A focus on long-term performance
Money magazine’s Best Retirement Innovator 20232
Super that adapts and grows with you
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.
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.
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.
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.
Outlook focuses on growth and aims to maximise your returns while you're still in a
life stage where
you can take on extra risk.
Aspire focuses on growth, but depending on your Lifetime account balance, will have a
or conservative investment strategy.
Focus changes your investment strategy away from growth and more towards protecting
savings, based on your Lifetime account balance.
Sustain protects your savings as you near retirement. If you have a low account
our aim is to
still give your super a chance to grow.
If you're eligible to open a QSuper account, our wide range of products and investment options is just one way you'll benefit.
1. Aspire has two groups Aspire 1 and Aspire 2. Focus has 3 groups Focus 1,
Focus 2 and Focus 3. Sustain has two groups Sustain 1 and Sustain 2. The groups are differentiated on
balance and objective. Please refer to the QSuper Product Disclosure Statement for Accumulation Account (pdf) for more information.
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 0.07% to 0.18% for performance fees. Read the Product Disclosure Statement for Accumulation Account (pdf) for full details.