash 3.0 1.0 – 18.0
Strategic Asset Allocation % Range %
Australian shares 30.0 15.0 – 45.0
 35.0 20.0 – 50.0
Emerging market shares 9.0 0.0 – 19.0
 3.0 0.0 – 13.0
 7.0 0.0 – 17.0
Infrastructure 8.0 0.0 – 23.0
Property 8.0 0.0 – 23.0
 0.0
0.0 – 10.0
 0.0
Cash 0.0
Annual
investment
return
(crediting rate %)
At 30 June
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
4.16
3.86
2.74
2.29
2.10
1.85
1.50
1.51
1.73
0.73
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
6.37
5.16
8.88
8.02
5.95
4.86
5.72
5.60
6.22
2.50
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
7.74
6.72
1.93
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
13.90
10.05
5.47
11.85
10.95
6.99
8.70
1.60
0.75
16.15
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
9.44
-1.34
19.68
16.88
11.17
14.75
13.59
7.11
4.51
0.63
Average
return over
10 years (pa)
3
2.24%

5.91%


was introduced on 1 July 2017
8.54%

9.44%

Average
return since
inception (pa)
3
2.33%
(1/4/09)
5.94%
(1/10/99)
5.43%
8.98%
(1/7/84)
7.30%
(1/1/98)
Number of negative
annual returns
0 in 11 years 1 in 21 years 0 in 3 years
3 in 36 years 5 in 22 years
Minimum investment
timeframe
1 year 3 years 
 
Investment options in detail

cbussuper.com.au/fees
for more information about our fees.
1. Risk level: 
Risk band: 
cbussuper.com.au/risk.
cbussuper.com.au/investments.



12
Default option
Cash Savings Conservative Conservative Growth Growth (Cbus MySuper) High Growth
Risk/return
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
High Growth
Growth
Conservative Growth
Conservative
Cash Saving
LOW HIGH
Very High Growth
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
LOW HIGH
Risk level /(band)
1
Very low (1)    High (6)
Objectives Deliver a return aligned with the RBA Cash Rate

Deliver a return of ination plus:

Deliver a return of ination plus:

Deliver a return of ination plus:

Deliver a return of ination plus:

Likelihood of
Negative Annual
Returns
Negligible in 20 years  
 
Strategic Asset
Allocation (SAA)
2
and Range
From 1 Feb 2020
Assets are
maintained
within these
ranges

1 Feb 2020
Strategic Asset Allocation % Range %
Cash 100.0 na
Strategic Asset Allocation % Range %
Australian shares 7.0 0.0 – 17.0
 8.5 0.0 – 18.5
Emerging market shares 2.0 0.0 – 9.5
 0.0 0.0 – 7.5
 2.0 0.0 – 9.5
Infrastructure 7.0 0.0 – 17.0
Property 7.0 0.0 – 17.0
 9.0 0.5 – 16.5
 28.5 0.0 – 58.5
Cash 29.0 0.0 – 59.0
Strategic Asset Allocation % Range %
Australian shares 14.5 1.0 – 29.5
 17.0 2.0 – 32.0
Emerging market shares 4.0 0.0 – 14.0
 0.0 0.0 – 10.0
 2.5 0.0 – 12.5
Infrastructure 10.0 0.0 – 25.0
Property 10.0 0.0 – 25.0
 8.0 0.0 – 18.0
 17.0 0.0 – 47.0
Cash 17.0 0.0 – 47.0
Strategic Asset Allocation % Range %
Australian shares 20.5 5.5 – 35.5
 24.0 9.0 – 39.0
Emerging market shares 6.5 0.0 – 16.5
 2.0 0.0 – 12.0
 3.0 0.0 – 13.0
Infrastructure 13.0 0.0 – 28.0
Property 13.0 0.0 – 28.0
 7.0 0.0 – 17.0
 8.0 0.0 – 23.0
Cash 3.0 1.0 – 18.0
Strategic Asset Allocation % Range %
Australian shares 30.0 15.0 – 45.0
 35.0 20.0 – 50.0
Emerging market shares 9.0 0.0 – 19.0
 3.0 0.0 – 13.0
 7.0 0.0 – 17.0
Infrastructure 8.0 0.0 – 23.0
Property 8.0 0.0 – 23.0
 0.0
0.0 – 10.0
 0.0
Cash 0.0
Annual
investment
return
(crediting rate %)
At 30 June
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
4.16
3.86
2.74
2.29
2.10
1.85
1.50
1.51
1.73
0.73
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
6.37
5.16
8.88
8.02
5.95
4.86
5.72
5.60
6.22
2.50
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
7.74
6.72
1.93
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
13.90
10.05
5.47
11.85
10.95
6.99
8.70
1.60
0.75
16.15
10/11
11/12
12/13
13/14
14/15
15/16
16/17
17/18
18/19
19/20
-25
-20
-15
-10
-5
0
5
10
15
20
25
9.44
-1.34
19.68
16.88
11.17
14.75
13.59
7.11
4.51
0.63
Average
return over
10 years (pa)
3
2.24%

