QSuper Lifetime

Super that adapts and grows with you

How QSuper Lifetime works

Lifetime is the only super investment option that automatically personalises your investment strategy based on your age and account balance, helping you get the most out of your super.

Compass

Suited to your life stage

When you’re younger and focussed on growing your balance, we’ll automatically put more emphasis on growth. When you’re nearing retirement, we’ll switch to a more stable strategy that protects your savings.

Graph Investment

Adapts to your balance

This option also considers your Lifetime account balance when setting your investment strategy. If you're nearing retirement with a low account balance, we'll make sure your super still has a chance to grow.

Graph Investment

A set and forget solution

Every 6 months, we'll assess your age and balance and, if needed, move your money to another Lifetime group. We take care of all that behind the scenes – which means you can rest easy.

Lifetime investment groups1

  • Lifetime

    Outlook (aged under 45)

    Outlook focuses on growth. It aims to maximise your returns while you're able to take on extra risk.

  • Lifetime

    Aspire (aged 45-49)

    Aspire focuses on growth. Depending on your Lifetime account balance, you'll have a higher-growth, higher-risk strategy, or a strategy that has less risk than a higher growth portfolio.

  • Lifetime

    Focus (aged 50-59)

    Focus changes your investment strategy towards helping protect your savings. Your investment group will depend on your Lifetime account balance.

  • Lifetime

    Sustain (aged 60 or over)

    Sustain protects your savings as you near retirement. If you have a low account balance, our aim is to still give your super a chance to grow.

Lifetime group Your age Lifetime balance Fees (p.a.) + admin fees and costs Risk
Under 45 Any balance 0.58%

High
45-49 Less than $100,000 0.57%
High
45-49 $100,000 or more 0.50%
High
50-59 Less than $150,000 0.49%
High
50-59 $150,000 to less than $450,000 0.46%
High
50-59 $450,000 or more 0.41%
High
60 or over Less than $200,000 0.37%
Medium to high
60 or over $200,000 to less than $600,000 0.32%
Medium to high
60 or over $600,000 or more 0.33%
Medium to high