Product Disclosure Statement: 26 August 2023

Join Cbus Sole Trader Super

Making hard
work pay off
United Super Pty Ltd low fees
ABN 46 006 261 623 AFSL
233792 as Trustee for the insurance for
Construction and Building
Unions Superannuation your industry
Fund ABN 75 493 363 262
history of
(Cbus and/or Cbus Super).
strong returns
MySuper authorisation
75 493 363 262 473 investment in
1207.2 08-23 ISS14 industry jobs
Contents 1. About Cbus Super
1. About Cbus Super 2 Cbus Super is one of Australia’s largest
2. How super works 3
3. Benefits of investing with industry super funds, created by workers
Cbus Super 4 for workers.
4. Risks of super 5
5. How we invest your money 5 Established in 1984, Cbus Super looks after more than
6. Fees and costs 7 910,000 members and manages over $85 billion of their
7. How super is taxed 8 money. We keep all fees and costs as low as possible, and
8. Insurance in your super 10 any profits go to our members, not shareholders.
9. How to open an account 15 We deliver strong results over the long term and invest
About this guide back into the sectors our members work in. Our advice
This Product Disclosure Statement services are designed to help you make the right decisions
(PDS) contains general information only about your super.
and is designed to provide a summary
of significant information about Everything we do is to benefit our members, so they can
Cbus Super. It contains references to eventually enjoy the retirement they’ve worked hard for.
important information which also forms
part of this PDS. You should consider Who is Cbus Sole Trader Super for?
this information together with your own Cbus Sole Trader Super is for sole traders who are making
personal objectives, financial situation their own super contributions to Cbus Super. If you’re not
and needs before making a decision. A
financial adviser can help you decide if currently working, have an employer who’ll be contributing
this is the right product for you. Also read to Cbus Super, or you’re nearing retirement, one of our
the relevant Target Market Determination other super products may be more suitable.
at cbussuper.com.au/tmd. If you
You must meet these requirements to become a member
want a printed copy of this PDS or
other information referenced, of Cbus Sole Trader Super:
please call 1300 361 784 or email ■ you trade in your own right as a sole trader or in an
[email protected]. unincorporated partnership in which you and your
Unless we’ve said otherwise, information partners bear full responsibility for all of your business
in this PDS is current at the date of actions and liabilities
publication, but may change from time to
time. Any updates that aren’t materially
■ your business hasn’t been established under a company
adverse will be available at cbussuper. structure in which you’re a shareholder, director or
com.au/pds or contact us for details of employee, and
any changes. Always check our website ■ you’re not eligible to receive compulsory super
for the most up to date information. payments (or comparable contributions) from any
Any statement made by a third party or employer into any super fund for your main job.
based on a statement made by a third
party in this PDS has been included in the
form and context in which it appears with Save time and join online
the consent of the third party, which has Visit cbussuper.com.au/join and join
not been withdrawn as at the date of this Cbus Sole Trader Super in four easy steps.
document. Use of `us’, `we’, `our’ or `the
Trustee’ is a reference to United Super
Pty Ltd. Use of `Fund’ refers to Cbus
Super Fund.
Insurance is issued under a group policy
with our insurer, TAL Life Limited
ABN 70 050 109 450 AFSL 237848. All figures stated are as at 30 June 2023 unless otherwise noted.
2 | Join Cbus Sole Trader Super
Important information to read
Visit cbussuper.com.au/fund for information including: the Trust Deed (and governing rules), significant
event notices (including fee/product updates), Annual Report, Financial Services Guide, service providers,
details of appointment attendance, remuneration of our directors, and remuneration of our executives.
You can also visit cbussuper.com.au/dashboard to access our MySuper product dashboard.

2. How super works

You can choose your own super
Super helps you save for retirement and is compulsory for most employed Australians. That’s why the
government takes less tax from super than other types of investments. If you’re a sole trader or in an
unincorporated partnership you can choose your own super fund. Cbus Sole Trader Super lets you
choose how much and how often you would like to invest into your super. There are also other ways to
grow your super, such as personal contributions, government co-contributions and salary sacrifice.
See our How super works fact sheet for more details.

You can build your account with extra contributions

You can get more super by putting in extra money (see page 9 for limits). There are two ways:
1. From your before-tax salary: This could reduce your tax.
2. From your after-tax salary: The government could match money paid in with a co-contribution of
up to $500 if you’re a low to middle income earner.

Combine your super accounts to save

Moving jobs may mean you have several super accounts, paying fees on each of them. You can easily
search for and combine your super through your online Cbus Super account. Or complete the attached
Combine your super into Cbus Super form. To learn more about finding and combining your super visit
cbussuper.com.au/consolidate.

Super’s usually for your retirement

By law, you will generally need to reach your preservation age (age 60 if you were born from 1 July 1964),
or age 65 to access your super savings. Early access is possible under severe financial hardship, terminal
illness, permanent incapacity or on compassionate grounds.

You can also stay with Cbus Super when you finish work
After age 60 you can turn your super into regular, tax-free payments with a Cbus Super Income Stream
account. This means you can stay with Cbus Super as you transition into retirement and after you retire.

Keep track of your super

Unless you’ve told us you want to stay with Cbus Super, your account will move to the Australian
Taxation Office (ATO) and any Cbus Super insurance and other benefits will stop if:
■ we can’t contact you for a while (so be sure to keep your details up to date)
■ there’s limited activity on your account (such as no contributions) for 16 months, you don’t meet a
condition of release, your account doesn’t have insurance, and its balance is less than $6,000.

You should read the important information about how super works before making a decision.
Go to cbussuper.com.au/superworks. The material relating to how super works may change
between the time when you read this statement and the day when you acquire the product.

Join Cbus Sole Trader Super | 3

3. Benefits of investing with Cbus Super

Low fees and no entry fees

We keep costs low so more of your super stays where
it belongs: in your account.

Strong long-term investment performance

8.89 Our Growth (MySuper) option has returned an average of
8.89% each year for the past 39 years.*

Insurance for your industry

We offer tailored insurance options to suit your job, including high-risk
work that other super funds may not cover.

Financial advice that’s in your interests

Our Advice Services team can help you understand your options
and provide a personal recommendation – at no extra cost.

We invest in your industries

By investing in sustainable, long-term projects like Cbus Property†
developments and major renewable energy projects like Star of
the South, we actively invest in the industries that are important
to our members.

LOGIN
Digital services make it easy
Manage your super account your way. Search your app store for
Cbus Super or visit cbussuper.com.au/register to register online.

Regular, personalised updates

You’ll get two updates a year, along with personalised account videos
and retirement income estimates for most members.

