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QSuper investment options

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Lifetime

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Let us manage your investments

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

Total fee:2 0.47% - 0.81% p.a. of your balance depending on your Lifetime group.

Find out more
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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% - 0.78% p.a.

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Self Invest

Make all the decisions

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

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

Find out more about fees
Find out more about Self Invest

You can check your current investment options in Member Online or our app.

Let us take care of your super

We know that many people just want the peace of mind of knowing their investment strategy is in the hands of someone they can trust.

That's why we offer a default investment option called Lifetime.

Lifetime personalises your investment strategy for every stage of your life. Every 6 months, we assess your age and Lifetime account balance so you don't need to worry about making adjustments to your super as your circumstances change.

Choose your own investment strategy

If you want to have more control over your super, you can choose from a range of our Diversified and Single Sector or Self Invest investment options. When making an investment choice, make sure you consider:

  • How long your money will be invested for
  • The level of risk you can, or should, take to achieve your goals
  • How involved you want to be in managing your super.

When it comes to choosing the best super investment strategy for your needs, getting some professional guidance can help.

Choosing your investment options

Watch this video to learn more about our investment options, what they're invested in, and how to choose which ones are right for you.

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Want help deciding?

In just 10 minutes, you can use our online tool to check which investment options could be right for you.

Get started
 

The QSuper difference

Your super is likely to be one of the biggest investments of your life. We understand that, and with more than one hundred years of experience, you can have the confidence to enjoy today, knowing we're working hard to look after your retirement savings.

Focused on strong performance

Our unique superannuation investment approach aims to provide strong returns over the long term, with fewer ups and downs along the way.
Our size offers opportunity

As part of Australian Retirement Trust, one of Australia's largest super funds, we have access to assets that are not available to individuals, self-managed super funds (SMSFs), and even other super funds.

Lower fees to maximise your savings

Our administration and investment management fees are among the lowest of any super product in Australia.4

Learn what else to consider when finding the best super fund in Australia.

Why QSuper?

Profit for members

Being part of a profit-for-members fund means you can be sure we're working for members, not shareholders.

Award-winning

Our Accumulation account has received SuperRatings' Platinum Performance rating 15 years for value for money.5

More great opportunities

As part of Australian Retirement Trust, one of the largest super funds in the country, we aim to use our scale to return profits to our members as lower fees and better services.

100 years strong

We're proud to help more than 620,000 of our members feel good about their future.

Need help deciding?

In just 10-15 minutes, you can get financial advice online about a range of different investment options for your goals as a QSuper member.

Get advice

1. For Accumulation accounts only.
2. Our total fee includes administration fees (including a Trustee fee paid from the general reserves), investment fees, and indirect cost ratio, and may change in the future.
3. This fee covers the access fee and administration fee. Other fees apply for each ETF, and brokerage fees apply for trading.
4. Chant West Super Fund Survey, March 2021. The Chant West data is based on information provided by third parties that is believed to be accurate. Chant West does not issue, sell, guarantee or underwrite this product. The findings are based on account balances of $25,000 and $50,000. Only administration and investments fees and costs are covered. Fees are gross of income tax. Go to chantwest.com.au for further information about the methodology used and Chant West's Financial Services Guide. For the QSuper investment options: Lifetime option Focus 1, Aggressive, Balanced, and Moderate. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. As the fee structure of the product remains the same, this ranking still applies.
5. 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. © 2021 SuperRatings. All rights reserved. This rating was received before QSuper became part of Australian Retirement Trust on 28 February 2022. The QSuper products that have received this rating have kept the same key features post-merger.