• Personal
  • Employers
  • Advisers
  • Calculators & forms
  • News Hub
  • Contact us
QSuper QSuper
  • Products
    • Why QSuper
    • Investment options
    • Fees
    • Financial advice
    • Compare us
    • Insurance
    • Account types
      • Accumulation account
      • Retirement Income account
      • Transition to Retirement Income account
      Why QSuper?

      #1 fund for weathering market ups and downs3

      More reasons to join
  • Super
    • Grow your super
      • Salary sacrifice
      • Super co-contribution
      • Voluntary contributions
      • Spouse contributions
      • Contribution caps
      • Tax deductions
    • Consolidate your super
    • Find your lost super
    • Changing jobs
    • Nominate beneficiaries
    • Early access
    • Seminars and education
  • Retirement
    • Why retire with QSuper
    • How much super do you need to retire
    • Retirement planning
      • Make your super last in retirement
      • The Age Pension and Super
    • Retirement Income account
    • Access your super
      • When can you access your super
      • Withdraw your super
    • Transition to retirement strategy
    • Seminars
      Award winning

      SuperRatings' Pension of the Year three years in a row4

      Find out more
  • Investments
    • Investment options
      • Lifetime
      • Moderate
      • Balanced
      • Socially Responsible
      • Aggressive
      • Cash
      • Diversified Bonds
      • Australian Shares
      • International Shares
      • Self Invest
    • Performance
      • Overview
      • Graphs
      • Unit prices
    • Compare options
    • Change your investment options
  • Insurance
    • Insurance options
      • Income protection
      • Total & permanent disability cover
      • Death cover
    • How much insurance cover do you need
    • Change or cancel your insurance
    • Make an insurance claim
  • Advice
  • Calculators & forms
  • News Hub
  • Contact us
Join
  • Call
Join Log In - Open navigation
Member Online

Forgot username?
Forgot password?
Register

Navigation

QSuper
  • Personal
  • Employers
  • Advisers
  • Search
  • Join Log In
  • Products Expand
    • Why QSuper
    • Investment options
    • Insurance
    • Fees
    • Financial advice
    • Account types Expand
      • Accumulation account
      • Retirement Income account
      • Transition to Retirement Income account
    • Compare us
  • Super Expand
    • Consolidate your super
    • Grow your super Expand
      • Salary sacrifice
      • Super co-contribution
      • Voluntary contributions
      • Spouse contributions
      • Contribution caps
      • Tax deductions
    • Find your lost super
    • Changing jobs
    • Nominate beneficiaries
    • Early access
    • Seminars and education
  • Retirement Expand
    • Why retire with QSuper
    • How much super do you need to retire
    • Retirement planning Expand
      • Make your super last in retirement
      • The Age Pension and Super
    • Access your super Expand
      • When can you access your super
      • Withdraw your super
    • Transition to retirement strategy
    • Retirement Income account
    • Seminars
  • Investments Expand
    • Performance Expand
      • Overview
      • Graphs
      • Unit prices
    • Investment options Expand
      • Lifetime
      • Moderate
      • Balanced
      • Socially Responsible
      • Aggressive
      • Cash
      • Diversified Bonds
      • Australian Shares
      • International Shares
      • Self Invest
    • Compare options
    • Change your investment options
  • Insurance Expand
    • Insurance options Expand
      • Income protection
      • Total & permanent disability cover
      • Death cover
    • How much insurance cover do you need
    • Change or cancel your insurance
    • Make an insurance claim
  • Advice
  • Your account Expand
    • Online Advice
    • Super Expand
      • Consolidate
      • Investments
      • Add to super
      • Insurance
      • Account history & statements
    • Profile Expand
      • Security and Authorities
      • Employer
      • Employer
      • Personal details
      • Beneficiaries
    • Self Invest
  • Calculators & forms Expand
    • Superannuation & Retirement Calculators Expand
      • Retirement planning
      • Insurance
      • Maximise your super
      • Savings
      • Investing
    • Forms Expand
      • All
      • Claims and withdrawals
      • Deposits and contributions
      • Insurance
      • Investments
      • Transfers
      • Other forms
    • Publications Expand
      • PDS
      • Guides
      • Annual reports
      • Factsheets
      • Other publications
  • News Hub Expand
    • Category Expand
      • News
      • Superannuation
      • Retirement
      • Finances
      • Investments
      • Career
      • Wellbeing
      • Employer
  • Contact us Expand
    • Email QSuper
    • Language assistance
    • Browser support
    • Formal enquiries and complaints
    • FAQs – Frequently Asked Questions
    • QSuper Member Centres

Compare options

Choose the right investment option for you

Untitled-4

Lifetime

Untitled-4

Diversified and Single Sector

Untitled-4

Self Invest

compare

Compare

Untitled-4

Switch investments


2 icons

Lifetime

Default
Let us manage your investments

Lifetime is a unique investment option that automatically personalises your investment strategy based on your age and account balance, helping you get the most out of your super, at every stage of your life.1

Total fee:2 0.42% - 0.74% p.a. of your balance depending on your Lifetime group.