*
From inception in 1984 to 30 June 2023. The average annual return is based on the crediting rate, which
is returns minus investment fees, taxes and until 31 January 2020, the percentage-based administration fee.
Excludes administration fees and insurance costs. Past performance is not a reliable indicator of future
performance. See page 6 for details.
†
Cbus Property Pty Ltd is a wholly-owned entity of Cbus Super and is responsible for the development and
management of a portfolio of Cbus Super’s property investments.
4 | Join Cbus Sole Trader Super
4. Risks of super
All investing has risk. Understanding risk helps you to make better
investment decisions.
We invest your super in different asset classes and each has a different level of risk and expected return.
Shares and some alternative investments can have high returns, but also more risk of a negative return
or loss in the short term. Cash and fixed interest investments generally have more stable but lower
long-term returns.
When investing in super (including Cbus Super) it’s important to consider:
■ the value of your investment can change as returns aren’t guaranteed and you may lose some of
your money
■ the level of investment returns can vary – future returns can be different to past returns
■ contributions and investment returns may not grow your super enough to fully support you when
you retire and your savings might not last long enough, and
■ super laws may change in the future.
So, when you come to choose investment options, it’s important to think about:
■ how old you are now and how long you plan to invest – to retirement or longer
■ other investments you have outside super, such as savings, property or shares, and
■ how much risk you want to take to achieve the return you want.

5. How we invest your money

You can choose from a range of investment options:
Pre-mixed options: DIY options: Cbus Self Managed
■ High Growth ■ Overseas Shares For even more control, you
■ Growth Plus ■ Australian Shares can choose from a range of
■ Growth (MySuper)* ■ Property Australian shares, exchange
■ Indexed Diversified ■ Diversified Fixed traded funds, term deposits,
Interest property and infrastructure
■ Conservative Growth
options (conditions and extra
■ Conservative ■ Cash*
costs apply).

We consider environmental, social and governance (ESG) factors when investing across our whole
portfolio. Visit cbussuper.com.au/esg for more information on responsible investment.

Growth (MySuper) is designed to suit most members

We’ll invest your super in Growth (MySuper)* until you make a choice. This option suits people
who can live with occasional negative returns but want long-term returns to be higher than inflation.
It invests in a range of assets including shares, property, infrastructure and cash.
*
Until 14 February 2022, Growth (MySuper) was called Growth (Cbus MySuper) and Cash was called Cash Savings.
Join Cbus Sole Trader Super | 5
 LOW HIGH

GrowthGrowth
(MySuper)
Risk/return

LOW HIGH

Risk level/(band)* Medium to High (5)

Conservative Growth
Objectives Deliver a return of inflation plus:
3.25% a year over rolling 10-year periods

Likelihood of
3 to 4 in every 20 years
negative returns LOW HIGH

Minimum timeframe Invested for at least 7 years

Conservative
Strategic Asset Allocation % Range %
Allocation Australian shares 22.0 5.0 – 38.0
and range Global shares 25.5 7.0 – 39.0
Emerging market shares 2.5 0.0 – 16.5
PrivateLOWequity HIGH
3.0 0.0 – 12.0
Alternative growth 3.0 0.0 – 13.0
Infrastructure 13.0 0.0 – 28.0
Property† Cash Saving 12.0 0.0 – 28.0
Global credit 7.0 0.0 – 17.0
Australian fixed interest 4.0 0.0 – 23.0
International fixed interest 4.0 0.0 – 23.0
Cash 4.0 1.0 – 18.0
LOW HIGH

Average annual Over 10 years: 8.27%

return (based on Over 39 years: 8.89%
annual crediting rates Visit cbussuper.com.au/investments for the latest returns.
to 30 June 2023) Past performance is not a reliable indicator of future performance.
*
This is an industry-wide standard risk measure, which is based on the number of expected negative annual
returns over a 20-year period.
†
Made up of 85% unlisted property and 15% global real estate investment trusts (GREITs).
Investment options may change as our investment strategy changes. We’ll contact you or post
updates at cbussuper.com.au about any significant changes.

You can change investments through your online account or by completing an Investment
choice form. The right investment choice for you will depend on its likely return, the amount
of risk you’re happy to take to achieve it, and how long until you retire.

You should read the important information about our investment options and how we invest
your money before making a decision. Go to cbussuper.com.au/pds to read the Investment
handbook and the Cbus Self Managed investment guide. The material relating to our
investment options may change between the time when you read this statement and the
day when you acquire the product. Always visit our website for the latest information.

6 | Join Cbus Sole Trader Super

6. Fees and costs
Did you know? Small differences in both investment performance and fees and costs can have a
substantial impact on your long-term returns. For example, total annual fees and costs of 2% of your
account balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for
example, reduce it from $100,000 to $80,000).
You should consider whether features such as superior investment performance or the provision of
better member services justify higher fees and costs. You or your employer, as applicable, may be able
to negotiate to pay lower fees.* Ask the fund or your financial adviser.
To find out more: If you would like to find out more, or see the impact of fees based on your own
circumstances, the Australian Securities and Investments Commission (ASIC) Moneysmart website
(moneysmart.gov.au) has a superannuation calculator to help you check out different fee options.
* This text is legally required, but as Cbus Super only charges fees to cover costs and not to make a profit our fees
can’t be negotiated.
Fees and costs summary
This table shows fees and costs for the Growth (MySuper) option and can be used to compare costs
between different superannuation products. Fees may be deducted directly from your account or from
investment returns.

Type of fee or cost Amount How and when paid

Ongoing annual fees and costs†
Administration fees $1.50 a week ($78 a year) Deducted from your account at the end
and costs plus of each month or when you close your
0.19% of your account account.
balance up to $1,000 a year
plus Deducted from fund reserves (not from
0.03% a year§ your account).
Investment fees 0.42% a year§ Deducted from returns before the crediting
and costs‡ ($4.20 for each $1,000) rate is applied to your account.
Transaction costs 0.08% a year § Deducted from returns before the crediting
rate is applied to your account.
Member activity related fees and costs
Buy-sell spread Nil Not applicable
Switching fee Nil Not applicable
Other fees and costs Other fees and costs may apply, such as insurance premiums. See the
Additional explanation of fees and costs fact sheet at cbussuper.com.au/fees.
†
If your account balance for a product offered by Cbus Super is less than $6,000 at the end of the Cbus Super
income year, certain fees and costs charged to you in relation to administration and investment are capped at
3% of the account balance. Any amount charged in excess of that cap must be refunded.
‡
Investment fees and costs include an amount of 0.04% for performance fees based on the average
performance fees for the five years to 30 June 2023.
§
These figures are estimates based on costs for the previous financial year and may change. The calculation
basis for these amounts is set out in Investment fees and costs fact sheet at cbussuper.com.au/fees.

Join Cbus Sole Trader Super | 7

Example of annual fees and costs for Growth (MySuper)
This table gives an example of how the ongoing annual fees and costs for the Growth (MySuper)
option can affect your superannuation investment over a one-year period. You should use this table to
compare this superannuation product with other superannuation products.

Example – Growth (MySuper) Balance of $50,000

Administration $1.50 a week ($78 a year) For every $50,000 you have in Growth (MySuper)
fees and costs plus 0.19% of your you will be charged or have deducted from your
account balance a year investment $110* in administration fees and costs,
plus 0.03% a year paid plus $78 regardless of your balance.
from fund reserves
(not your account)
PLUS 0.42% And you will be charged or have deducted from your
Investment fees investment $210 in investment fees and costs.
and costs
PLUS 0.08% And you will be charged or have deducted from your
Transaction costs investment $40 in transaction costs.
EQUALS If your balance was $50,000 at the beginning of the
Cost of product year, then for that year you will be charged fees and
costs of $438† for the Growth (MySuper) option.
*
This includes $15 paid from fund reserves and not your account. †Additional fees may apply.
We may change fees and costs at any time. You’ll get at least 30 days’ notice before any increase to
administration fees or insurance premiums.