5.91%


was introduced on 1 July 2017
8.54%

9.44%

Average
return since
inception (pa)
3
2.33%
(1/4/09)
5.94%
(1/10/99)
5.43%
8.98%
(1/7/84)
7.30%
(1/1/98)
Number of negative
annual returns
0 in 11 years 1 in 21 years 0 in 3 years
3 in 36 years 5 in 22 years
Minimum investment
timeframe
1 year 3 years 
 
Investment option costs
For the 2020/21 nancial year

return before it is credited to member accounts.
These are calculated each year in arrears. The


to change. The actual fees will be determined

your 30 June statement.
High Growth: 

Growth (Cbus MySuper): 

Conservative Growth: 

Conservative: 

Cash Savings: 

Other fees and costs are deducted directly from
member accounts. For information on all fees
and costs refer to cbussuper.com.au/fees.
Strategic asset allocation
and ranges



and property.


are set within ranges for each asset class.
Investment warning

Past performance is not a reliable indicator
of future performance.
Visit cbussuper.com.au/investments to

publication.
13
5

Asset classes are the building
blocks of Cbus’ investment
options. How much we invest in
each asset class depends on each
option’s investment objective.

managed by Cbus fund managers. For more

cbussuper.com.au/investments.
Emerging market shares
Emerging markets represent the up and coming economies of

While the pricing of shares in emerging markets tend to be quite



Electronics and Alibaba.
Property


■


■
indirectly by buying units in a pooled property fund.

company Cbus Property.


rental growth.
Infrastructure



■

■
indirectly through buying units in a pooled fund.

in income.
What we invest in
Australian shares

part owner of that company and share with its other owners in its
future success. Shares are sometimes called equities or stocks






Global shares




Johnson & Johnson.


in the Australian dollar.
Private equity






before being sold.


14





team and rebalanced back towards target when they approach

opportunities and risks.
Investment consultants




ABN 21 074 287 406 (AFSL 241266).
Fund managers

Australian and international fund managers. Each fund manager is

assets. They are managed in accordance with a mandate agreed
between the manager and Cbus or through a Trust Deed. Cbus
regularly monitors the performance of each fund manager.
Cbus Property
Cbus Property Pty Ltd is a wholly-owned subsidiary of United Super




where many of our members work.


includes parameters around risk and return.
cbusproperty.com.au.
Responsible investment














where appropriate.

cbussuper.com.au/sustainability.
Our investment process
Investment objectives and asset allocation









annually.

at cbussuper.com.au/investments.
Alternative growth






shorter-term corporate action opportunities.




Fixed interest




Mid-risk alternatives




and public companies. Lending to corporations may include
infrastructure debt and property construction debt.



Cash


securities.
15
Why it’s important to track your
investment
There are two great reasons for keeping a close eye on how your
super is tracking:
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

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
need to check if performance is on track to meet that goal.


still right for you.
Staying up to date
cbussuper.com.au/login
Keep on top of your super’s progress the easy way – register online.

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see your account details 24/7
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
■
check your estimated account balance and much more.
To register online go to cbussuper.com.au/login
or call us on
1300 361 784 
Use the Cbus app to check your account balance and
recent transactions. Download it for free at
cbussuper.com.au/app.
Online investment information

at cbussuper.com.au/investments.
News and account updates from Cbus
Twice each year we send you information about your account and
Cbus News. Our Annual Report also includes

6

16
7
Changing options
Think long term when you’re looking
at your investments





section – Make it happen.
Thinking about changing how your
super is invested?






all the questions you need to answer before you

Call us on 1300 361 784 (option 4) to get the ball
rolling or see page 6 for more options for getting

17
Case study: thinking long term
– John and Rick










his balance dropped to $48,800.

balance had risen to $57,000.
Fast forward 23 years…



$894,870
$382,075.
A steady hand now may
benet you in retirement



at a lower price and locking in that loss.


higher price.





