^Estimated total retirement income in year one of $28,530, comprising of $3,978 from the Cbus Super Income Stream account and $24,552 from the Government Age Pension. According to ASFA (a super industry expert), a single person needs around $28,179 a year to live a modest lifestyle in retirement (e.g. basic activities). For further information, see ASFA retirement standard: ASFA - Australia’s superannuation industry - ASFA The income from the Cbus Super Income Stream and Age Pension is projected to increase by 3.5% pa, to cater for inflation and increase in living standards. The income from the Cbus Super Income Stream is projected to last until age 90. The Government Age Pension entitlement is based on current Centrelink income rates using the following assumptions: Single person, homeowner, $25,000 in personal assets. Account-Based Pension investment return of 5.25% p.a. after fees and taxes. Administration fee of $104, with 0.19% asset-based administration fee. Calculated using the Cbus Retirement Income Estimate Calculator as at 07/04/2021. The amount of income you receive and how long it will last will depend on a range of factors, such as the amount initially invested, your age and investment performance. There is a risk that your pension income may reduce or cease if you draw your income too fast or if investment returns are poor.

The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved.

©Zenith CW Pty Ltd ABN 20639121403 (Chant West), AR of Zenith Investment Partners Pty Ltd ABN 27103132672, AFSL 226872/ AFS Rep No. 1280401. Criteria used by Chant West to judge its awards is subjective and has been determined based on data supplied by third parties. While such information is believed to be accurate, we do not accept responsibility for inaccuracies in such data. We do not make any representation or give any guarantee or assurance as to the performance or success of any financial product based on the subjective ratings provided. Past performance is not a reliable indicator of future performance. The Chant West awards do not constitute financial product advice, however, to extent the awards are considered to be advice, it is General Advice only and does not take into account your objectives, financial situation or needs, including target markets of financial products, where applicable. You should consider the suitability of any advice against your personal circumstances. Awards may not be reproduced, modified or distributed. Except for any liability which cannot be excluded, we do not accept any liability whether direct or indirect, arising from use of the awards. Awards displayed for previous years are for historical purposes only. Full details regarding the awards and our FSG are available at www.chantwest.com.au.

The Canstar 2021 Outstanding Value Account Based Pension Award was received in September 2021 for the Cbus Super Income Stream product

Cbus Trustee: United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 Cbus ABN 75 493 363 262.

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This information is about Cbus. It doesn’t take into account your specific needs, so you should look at your own financial position, objectives and requirements before making any financial decisions. Read the relevant Cbus Product Disclosure Statement and Target Market Determination to decide whether Cbus is right for you. Contact 1300 361 784 or visit cbussuper.com.au for a copy.

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