Financial advice fees may be able to be deducted from your Cbus Super account for personal
financial advice provided in relation to your account(s) by a financial planner who is part of
our Cbus Super and FAAA Member Referral Program, or if your chosen financial planner is
registered with us for fee deductions. Fees will only be deducted with your written consent.

You should read the important information about fees and costs before making a decision.
Go to cbussuper.com.au/fees. The information on fees and costs may change between the
time when you read this statement and the day when you acquire the product.

7. How super is taxed

Super is a more tax-effective way for most people to save for retirement.
Although you don’t have to, you should give us your tax file number or you’ll pay extra tax and
won’t be able to make after-tax contributions. We’re authorised to collect, use and disclose your
TFN under the Superannuation Industry (Supervision) Act 1993. Your TFN may be shared with
another super provider when your benefits are being transferred unless you request in writing
not to. See cbussuper.com.au/tfn for details.

Tax on money put in

Tax on money put into super is worked out on the amount and if it’s paid from your before or after-tax
income (and also sometimes, your total income). Tax is usually deducted from your account after the
money has gone in. We then pay the tax to the Australian Taxation Office (ATO).
8 | Join Cbus Sole Trader Super
 There are limits on how much you can contribute to your super (contribution caps). If you
contribute more than these limits you may pay extra tax.

Limits on how much you can put into super (for the 2023/24 financial year)
Before-tax 15%* tax on amounts up to $27,500 a year. Amounts above this
(concessional) limit are added to your assessable income and taxed at your marginal
such as employer rate. If the excess concessional contributions are not withdrawn, they
and salary sacrifice will count toward your non-concessional contribution cap.
contributions If your total super balance across all accounts is under $500,000 at the
end of the previous financial year, you can use any unused concessional
contribution cap amounts on a rolling five-year basis.
After-tax No tax on amounts up to $110,000 a year.
(non-concessional) If you’re under age 75, you may be able to contribute $330,000 in any
such as personal or rolling three-year period. Contributions more than this limit may be
voluntary contributions taxed at 47% if not withdrawn (being 45% marginal tax rate plus 2%
where no tax deduction Medicare levy).
has been claimed
Your total super balance may affect these after-tax limits.
*
An additional 15% tax is levied on before-tax contributions that – when combined with your income – are
greater than $250,000.
You can apply to claim a tax deduction for after-tax contributions you make. Contributions you claim as a
tax deduction are treated as concessional contributions, so they’re taxed at 15% and contribute to your
before-tax (concessional) contributions cap. Think about what this tax treatment could mean for you.
Before you apply to claim the tax deduction you need to make sure you meet the eligibility criteria and notify
us of your intent to claim using our Claim a tax deduction for personal contributions to super form. From age
67 you’ll also need to meet the work test (or exemption criteria) and your ability to contribute stops around a
month after your 75th birthday. For details read the How super is taxed fact sheet at cbussuper.com.au/tax.

Tax on lump sum withdrawals

Age 60 or over: withdrawals are generally tax free. Under age 60: tax is deducted from withdrawals
before we pay them to you as follows.

Component Tax if you’re under 60

Tax free No tax payable.
Taxable Under preservation age: taxed at a maximum of 20%.†
Between preservation age and 59: the first $235,000 ‡ is generally
tax free and the balance is taxed at a maximum of 15%.†
†
Plus Medicare levy. ‡
Low rate cap for 2023/24.

Tax on investment earnings

Investment earnings on your super are generally taxed at up to 15% (the actual rate may be lower due
to certain tax credits and rebates available). This tax is deducted from the crediting rate that applies
to your super before the earnings are added to your account.

You should read the important information about how super is taxed before making a decision.
Go to cbussuper.com.au/tax or ato.gov.au. The material relating to how super is taxed may change
between the time when you read this statement and the day when you acquire the product.

Join Cbus Sole Trader Super | 9

8. Insurance in your super
Cover you can count on
At Cbus Super, our size means we can get a better deal for our members, with insurance built for your
industry and premiums paid from your super, not your salary. Most members get cover automatically,
with no health checks and no hassle. Plus you can change your cover to suit your needs.

You can get cover automatically

If you’re eligible, insurance through Cbus Sole Trader Super can cover you for:

Your life Your income

Death Terminal Total and permanent Income
illness disablement (TPD) protection (IP)

Automatic Automatic Automatic Automatic

if you qualify if you qualify if you qualify if you qualify
Lump sum Lump sum Lump sum Monthly payments
to your if you have death if you’re if you temporarily
dependants cover and are permanently can’t work due
if you die diagnosed as disabled by injury to an accident
terminally ill* or illness and or illness†
unlikely to ever
work again†

*
With a life expectancy of 24 months or less from when you were diagnosed. † Conditions apply.

When automatic cover starts

Your automatic cover won’t start until your account balance reaches $6,000 (and you’ve turned 25),
unless you tell us you want cover earlier. Select this option when you join Cbus Super or anytime at
cbussuper.com.au/want-cover. Your cover may be limited depending on when you tell us you want it.
If you elect to receive automatic cover, your cover will start from the later of:
■ the day you elect to receive cover, or
■ the day you have at least $250 in your account (as long as it’s within 31 days from when we accept
your application to join or your election for cover).
If you don’t elect to receive cover, your cover will start when your account balance reaches $6,000 (and
you’ve turned 25).
See the Sole Trader Super insurance guide for more information on insurance, including when cover
may be limited.

Some words in this section (such as compulsory super, normal job and senior manager or
executive) have specific meanings that you need to understand. Please read the Sole Trader
Super insurance guide to learn more.

Watch our Know your insurance explainer video at cbussuper.com.au/knowhow to learn more.

10 | Join Cbus Sole Trader Super

Cover for the work you do
Your occupation category affects both how much automatic death and TPD cover you may receive, and
how much you pay for your cover – so it’s important you’re in the right category for the work you do.
You’ll be covered under the manual category, which is the default category, if you’re eligible for cover and
don’t choose a different category when you join. The cost of cover in the manual category is higher than
for other categories. The amount of automatic cover is also lower than for other categories.
To change your occupation category, log into your account or complete an Application to change
occupation category – Death and TPD form, available at cbussuper.com.au/forms.
We’ll check your category if you make a claim and any insurance payment may be reduced if you weren’t
eligible for the category you selected. So contact us if you’re not sure which category applies to you.

