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Lifetime
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Diversified and Single Sector
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Self Invest
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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 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.

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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

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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 0.81% p.a. 6.37% Medium to high
Lifetime Aspire 1 40-49 Less than $50,000 More than 10 years 0.72% p.a. 6.54% Medium to high
Lifetime Aspire 2 40-49 $50,000 or more More than 10 years 0.72% p.a. 6.33% Medium to high
Lifetime Focus 1 50-57 Less than $100,000 More than 5 years 0.63% p.a. 5.99% Medium to high
Lifetime Focus 2 50-57 $100,000 to less than $250,000 More than 5 years 0.63% p.a. 5.62% Medium to high
Lifetime Focus 3 50-57 $250,000 or more More than 5 years 0.63% p.a. 5.24% Medium to high
Lifetime Sustain 1 58 or over Less than $300,000 More than 2 years 0.47% p.a. 4.13% Low to medium
Lifetime Sustain 2 58 or over $300,000 or more More than 2 years 0.47% p.a. 2.96% 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 0.47% p.a. 5.31% Low
Balanced investment option icon Balanced More than 5 years 0.70% p.a. 8.04% Medium
socially responsible investment option icon Socially Responsible More than 5 years 0.49% p.a. 6.51% Medium to high
Aggressive investment option icon Aggressive More than 10 years 0.78% 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 0.57% p.a. 4.82% Medium
investment option icon International Shares
 More than 10 years 0.26% p.a. 10.35% Very High
investment option icon Australian Shares More than 10 years 0.24% p.a. 7.82% Very High

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.

Choose super investment

Advice to help you decide

In just 10-15 minutes, you can get personal financial advice about a range of different investment options for your goals as a QSuper member. Not yet a member? Join now

Get advice

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 2021. 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.