QSuper Lifetime

Super that adapts and grows with you

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Lifetime
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Diversified & asset classes
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How QSuper Lifetime works

Lifetime 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.

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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.

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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 aims to help protect 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 Investment fees and costs and transaction costs (p.a.)  Risk
OutlookOutlook
 Under 45 Any balance 0.50%
High
Aspire1Aspire 1
 45-49 Less than $100,000 0.49%
High
Aspire2Aspire 2
 45-49 $100,000 or more 0.44%
High
Focus1Focus 1
 50-59 Less than $150,000 0.43%
High
Focus2Focus 2
 50-59 $150,000 to less than $450,000 0.39%
Medium to high
Focus3Focus 3
 50-59 $450,000 or more 0.37%
Medium to High
Sustain1Sustain 1
 60 or over Less than $200,000 0.33%
Medium to high
Sustain2Sustain 2
 60 or over $200,000 to less than $600,000 0.31%
Medium to high
Sustain2Sustain 3
 60 or over $600,000 or more 0.34%
Medium             

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If you're eligible to open a QSuper account, our wide range of products and investment options is just one way you'll benefit.

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1. Aspire has two groups Aspire 1 and Aspire 2. Focus has three groups Focus 1, Focus 2 and Focus 3. Sustain has three groups Sustain 1, Sustain 2 and Sustain 3. The groups are differentiated on balance and objective. Please refer to the QSuper QSuper Product Disclosure Statement for Accumulation Account (pdf) for more information.