Mainly physical work Mainly desk-based work

Manual Non-manual
■ You do manual or physical work, and ■ You do only administrative,
■ You don’t qualify for any other managerial or professional work
category. (and no manual work)
■ At least 80% of your work is in an
office, and
■ You don’t qualify for the professional
category.
Typical jobs Typical jobs
Bricklayer, Truck driver, Bookkeeper, Insurance broker,
Mechanic, Plumber Tax adviser

Skilled trades Professional

(IP only) (Death and TPD only)
■ You do manual work or more than 20% ■ You do only administrative,
of your work is not in an office, and managerial or professional work
■ You have any of the following (and no manual work)
qualifications relating to your work: ■ At least 80% of your work is in an office
- an apprenticeship ■ Your annual taxable income is more
- an Australian Recognised Trade than $100,000 (pro rated if part time),
Certificate (ARTC) and
- an OffshoreTechnical Skills Record ■ You’re a senior manager or executive,
(OTSR), or or have a university degree or higher
- a university degree. qualification.
Typical jobs Typical jobs
A fully qualified Carpenter, Accountant, Architect,
Electrician or Plumber HR manager, Lawyer
If you choose this category and qualify If you choose this category and qualify for
for cover, you’ll get skilled trades IP cover cover, you’ll get professional death and
and manual death and TPD cover. TPD cover and non-manual IP cover.

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Can you get cover?
You must meet some basic conditions to be eligible for cover through Cbus Sole Trader Super. You’ll
generally qualify for automatic death, TPD and IP cover, subject to the following:
If… Then…
None of the below apply to you ■ You can get automatic death, TPD and IP cover:
– if you tell us you want cover when you join
Full (regardless of your account balance or age),
cover or
– when your account balance reaches $6,000
(and you’ve turned 25)
You’re between 65 and 69 ■ You can get automatic death cover and can apply
for TPD cover, but you can’t get any IP cover
Some
cover You’re off work or on restricted duties ■ You can get automatic cover, but your TPD
because you’re sick or injured when cover will be only for injuries or illnesses that
cover starts first occur after your cover starts
■ You’ll get full TPD cover when you can do your
normal job again without restriction for ten days
in a row
You elect to receive automatic cover ■ For 24 months, you’ll have death and TPD cover
after you join, but before your account only for injuries or illnesses that first occur after
balance reaches $6,000 (and you've your cover starts
turned 25) ■ You’ll get full death and TPD cover after that,
if you can do your normal job without being
restricted by injury or illness for ten days in a row
You’re working less than 15 hours a week
■ You can get automatic death and TPD cover,
You’re not an Australian resident
but no IP cover.
You work in an excluded occupation
You’re under 15 or have reached age 70
You’ve received a total and permanent
No disablement or terminal illness payment
cover
from a super fund or insurance policy, ■ Unfortunately, you can’t get any insurance
or you’re currently applying for or
cover through Cbus Super.
entitled to one
You have a terminal illness with a life
expectancy of 24 months or less from
when it was diagnosed

Insurance needs calculator

Work out how much you might need to protect you and your family using our
Insurance needs calculator available at cbussuper.com.au/calculators.

This section summarises your insurance options, but you should read the Sole Trader Super insurance
guide for detailed information about insurance including:
■ the amount of cover available and how much ■ when cover starts and stops

it costs ■ how to change your occupation category or

■ eligibility, exclusions and other terms and amount of cover, and

conditions ■ cancellation of insurance.

12 | Join Cbus Sole Trader Super

How much cover will you get?
The automatic cover available is based on your age and your occupation category.
If you’re between 15 and 64, you’ll receive 1 unit of death cover, 1 unit of TPD cover, and 6 units of
accident and illness IP cover.
If you’re between 65 and 69, you’ll only receive 1 unit of death cover.

What automatic cover will cost

The cost of your insurance depends on the type of cover you receive, how many units you choose, your
age, and your occupation category.
Here’s how the cost of your automatic cover is worked out:

Total weekly cost Death cost + TPD cost IP cost

Automatic cover – Weekly cost per unit

1 unit of death and 1 unit of TPD cover
Manual Non-manual and professional
Your age Death TPD Death TPD
15 - 24 $1.05 $0.75 $0.62 $0.28
25 - 34 $1.13 $1.68 $0.67 $0.68
35 - 49 $1.51 $2.33 $1.15 $1.35
50+ $2.06 $2.80 $1.73 $1.67

6 units of accident and illness IP cover*

Age 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64
Manual $4.92 $4.92 $4.92 $6.06 $7.86 $10.68 $14.22 $19.98 $28.86 $36.18
Skilled Trades $2.52 $2.52 $2.52 $3.06 $4.08 $5.46 $7.38 $10.44 $15.36 $16.50
Non-manual $1.62 $1.62 $1.62 $2.04 $2.64 $3.54 $4.74 $6.66 $9.60 $12.06
*
IP cover is based on a 2-year benefit payment period and a 30-day waiting period.
Each unit covers you for a certain dollar amount, which also varies according to your age and occupation
category. For example, here’s what you could get at different ages if you’re a manual worker:

Automatic cover – Age-based payouts for manual workers

20
$52,000
30
$52,000
40
$52,000
50
$52,000
60
$25,000
Death cover Death cover Death cover Death cover Death cover
$52,000 $36,400 $31,200 $26,000 $12,000
TPD cover TPD cover TPD cover TPD cover TPD cover
$600 a week $600 a week $600 a week $600 a week $600 a week
IP cover IP cover IP cover IP cover IP cover

Join Cbus Sole Trader Super | 13

Keep your cover, even when life changes
Your insurance cover will stop if your account doesn’t receive a contribution or a roll in for 16 months.
Your death and TPD cover could then restart if you get more super in future.
We can keep you covered – even if you stop work or change jobs – if you tell us you want to keep your
cover on your application when you join Cbus Super.
You can change your mind or choose to reduce or cancel your cover at any time. Be aware your cover
could stop for other reasons too, such as when you reach a certain age or not having enough money in
your account to pay for it – see the Sole Trader Super insurance guide for details.

Changing your cover

You can choose to make changes to your insurance whenever you like. Apply to change your occupation
category, increase, reduce or cancel your cover by logging into your account at cbussuper.com.au/login or
completing the relevant form on our website. To simply cancel your cover, you can call us on 1300 361 784.
You can apply for up to $5 million death cover, $3 million TPD cover and IP cover of up to 85% of salary
(subject to conditions).
You can reduce or cancel your cover at any time. But if you change your mind and want cover later, you’ll
need to reapply and provide information about your health for our insurer to consider. You can also apply
to transfer your existing death and TPD cover from another super fund or insurance policy.
You can decrease your IP cover when you complete your Join Cbus Sole Trader Super form if the default
level of six units is too much cover for your level of income. All you need to do is mark the number of
units you need (between one and six).
For more information, see the Sole Trader Super insurance guide.

The cost of cover will come out of your account unless you cancel it (or it stops for another
reason). When deciding what cover is right for you – now and in the future – think about the
benefits of being covered and the impact of insurance costs on your retirement savings.

You should read the important information about insurance in your super before making
a decision, including the amount and costs of cover, when cover stops and starts, changing
your cover, making a claim, and any other terms and conditions of Cbus Super’s insurance
policies. Read the Sole Trader Super insurance guide and Sole Trader Super insurance – key facts
at cbussuper.com.au/insurance for more information. The material relating to insurance in
your super may change between the time when you read this statement and the day when
you acquire the product. Always visit our website for the latest information.

