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Lifetime

Diversified and Single Sector

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
Outlook	Under 40	Any balance	More than 10 years	0.81% p.a.	8.36%	Medium to high
Aspire 1	40-49	Less than $50,000	More than 10 years	0.72% p.a.	8.59%	Medium to high
Aspire 2	40-49	$50,000 or more	More than 10 years	0.72% p.a.	7.66%	Medium to high
Focus 1	50-57	Less than $100,000	More than 5 years	0.63% p.a.	7.61%	Medium to high
Focus 2	50-57	$100,000 to less than $250,000	More than 5 years	0.63% p.a.	6.94%	Medium to high
Focus 3	50-57	$250,000 or more	More than 5 years	0.63% p.a.	6.22%	Medium to high
Sustain 1	58 or over	Less than $300,000	More than 2 years	0.47% p.a.	5.04%	Low to medium
Sustain 2	58 or over	$300,000 or more	More than 2 years	0.47% p.a.	3.40%	Low

Diversified and Single Sector

More about these options

Investment options	Timeframe	Total fee²	10-year returns⁴	Risk
Diversified options
Moderate	More than 3 years	0.47% p.a.	5.39%	Low
Balanced	More than 5 years	0.70% p.a.	8.61%	Medium
Socially Responsible	More than 5 years	0.49% p.a.	7.38%	Medium to high
Aggressive	More than 10 years	0.78% p.a.	9.85%	Medium to high
Single Sector options
Cash	Less than 1 year	0.22% p.a.	1.76%	Very Low
Diversified Bonds	More than 3 years	0.65% p.a.	4.41%	Medium
International Shares	More than 10 years	0.26% p.a.	11.94%	Very High
Australian Shares	More than 10 years	0.24% p.a.	9.51%	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.

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.

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 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 2021 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.