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Lifetime
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Diversified and Single Sector
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The QSuper Socially Responsible option failed the annual performance test run by APRA at 30 June 2023. Learn more

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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

Cost of product for $50,000:2
$285 - $465 p.a. 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

Cost of product for $50,000:2
$140 - $460 p.a.

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Lifetime groups

More about this option

Investment options Your age Lifetime balance Timeframe Cost of product for $50,0002 5-year returns3 Risk
Lifetime Outlook Under 40 Any balance More than 10 years $465 p.a. 5.30% High
Lifetime Aspire 1 40-49 Less than $50,000 More than 10 years $450 p.a. 5.51% High
Lifetime Aspire 2 40-49 $50,000 or more More than 10 years $415 p.a. 4.69% Medium to High
Lifetime Focus 1 50-57 Less than $100,000 More than 5 years $400 p.a. 4.92% Medium to High
Lifetime Focus 2 50-57 $100,000 to less than $250,000 More than 5 years $375 p.a. 4.44% Medium
Lifetime Focus 3 50-57 $250,000 or more More than 5 years $350 p.a. 4.12% Medium
Lifetime Sustain 1 58 or over Less than $300,000 More than 2 years $320 p.a. 3.48% Medium
Lifetime Sustain 2 58 or over $300,000 or more More than 2 years $285 p.a. 2.31% Low to Medium

Diversified and Single Sector

More about these options

Investment options Timeframe Cost of product for $50,0002 10-year returns3 Risk

Diversified options
Moderate investment option icon Moderate More than 3 years $305 p.a. 4.40% Low to Medium
Balanced investment option icon Balanced More than 5 years $450 p.a. 6.99% Medium to High
socially responsible investment option icon Socially Responsible More than 5 years $425 p.a. 5.19% High
Aggressive investment option icon Aggressive More than 10 years $460 p.a. 7.87% High

Single Sector options
Cash investment option icon Cash Less than 1 year $140 p.a. 1.39% Very Low
Bonds investment option icon Diversified Bonds More than 3 years $325 p.a. 2.21% Low to Medium
investment option icon International Shares
 More than 10 years $155 p.a. 9.78% Very High
investment option icon Australian Shares More than 10 years $155 p.a. 8.66% Very High

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 QSuper account.

Get advice

1. For Accumulation accounts only.
2. Cost of product is a summary of ongoing fees and costs that can affect your super investment over 1 year. The cost of product assumes a balance of $50,000 at the beginning of the year, and is based on fees and costs for the year ended 30 June 2023. Other fees and costs may apply. If you have insurance, premiums will apply. Investment fees and costs includes an amount of 0.00% to 0.29% for performance fees. Read the Product Disclosure Statement for Accumulation Account (PDS) for full details.
3. Past performance is not a reliable indicator of future performance. This is the compound annualised return, net of fees and costs, and tax, as at 30 June 2023 for the Accumulation account only. Please note for the Lifetime option, returns are available for Sustain from 16 December 2013, and for Outlook, Aspire, and Focus from 26 May 2014, so 10-year returns are not available.