14 | Join Cbus Sole Trader Super

 9. How to open an account
There are two ways you can open a Cbus Sole Trader Super account:

1. Join online
■ Visit cbussuper.com.au/join to join in four easy steps

2. Complete the attached forms

■ Join Cbus Sole Trader Super
■ Combine your super into Cbus Super (optional)

Need help? Call us on 1300 361 784 8.30am to 6pm AEST/AEDT, Monday to Friday.

Contact us if you’re not satisfied

We strive to provide great service for every member. If you’re dissatisfied with any aspect of the Fund:
■ Submit your complaint online at cbussuper.com.au/complaint.
■ Call 1300 361 784 (8am to 8pm AEST/AEDT, Monday to Friday) within Australia.
Closed national public holidays.
■ Write to the Complaints Officer, Cbus Super, PO Box 24231, Melbourne 3001.
If you’re not satisfied with the outcome of our investigation, your complaint may be considered by the
Australian Financial Complaints Authority (AFCA). AFCA is an independent dispute resolution body set
up by the Federal Government to provide a free, impartial and binding dispute resolution service for
financial services.
■ Write to GPO Box 3, Melbourne VIC 3001 ■ Email [email protected]
■ Call 1800 931 678 ■ Website afca.org.au

To learn more about how to make a complaint, read the fact sheet available at
cbussuper.com.au/complaint.

Cooling off
If you change your mind about Cbus Super, by law you can stop your membership within the later of:
■ 14 days from when Cbus Super confirms we have accepted it.
■ 19 days from the date Cbus Super receives your membership application.
If you want to cancel your membership, please contact us. Any preserved benefit you have can only
be rolled over to another regulated super fund.

Privacy
We collect, store and disclose the personal information you provide only to administer your account and
in accordance with our Privacy Policy. Except where required by law, your personal information will not be
used for any other purpose. For more details, please refer to our Privacy Policy and Personal Information
Collection Statement at cbussuper.com.au/privacy or call 1300 361 784 for a copy.

Join Cbus Sole Trader Super | 15

 Join Cbus Sole Trader Super REQUIRED
This membership application is part of the Cbus Sole Trader Super Product Disclosure Statement (PDS)
dated 26 August 2023. Please read the PDS before you complete this form.
Please use black or blue pen and CAPITAL letters. Use an X in boxes where required.

Did you know you can join online? Visit cbussuper.com.au/join — it’s quick and easy.

Step 1: Check you’re eligible to join Cbus Sole Trader Super

1. Do you trade in your own right as a sole trader or in an unincorporated partnership in which you and your partners Yes No
bear full responsibility for all of your business actions and liabilities?

2. H
 as your business been established under a company structure in which you’re a shareholder, director or employee? Yes No

3. F
 or your main job, are you eligible to receive compulsory super payments into Cbus Super or any other super fund? Yes No

If you answered NO to question 1 or YES to question 2 or 3, you’re not eligible to join Cbus Sole Trader Super.
Consider joining Cbus Industry or Personal Super. To check the right super plan for you, please visit cbussuper.com.au

Step 2: Provide your personal details

Title Date of birth Gender
Mr Mrs Miss Ms Other D D / M M / Y Y Y Y X Male X Female
Given name(s)

Family name

Home phone Mobile

( )
Residential address (compulsory)

Suburb/town State Postcode

Business or Postal address (if different from your residential address)

Suburb/town State Postcode

Email address (providing your email means you give us permission to use it)

Your employment status

X Full-time X Part-time X Casual X Self employed/contractor
Your job title/occupation

Step 3: Consider providing your tax file number

Providing your tax file number (TFN) is voluntary but can result in paying less tax. It also allows
you to top up your super with your take-home pay. (See section 7 of the PDS for details.) My TFN is:

Step 4: Choose your occupation category

Your occupation category will determine the level and cost of insurance cover you’re eligible for – check the descriptions on page 11.
Manual 
Non-manual Skilled trades Professional

If you don’t choose a category when you join, you’ll be covered under the manual category (if you’re eligible for cover) until you advise us otherwise.
We’ll check your category if you make a claim.

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 Step 5: Elect to receive automatic cover
If you want access to automatic insurance cover when you join - regardless of your account balance or age - you need to let us know.
I want automatic insurance cover now
If you don’t tick this box, you won’t be able to access automatic cover until your account balance reaches $6,000 (and you’ve reached age 25). Other
conditions apply.

Step 6: Check if you can get automatic insurance cover

Answer the following questions to see if you’re eligible for automatic cover.

Have you ever received a payment for a total and permanent disablement
Yes
 You’re not eligible for automatic cover. Go to step 9.
(TPD) or terminal illness from any super fund or insurance policy, or are you
currently applying for or entitled to one? No


Do you have a terminal illness with a life expectancy of 24 months or less Yes
 You’re not eligible for automatic cover. Go to step 9.
from when it was diagnosed? No


Answer the following questions to see what sort of cover you may be able to get.

Yes

Are you working at least 15 hours a week?
No
 You may get death and TPD cover but no IP cover.
Are you an Australian resident?
(This an Australian citizen or permanent resident within the meaning of Yes

section 30 of the Migration Act 1958, or someone living in Australia on an No
 You may get death and TPD cover but no IP cover.
approved working visa.)

Do you work in an excluded occupation? Yes

 You may get death and TPD cover but no IP cover.
(See the Sole Trader Super insurance guide for a list of these occupations.) No


Are you off work or on restricted duties because you’re sick or injured? Yes
 You’re eligible for death and new events TPD cover.
(See page 12 of this PDS for details of cover in this situation.) No


Step 7: Choose how much cover you want

Death and TPD: If you qualify for automatic cover, you’ll get 1 unit of death and TPD. To apply for more cover, you’ll need to complete a Change my
insurance: Sole Trader Super form and answer some extra health questions.
Income protection: You can choose up to 6 units of IP cover on this form.

Choose how many units of IP cover you want 6 (default) 5 4 3 2 1

Maximum IP payment per week if you have an accident $600 $500 $400 $300 $200 $100

If you don’t make a choice, you’ll receive the automatic amount of 6 units of IP cover. If you’d like more than 6 units of cover, you’ll need to complete a
Change my insurance: Sole Trader Super form and answer some extra health questions.
See the Sole Trader Super insurance guide for more information about your insurance options and how to work out how much cover you need.
Your insurance cover won’t start unless your account balance is at least $250 within 31 days of when we accept your accurately completed
Join Cbus Sole Trader Super form.

Step 8: Elect to keep your cover, even when life changes

If your account doesn’t receive a contribution or a roll in for 16 months, any cover (including any future cover) will stop unless you’ve elected to keep it.
You can change your mind and cancel cover at any time - see page 14.
I want to keep my insurance cover even if my account becomes inactive.

Please consider what insurance is right for your circumstances and the impact insurance premiums can have on your account balance.

Step 9: Make your first super payment

You must make an initial payment of at least $250 into your Cbus Super account within 31 days of when we accept this form.
This amount can be a personal contribution or a rollover from another super fund. If you have chosen to upgrade your insurance cover to more than
the default level (see section 8 of the PDS), you may need to make a bigger first payment to cover the increased insurance cost. Please make cheques
payable to Cbus Superannuation Fund.
My first payment is:

a) A personal contribution (made personally by you). $ , .

b) A rollover from another super fund. Please fill in the attached Combine your super into Cbus Super form. $ , .