Before you change investment options




please call us on 1300 361 784.
7 Changing options (continued)
Although it looks like
Rick had made a good
choice in June 2009,
by retirement John may
have on average about
$512,795 more in his
super savings.
Rick John
Cbus Cash
Savings
Growth
(Cbus MySuper)
June 2008 – Starting with Cbus  
June 2009  
June 2020  
At retirement $382,075 $894,870



18
How to change investment options
8

You can choose to stay in the
Growth (Cbus MySuper) option or
to change options. The information
below explains how you can choose
other options.
Changing investment options


you are changing your entire balance.


Cbus Self Managed Investment Guide 
cbussuper.com.au/cbusselfmanaged
for more information.
Step 2: Submit your investment choice
instruction
Login to your online account at
cbussuper.com.au/login (if you’re not registered
you can go online or call 1300 361 784).
or
Fill in the Investment choice form at the back
of this handbook and post or email it to Cbus.

contributions can be made online at anytime.

electronic account balance switches will be made through
the online platform and future contribution switches can

Step 1: Work out how much you want to put
into your choice of options
Cbus oers you a range of investment choices



options in any combination you choose.
Examples

■
Put your total account balance and all future

■
Put your whole current account balance in one option and
either:

– put a proportion of future contributions to two or more

■
Put a proportion of your total account and future
contributions to your chosen options.
FAQs about changing investment options
Where can I nd the balance of my investment
option/s?

estimated account balance. Balances shown are an estimate only
and delayed by two business days.

or the How changing investment options impacts your balance
factsheet at
cbussuper.com.au/investments.
19
8
When do I need to send my request to have it made
as soon as possible?

or public holidays).



*

account two national business days later.



Changes to future contributions are processed as soon as they are

into at any time.


public holiday.
What happens next?


How much will it cost?



cbussuper.com.au/super
for more information on fees and costs.
Can I change lump sum contributions?



Just complete the Investment choice form and send it with your

For more information about directing large sums straight into the
1300 361 784.
How your account is valued when you
change investment options


app is not a real time balance.
Balances shown are delayed by two business days.


to calculating a crediting rate.


balance.
Please note:
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



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
earnings are calculated and allocated to you on the amount
of the claim.
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



Crediting Rates Factsheet on the Cbus website. The annual crediting
rates for each option are shown in Cbus News and the Annual Report.

cbussuper.com.au/investments.


We recommend you get an up-to-date account

options.
1300 361 784
cbussuper.com.au.
20
Investment choice form
This form is part of the Investment handbook dated 1 April 2021.
Please use black or blue pen and CAPITAL letters. Use an X in boxes where required.
Important
 Investment handbook thoroughly.
1300 361 784
cbussuper.com.au.

Step 1: Provide your personal details
Cbus member number
We need this to process your investment choice.
You can find this on your annual statement or membership card.





Other
D
D
/
/

Female

Family name

(
)
(
)
Address
Postal address

 
Suburb/town State Postcode

Step 2: How would you like to invest with Cbus?
I would like to: (Please select only one box)
Change my current account balancecomplete column A only
Change my future contributions – complete column B only
Change both my current account balance and my future contributions – complete columns A and B
one-off payment complete column C only
A B C
Note: Amounts must be entered in
whole percentages (the minimum you
can allocate is 1%).
Your new investment
option/s for your current
account balance
%
Your new investment
option/s for your future
contributions
%
One-off payment or rollover
Note: Only complete this column if you are


$

%
%
%

%
%
%

%
%
%

%
%
%

%
%
%
Total must add up to 100%
1
0
0
% 1
0
0
% 1
0
0
%
Cbus Self Managed
Cbus Self Managed
Investment Guidecbussuper.com.au/cbusselfmanaged.
Cbus’ Trustee is United Super Pty Ltd. ABN 46 006 261 623 AFSL 233792 Cbus ABN 75 493 363 262 Page 1 of 2 1208.3 04-21 ISS12 Continues next page
Step 3: Member declaration
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
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Investment handbook (Australian National University)

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