Information about Accumulate Plus is provided in a Member Guide, also known as a product disclosure statement (PDS), as well as Reference Guides (RGs), which contain additional important information about some topics. Reference Guides form part of, and should be read together with, the Member Guide/PDS.

You should also check if any Update Notices have been issued in relation to the Accumulate Plus documents below since the date they were issued. 

• Member Guide (PDS) for Accumulate Plus – In-service (1 July 2023) (PDF 0.2MB)

• Member Guide (PDS) for Accumulate Plus – Spouse/Retained (1 July 2023) (PDF 0.2MB)

• RG: Contributing to your super (17 October 2023) (PDF 0.8MB)

• RG: Investments (1 July 2023) (PDF 0.3MB)

• RG: Fees and other costs (1 July 2023) (PDF 0.2MB)

• RG: Insurance cover (Death & TPD) (1 July 2023) (PDF 0.2MB)

• RG: Insurance cover (Salary Continuance) (1 July 2023) (PDF 0.2MB)

• RG: Death benefits (1 July 2023) - includes information on nominating beneficiaries (PDF 0.2MB)

• RG: How super is taxed (1 July 2023) (PDF 0.6MB)

• RG: General information (1 July 2023) (PDF 0.1MB)

• RG: Withdrawing your super (1 July 2023) (PDF 0.3MB)

Information about Retirement Access is provided in a Member Guide, also known as a product disclosure statement (PDS), as well as Reference Guides (RGs), which contain additional important information about some topics. Reference Guides form part of, and should be read together with, the Member Guide/PDS. 

You should also check if any Update Notices have been issued in relation to the Retirement Access documents below since the date they were issued. 

• Member Guide (PDS) for Retirement Access (1 July 2023) (PDF 0.6MB)

• RG: Investments (1 July 2023) (PDF 0.3MB)

• RG: Withdrawing your super (1 July 2023) (PDF 0.3MB)

• RG: Death benefits (1 July 2023) - includes information on nominating beneficiaries (PDF 0.2MB)

• RG: How super is taxed (1 July 2023) (PDF 0.6MB)

• RG: General information (1 July 2023) (PDF 0.1MB)

Note: A separate RG is not provided for 'Fees and other costs' in Retirement Access – all fees and costs information is contained in the Member Guide (PDS).

Information about Defined Benefit divisions is provided in a Member Booklet. Benefits are different for each division, so please take care to refer to the booklet that relates to you. You should also check if any update notices have been issued for Defined Benefit divisions.

If you are not sure which division you belong to, these overviews may help. 

• Member Booklet for Division B (7 Nov 2013)

• Member Booklet for Division C (7 Nov 2013) – the PDS for Division C Retirement Pension (11 Nov 2021) will also be relevant to you if you're considering taking your Division C retirement benefits as a pension 

• Member Booklet for Division D (7 Nov 2013)

• Member Booklet for Division E (7 Nov 2013)

• Member Booklet for Division CF (7 Nov 2013) – the PDS for Division CF Deferred Retirement Pension (11 Nov 2021) will also apply to you if you're a Deferred Member of Division CF and considering beginning your retirement pension

• DB Supplement: Investment & fees (1 July 2023) – this Supplement applies only to in-service (employee) members of Division CB, CC, CD, CE, CF, CH, CN or CO who have accumulation-style accounts that are eligible for investment choice

• Significant Event Notice booklet for Division B, C, D, E, CB, CC, CD, CE, CF, CN, and CO (excluding current lifetime pensions) – Group Super merger with Australian Retirement Trust (September 2023)

• Significant Event Notice for Division B UK lifetime pension members aged 65 or older (employed by the Commonwealth Bank of Australia London Office before 1990) – Group Super transfer to Commonwealth Bank of Australia (UK) Staff Benefits Scheme and Australian Retirement Trust (22 July 2024)

• Significant Event Notice for Division B UK lifetime pension members under age 65 (employed by the Commonwealth Bank of Australia London Office before 1990) – Group Super transfer to Commonwealth Bank of Australia (UK) Staff Benefits Scheme and Australian Retirement Trust (25 July 2024)

• Significant Event Notice for Defined Benefit lifetime pension members (excluding certain Division B UK lifetime pension members) (20 September 2024)

Please contact us for a copy of the member booklet for Divisions CB, CC, CD, CE, CH, CK, CM, CN or CO.