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 Step 10: OPTIONAL: Consider setting up a direct debit to your Cbus Super account

Read the Direct debit service agreement thoroughly. You can find the Direct debit service agreement online at cbussuper.com.au/forms
or call us for a copy. The agreement is designed to explain what your obligations are when undertaking a direct debit arrangement with us. It
also details what our obligations are to you as your direct debit provider. The agreement forms part of the terms and conditions of your direct
debit request and should be read in conjunction with your direct debit request. You can only make personal contributions via direct debit – you
cannot make salary sacrifice contributions this way.
Planning to claim a tax deduction for contributions you make? From age 67 you’ll also need to meet the work test (or exemption criteria)
and your ability to claim stops around a month after your 75th birthday. See page 9.

We can only accept direct debit contributions if you’ve provided your tax file number (TFN). The Government also limits how much you can contribute
to super without paying extra tax – visit ato.gov.au.
Have you provided Cbus Super with your TFN?
Yes No To provide it complete step 3 above or call 1300 361 784.

How much do you want to be deducted? $ , .

How often do you want the above amount to be deducted?

On-demand OR Twice monthly When do you 7th Your payments will be deducted at the first
Monthly want to start 14th available opportunity, according to the frequency
(This is a one-off and start date you select. If any of these dates
Quarterly your first 21st
instruction) fall on a weekend or public holiday, the payment
deduction?
28th will be processed the next business day.

Name of your bank, building society or credit union (this must be an account held in Australia)

Financial institution address

Suburb/town State Postcode

Name bank account is held in (for example, Fred Smith, or ABC Pty Ltd)

BSB Account number

-

I request and authorise Cbus Super to arrange for the amount selected above to be debited through the Bulk Electronic Clearing System from
an account held at the financial institution identified above, subject to the terms and conditions of the Direct debit request service agreement.
Where contributions are being deducted from my business account, I acknowledge that these contributions are after-tax personal contributions
and have been correctly accounted for and recorded for tax purposes. I acknowledge that I am responsible for any tax liabilities on these contributions.
By signing this direct debit request you acknowledge having read and understood the terms and conditions governing the debit arrangements
between you and United Super Pty Ltd ABN 46 006 261 623 as Trustee for Cbus Super, as set out in this request and in your Direct debit request
service agreement.
Visit cbussuper.com.au/forms for a copy or call us on 1300 361 784.
Your signature Joint account signature (if applicable)
Sign here: Sign here:

Date Date
D D / M M / 2 0 Y Y D D / M M / 2 0 Y Y

Step 11: Choose who gets your super if you die

A non-binding nomination means we’ll consider who you list but we’ll also consider others who have a legal right to your super if you die. The minimum
you can allocate to a single beneficiary is 1%.
Legal Personal Representative . %
Dependants: Given name and initial(s) (eg Sam R) Family name Relationship to you (spouse, child, etc)
. %
. %
. %
Attach another page if you have more than three beneficiaries. You can change your nominations at any time online or by calling us. Must add up to 1 0 0 . 0 0 %

Making a binding nomination will give you more certainty. Check your beneficiary options at cbussuper.com.au/beneficiaries.

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 3 of 4 1207.2 08-23 ISS14
 Step 12: Choose how to invest your account
Do you want to choose how to invest your account? Yes Complete the rest of step 12 No Go to step 13

If you don’t make a choice, your super will be invested in the Growth (MySuper) option. Before choosing, we strongly recommend you read the
Investment handbook at cbussuper.com.au/investments and seek advice. Call Cbus Super Advice Services on 1300 361 784.

Pre-mixed options Proportion DIY options Proportion

High Growth % Overseas Shares % Cbus Self Managed: Cbus Self Managed is
an investment option that allows eligible
Growth Plus % Australian Shares % members to invest their super directly in a
Growth (MySuper) % Property % range of asset classes. To invest in Cbus Self
Managed just register online after joining.
Indexed Diversified % Diversified Fixed Interest %
Visit cbussuper.com.au/cbusselfmanaged
Conservative Growth % Cash % to learn more.
Conservative %
Your total across all 11 options must add up to 100% 1 0 0 %

Step 13: How should we communicate with you?

You can change your preference at any time via your online account.
Do you want to receive your statements online only? Yes No
Do you want to receive information about Cbus Super products and services by email or SMS? Yes No
Do you want to receive information from Cbus Super about special offers, discounts and other marketing materials outside Yes No
of your membership?
Do you want to receive The New Daily (TND)? TND is a free online newspaper providing general and financial content.
To get started, your name and email address will be provided to TND. Yes No

Step 14: Sign and date this form

I want to open a Cbus Sole Trader Super account on the terms and conditions in the trust deed and confirm that:
¡ I’ve read and understood the Cbus Sole Trader Super Product Disclosure Statement and additional information incorporated by reference before making
the decision to join.
¡ I’ve read the Trustee’s Privacy Statement as contained in the Privacy Policy and Personal Information Collection Statement and I consent to the
collection, use and disclosure of my personal and sensitive information by the Trustee in the manner described in the Privacy Statement.
¡ I understand Cbus Super may send product disclosure statements, annual statements, significant event notices and other regulatory items to me
digitally (such as a link in an email or making it available through my online account) using the email address provided on this form. I can opt out of receiving
these materials electronically through my online account or by contacting Cbus Super.
¡ I’m entitled to only one super membership in Cbus Super (except for Cbus Super Income Stream) and Cbus Super may close a duplicated account.
¡ I’ve read and understood the investment options.
¡ I understand Cbus Super is responsible for each investment option’s strategic asset allocation and objectives, and for choosing the investment
managers, but not for my choice of investment option.
¡ I’ve considered my own personal circumstances, needs and objectives (with or without the assistance of a financial planner) in deciding to invest in
Cbus Super products or make any other choice set out in this form.
¡ I’ve answered all questions truthfully and correctly to the best of my knowledge. I am aware my insurance benefit may be affected if I claim where my
responses are later shown to be false or misleading.
¡ My election to keep insurance cover will apply to the death, total and permanent disablement and income protection cover (where relevant) I have and
will continue to remain in place even if my level or type of cover changes in the future (unless it stops for another reason).
¡ I acknowledge the insurer has the right to verify my answers.
¡ I understand that I won’t receive cover automatically on joining, unless I make an election. If I don’t, I understand that I won’t receive default cover until
my account reaches $6,000 and I turn 25 or I make an election to receive cover at some other time. If I make an election to receive cover after joining,
I understand that I may receive limited cover.
¡ I acknowledge that, subject to Cbus Super accepting my application, if I qualify to get insurance cover when I join, it will start from the later of:
– the date my account balance is at least $250, or
– the date Cbus Super accepts my Join Cbus Sole Trader Super form.
¡ If I return this form by email, I acknowledge and declare that I have read and accepted the terms and conditions of the Join Cbus Sole Trader Super form
and I acknowledge that if I have not applied my physical or electronic signature:
– If the Trustee is satisfied that this is a genuine application, it will process the request, including making a payment from my account if I have requested one.
– In some cases, the Trustee may request more information to be satisfied this is a genuine application.
Sign here: Date
D D / M M / 2 0 Y Y

Send this form to: Cbus Super, Locked Bag 5056, Parramatta NSW 2124 or email it to us – visit cbussuper.com.au/cs/id to
learn how. We must receive your accurately completed form within 31 days of when you signed and dated it.