Find out more
2 icons

Diversified and Single Sector

Take some control

Choose from a range of investment options that are aligned to your goals.

Diversified options:
Moderate, Balanced, Socially Responsible or Aggressive

Single sector options:
Cash, Diversified Bonds, International Shares or Australian Shares

Total fee:2 0.22% - 0.69% p.a.

Find out more
2 icons

Self Invest

Make all the decisions

Take full control of where your super is invested. You can invest in:

  • S&P/ASX 300 shares
  • Exchange traded funds (EFTs)
  • Term deposits

Fees:3 $299 p.a. + 0.16% p.a. + brokerage fees

Find out more

Lifetime groups

More about this option

Investment options Your age Lifetime balance Timeframe Total fee2 5-year returns4 Risk
Lifetime Outlook Under 40 Any balance More than 10 years 0.74% p.a. 6.37% Medium to high
Lifetime Aspire 1 40-49 Less than $50,000 More than 10 years 0.63% p.a. 6.54% Medium to high
Lifetime Aspire 2 40-49 $50,000 or more More than 10 years 0.63% p.a. 6.33% Medium to high
Lifetime Focus 1 50-57 Less than $100,000 More than 5 years 0.55% p.a. 5.99% Medium to high
Lifetime Focus 2 50-57 $100,000 to less than $250,000 More than 5 years 0.55% p.a. 5.62% Medium to high
Lifetime Focus 3 50-57 $250,000 or more More than 5 years 0.55% p.a. 5.24% Medium to high
Lifetime Sustain 1 58 or over Less than $300,000 More than 2 years 0.42% p.a. 4.13% Low to medium
Lifetime Sustain 2 58 or over $300,000 or more More than 2 years 0.42% p.a. 2.96% Very low

Diversified and Single Sector

More about these options

Investment options Timeframe Total fee2 10-year returns4 Risk

Diversified options

Moderate investment option icon Moderate More than 3 years 0.44% p.a. 5.31% Low
Balanced investment option icon Balanced More than 5 years 0.64% p.a. 8.04% Medium
socially responsible investment option icon Socially Responsible More than 5 years 0.45% p.a. 6.51% Medium to high
Aggressive investment option icon Aggressive More than 10 years 0.69% p.a. 9.21% Medium to high

Single Sector options

Cash investment option icon Cash Less than 1 year 0.22% p.a. 2.17% Very Low
Bonds investment option icon Diversified Bonds More than 3 years 0.51% p.a. 4.82% Low to Medium
investment option icon International Shares
More than 10 years 0.24% p.a. 10.35% Very High
investment option icon Australian Shares More than 10 years 0.23% p.a. 7.82% Very High

1. For Accumulation accounts only.
2. Our total fee includes administration fees, investment fees and indirect cost and is based on fees and costs for the financial year ended 30 June 2020. Other fees and costs may apply.
3. Other fees and costs may apply.
4. Past performance is not a reliable indicator of future performance. This is the compound annualised return, net of fees and tax, as at 30 June 2020 for the Accumulation account only. Please note for the Lifetime option, returns are available for Sustain 2 from 8 April 2013, Sustain 1 from 16 December 2013, and for Outlook, Aspire 1, Aspire 2, Focus 1, Focus 2 and Focus 3 from 26 May 2014, so 10-year returns are not available.

  • Our products
    • Why QSuper?
    • Investment options
    • Fees
    • Insurance
    • Financial advice
  • Super & retirement
    • How much do you need?
    • Grow your super
    • Consolidate
    • Changing jobs
    • Seminars
    • Access your super
  • Investments
    • Performance
    • Unit prices
    • Graphs
    • Compare options
  • Calculators & Forms
    • Calculators
    • Forms
    • Publications
  • Contact us
    • 1300 360 750
      Mon-Fri   8.00am to 6.00pm AEST
  • About us
  • Careers
  • Sitemap
  • Privacy
  • Security
  • Disclaimer
  • Terms and conditions
  • Disclosure
© QSuper Board
2020 awards
Facebook Twitter LinkedIn YouTube