ART vs Cbus – These are two well known super funds – but do you know how they differ, or which could be the better fit for you? To make it easy, we’ve compared the key features of both funds side by side.
Cbus is an Industry super fund and is linked to the building, construction and allied industries. It is a fund with Open membership.
ART is an Industry super fund and is linked to no particular industry. It is a fund with Open membership.
ART vs Cbus: How do fees compare?
When comparing ART and Cbus, ART has annual percentage based fees, with a 0.9% investment based fee, compared to Cbus’s percentage based fees of 0.84% ART has a flat fee of 62.4, while Cbus has a flat fee of 78.
ART vs Cbus: How does performance compare?
| ART | Cbus | |
| Type of fund | Industry fund linked to no particular industry. | Industry fund linked to the building, construction and allied industries. |
| Members | 2 Million | 765K |
| Default Fees (Based on 50K) | $512.4 | $498 |
| Asset Allocation (MySuper option) | Australian Retirement Trust - Super Savings - Balanced: International Shares - 30% Australian Shares - 24% Alternative - 17% |
Cbus - Growth (MySuper) : International Shares - 25.5% Australian Shares - 22% Alternative - 28.5% |
| Performance (MySuper option)* | Australian Retirement Trust - Super Savings - Balanced: 1 Year: 8.79% 3 Year: 9.29% 5 Year: 6.88% |
Cbus - Growth (MySuper) : 1 Year: 7.87% 3 Year: 7.04% 5 Year: 6.05% |
| Product Disclosure Statement | ART Product Disclosure Statement | Cbus Product Disclosure Statement |
For a more comprehensive breakdown of perfomance see our ART Performance and Cbus Performance pages.
*Performance as at 31-08-2023.
How does ART and Cbus insurance compare?
Insurance is also an important factor to consider when looking at superannuation options, as some funds may also provide insurance cover – such as life cover and TPD insurance. Insurance fees will affect super balance, so ensuring you’re happy with the deal you have is vital. Based on ratings from Omnilife, ART received an insurance rating of 69, whilst Cbus received a 65 for its insurance options.
Interested in seeing how ART and Cbus compared to other popular super funds? Review My Super provides valuable insights on the best and worst performing super funds, so that you can make informed decisions on where you invest your money.
Review My Super can review every Super Fund in Australia and can help you understand what YOUR money is doing for YOU!