Cbus Super 1300 361 784 [email protected] Visit us in person in Adelaide,

Locked Bag 5056 8am to 8pm (AEST/AEDT) cbussuper.com.au Brisbane, Melbourne, Perth and Sydney.
PARRAMATTA NSW 2124 Monday to Friday Log in to chat to us online Details: cbussuper.com.au/contact

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 4 of 4 1207.2 08-23 ISS14
 Combine your super OPTIONAL

into Cbus Super

It's easier than ever to sort out your super
If you’ve had more than one job, you could have more than one super account. And this means
you’re probably paying more fees than you need to.

Why combine your super into Cbus Super?

Save on fees. You pay fees for every super account you own. We keep costs low so more of your super stays
where it belongs: in your super account.

Insurance for your industry. With more than one super fund, you could be paying for more than one
insurance policy. And other super funds may not cover high-risk working conditions such as working from heights,
underground or in confined spaces.

8.89 Benefit from strong long-term returns. Our Growth (My Super) investment option has delivered an
average of 8.89% each year for the past 39 years.*

Keep track of your super. One super account is easier to manage.

We invest in your industries. Through long-term projects like Cbus Property developments† we create
jobs for our members.

It’s easier than ever before

Transferring your super is easy and we can also help you find any lost super.
Two ways to combine your super
1. Combine online OR 2. Complete the attached form
The easiest way to combine your super is online. Simply Send the form back to us at
log into your online account at cbussuper.com.au/login Cbus Super, Locked Bag 5056, Parramatta NSW 2124
and go to Consolidate your super. Or you can email your form to us.
Visit cbussuper.com.au/cs/id to learn how.

If you need help finding your super or completing the form, call us on 1300 361 784 and we can help you over the phone. You can also visit your
nearest Cbus Super front counter or arrange for a Cbus Super Coordinator to meet with you. Go to cbussuper.com.au/contact for details.

Watch our How to consolidate your super explainer video at cbussuper.com.au/knowhow to learn more.

*
From inception in 1984 to 30 June 2023. The average annual return is based on the crediting rate, which is returns minus investment fees, taxes and until 31 January 2020,
the percentage-based administration fee. Excludes administration fees and insurance costs. Past performance is not a reliable indicator of future performance.
†
Cbus Property Pty Ltd is a wholly-owned entity of Cbus Super and is responsible for the development and management of a portfolio of Cbus Super’s property
investments.

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super).
Use of ‘us’, ‘we’, ‘our’ or ‘the Trustee’ is a reference to United Super Pty Ltd. Page 1 of 4 1500.0 08-23 ISS7
Important information about combining your super
Things to consider when combining your super This form won’t change where your employer
Combining your super can save you money and hassle, but there are pays your super into
a few important things to check first: Using this form won’t change the fund your employer pays your super
■ Fees and costs – Will the fund you’re transferring from charge any contributions into. To do that, speak to your employer and provide
fees? How do fees and insurance premiums compare? This can them with a completed I want my super paid into Cbus Super form,
make a big difference to how much you have when you retire. available at cbussuper.com.au/forms.
■ Insurance cover – Will you lose any insurance cover or other You need to provide proof of identity to search
benefits? And are you eligible for enough insurance cover and other
benefits with your chosen fund? You may be able to transfer your
for other super
insurance to Cbus Super before you close that account (see below). There's three options for this:
■ Contributions – Can your employer contribute to your chosen fund? 1. Electronic ID (see step 3 in this form)
■ Performance – How have both funds performed over the medium
The easiest way to provide proof of identity is to complete step 3
to longer term? (But remember, past performance is not an of this form. You'll need your Medicare card and drivers licence or
indicator of future performance.) passport so we can verify your identity electronically.
■ Advice – Will access to financial advice about your account be
available as part of your membership? 2. By email (Selfie ID)

Transfer your insurance cover first  mail us a photo of you holding your Australian drivers licence, as
E
well as a clear photo of the back of your drivers licence.
If you’re going to apply to transfer your insurance cover to Cbus Super, OR
don’t submit this form until the insurer accepts your application. Email us a photo of you holding your passport. The selfie needs to
be close up so we can read the writing on your ID.
Visit cbussuper.com.au/insurance for more information about
insurance through Cbus Super. To check if you’re eligible to transfer
3. By post (Certified ID)
cover to Cbus Super, use the Transfer my other insurance form at
cbussuper.com.au/forms. Send certified copies* of these documents to us by post:
1. Australian drivers licence (both sides) OR Australian passport.
Providing your TFN 2. One of the following: birth certificate/extract†, citizenship
You don't have to give us your TFN, but if you don't, you may be taxed certificate or government-issued concession card.
at a higher rate and we won’t be able to search for other super you 3. One of the following:
- phone, electricity, gas or water bill (from past three months)
might have. Learn more at cbussuper.com.au/tfn.
- bank statement that includes your name and address
Under the Superannuation Industry (Supervision) Act 1993, we're (from the past six months)
authorised to collect your TFN, which will only be used for lawful - Australian Taxation Office notice or council rates notice
purposes. These purposes may change in the future as a result of (from the past 12 months).
legislative change. Your TFN may be shared with another super *
Your documents can't be expired, though an Australian passport can be used
provider, when your benefits are being transferred, unless you if it expired within the past two years.
request in writing that your TFN is not shared. †
The name on your birth certificate/extract needs to match the name on your
Cbus Super account.
Combining a self managed super fund Read the Identification requirements brochure at
If you're combining your SMSF super balance into your Cbus Super cbussuper.com.au/cs/id for further info.
account, you will need to provide us with the name, ABN and
Electronic Service Address (ESA) of your SMSF. Has your name changed or are you signing on
If you need an ESA, you can obtain this from: behalf of another person?
■ your SMSF Administrator, tax agent, accountant or bank; or You'll need to provide additional proof of identity. See the
■ a dedicated SMSF messaging provider – go to ato.gov.au for Identification requirements brochure at cbussuper.com.au/cs/id for
registered providers. more information.

This form cannot be used to:

¡ transfer benefits if you don’t know where your super is (but you can use this form to search for it)
¡ change the fund your employer pays your super contributions into
¡ open a super account, or
¡ transfer benefits under certain conditions or circumstances (e.g. if a super agreement under the Family Law Act 1975 is in place).

Cbus Super 1300 361 784 [email protected] Visit us in person in Adelaide, Brisbane,
Locked Bag 5056 8am to 8pm (AEST/AEDT) cbussuper.com.au Melbourne, Perth and Sydney.
PARRAMATTA NSW 2124 Monday to Friday Log in to chat to us online Details: cbussuper.com.au/contact

This information is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions.
Read the relevant Product Disclosure Statement (PDS) and Target Market Determination to decide if Cbus Super is right for you. Call 1300 361 784 or visit cbussuper.com.au.
United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 2 of 4 1500.0 08-23 ISS7
 OPTIONAL

Combine your super into Cbus Super

Please use black or blue pen and write in CAPITAL letters. Use an X in boxes where required.

Return your form to Cbus Super, Locked Bag 5056 Parramatta NSW 2124. Or email it to us – visit cbussuper.com.au/cs/id to learn how.
Step 1: Provide your personal details
Title Date of birth Gender
Mr Mrs Miss Ms Other D D / M M / Y Y Y Y X
Male X Female
Given name(s)

Family name

Home phone Mobile

( )
Email address (providing your email means you give us permission to use it)

Tax file number (if you haven’t already provided it)

You don’t have to give us your tax file number, but there may be tax consequences and
we won’t be able to search for lost super. Visit cbussuper.com.au/tfn for more details.
Residential address

Suburb/town State Postcode

Step 2: How do you want to combine your super?

I want Cbus Super to search for other super I might have Complete step 3
I’m ready to supply the details of my other super accounts Complete step 4

Step 3: Search for other super accounts

Tick the box below to give us permission to search for other super you might have, then make sure you also provide proof of your identity.
Cbus Super may use my TFN for the purpose of a SuperMatch search to find lost super held by the ATO and super with other funds (including any insurance
cover), then notify me of the results. Super held by the ATO will be rolled into my Cbus Super account. Super with other funds will be rolled over upon my request.
This permission will be ongoing and we will store it. You can change this permission at any time once you have set up your online account, or call us on
1300 361 784.

Proving your identity

You need to provide proof of your identity before we can search for your super (so we can make sure the super belongs to you). We will store the status
of your ID check for two years from the date it was successfully completed.
Do you want us to verify you electronically using Yes Provide details in Part 1 and Part 2 (below), then go to step 4.
independent data sources? (We’ll use the details you No Provide certified copies of your identity documents (see page 2). If your documents
provide below and other details on this form.) 
haven't been certified correctly, we’ll use your ID and other information on this form
Part 1: Medicare details to verify you electronically using independent data sources.
Full name including middle name as shown on card

Medicare number Valid to Your reference number on this card is

- - M M / Y Y Y Y
Part 2: Either Australian driver’s licence or Australian passport – you don’t need to supply both
Australian driver’s licence number Australian passport number

Full name including middle name as shown on licence Full name including middle name as shown on passport

Place of birth as shown on your passport

State of issue Expiry date

Country of birth (this isn’t shown on your passport)
D D / M M / Y Y Y Y
Card number (See cbussuper.com.au/IDhelp) Family name at birth (this isn’t shown on your passport)

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 3 of 4 1500.0 08-23 ISS7
 Step 4: Other super account details
To transfer your super from more funds you can attach another This transfer may close your account and cancel any insurance cover or any other
form or log into your account and combine your super online. entitlements associated with that account (you need to check this with your FROM fund).

Transfer from fund details

FROM (transferring) Fund name

Membership or account number Fund phone number Australian business number (ABN)

Unique Superannuation Identifier (USI) (not required for SMSF transfers) For SMSF transfers only Electronic Service Address (ESA)

Whole or partial Whole balance – Partial – transfer $ , , .

balance rollover this will close your other super account. this amount:
Transfer from fund details (if transferring from a second fund)
FROM (transferring) Fund name

Membership or account number Fund phone number Australian business number (ABN)

Unique Superannuation Identifier (USI) (not required for SMSF transfers) For SMSF transfers only Electronic Service Address (ESA)

Whole or partial Whole balance – Partial – transfer $ , , .

balance rollover this will close your other super account. this amount:
Transfer from fund details (if transferring from a third fund)
FROM (transferring) Fund name

Membership or account number Fund phone number Australian business number (ABN)

Unique Superannuation Identifier (USI) (not required for SMSF transfers) For SMSF transfers only Electronic Service Address (ESA)

Whole or partial Whole balance – Partial – transfer $ , , .

balance rollover this will close your other super account. this amount:

TO (receiving) CBUS SUPER

Fund name
Membership or
account number
Fund phone number 1 3 0 0 3 6 1 7 8 4
Australian business Unique Superannuation
number (ABN) 75 493 363 262 Identifier (USI) CBU0100AU

Step 5: Sign and date this form

By signing this request form I confirm: – I request a transfer of super as described above and authorise the
¡ I have fully read this form and the information completed is true and correct. provider of each fund to action this transfer.
¡ I have read and understand the important information I need to consider ¡ If I return this form by email, I acknowledge and declare that I have read
when transferring my super (see page 2). and accepted the terms and conditions of the Combine your super into
¡ I have considered where my future employer contributions will be paid. Cbus Super form and I acknowledge that if I have not applied my physical or
¡ If I have provided it, I consent to my tax file number being disclosed for the electronic signature:
purposes of consolidating my account. – If Cbus Super is satisfied that this is a genuine application, Cbus Super
¡ If I have provided the details of other super accounts I want to transfer into will process the request, including making a payment from my account if I
Cbus Super: have requested one.
– I’m aware I can ask my other super fund/s for information about any fees – In some cases, Cbus Super may request more information to be satisfied
or charges that may apply, or any other information about the impact this this is a genuine application.
transfer may have on my benefits, and I’ve obtained or do not require any
further information. Privacy
– I understand that the other super fund will no longer have any liability for Refer to our Privacy Policy and Personal Information Collection Statement at
my account once it’s transferred to Cbus Super. cbussuper.com.au/privacy for details about how we collect and disclose
– I understand that any insurance I have with my other super fund will stop personal information or call 1300 361 784 for a copy.
and if I have applied to transfer this insurance cover to Cbus Super, I have
waited for the insurer to accept my application before submitting this form.

Sign here: Date

D D / M M / 2 0 Y Y

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 4 of 4 1500.0 08-23 ISS7
 Specialist Fund of the Year, again and again
3
We are proud to have received the
Chant West Specialist Fund of the Year award
yet again, and for the fourth year running.

Please visit cbussuper.com.au/awards for details of these and our many other awards.

The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating
(assigned January 2023) is limited to General Advice only and has been prepared without considering
your objectives or financial situation, including target markets where applicable. The rating is not a
recommendation to purchase, sell or hold any product and is subject to change at any time without
notice. You should seek independent advice and consider the PDS or offer document before making
any investment decisions. Ratings have been assigned based on third party data. Liability is not
accepted, whether direct or indirect, from use of the rating. Past performance is not an indication of
future performance. Refer to chantwest.com.au for full ratings information and FSG. Chant West
Awards issued 17 May 2023 are solely statements of opinion and not a recommendation in relation
to making any investment decisions. Awards are current for 12 months and subject to change at any
time. Awards for previous years are for historical purposes only. Full details on Chant West Awards at
chantwest.com.au/fund-awards/about-the-awards.

Contact us
1300 361 784 8am to 8pm (AEST/AEDT)
Monday to Friday, closed on national public holidays

[email protected]
cbussuper.com.au
Log in to chat to us online

Cbus Super, Locked Bag 5056

PARRAMATTA NSW 2124

Visit us in person in Adelaide, Brisbane,

Melbourne, Perth and Sydney.
Details: cbussuper.com.au/contact