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Outlook
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Aspire 1
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Aspire 2
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Focus 1
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Focus 2
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Focus 3
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Sustain 1
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Sustain 2

Lifetime Aspire 2

outlook

If you are between 40 and 49 years old and have a Lifetime balance of $50,000 or more, we will invest your money in Aspire 2.1 This option is designed for medium to long-term investors who want exposure to investment groups that will potentially give higher returns.

Objective

CPI +4.0% p.a.

An annual return of CPI +4.0% (after fees and tax), measured over rolling 10-year periods.

Timeframe

10 years

Suited to investors with a minimum recommended investment timeframe of 10 years.

Total fee2

0.79% p.a.

Total fee includes administration fees (0.16%), investment fees and indirect cost ratio. View detailed fee breakdown

Risk level

Very low
Low
Low to medium
Medium
Medium to high
High
Very High
Medium to high

You need to keep in mind that with Aspire 2, a negative annual return is expected between three and four times in every 20 years. Read more about the standard risk measure.


Performance

As at 31 December 2019 (updated monthly)
Account 1 month 3 months 1 year 3 years p.a. 5 years p.a. 7 years p.a. 10 years p.a.
Accumulation -0.90% 0.18% 15.17% 9.26% 8.01% n/a n/a
Past performance is not a reliable indicator of future performance.3

Asset allocation

As at 30 September 2019 (updated quarterly)
Assets Allocation 4 Ranges 5
Cash 4.5% 0 - 20%
Fixed interest^ 40.0% 10 - 60%
Real estate 6.1% 0 - 25%
Equities* 30.9% 5 - 50%
Infrastructure 12.7% 0 - 25%
Commodities 1.2% 0 - 20%
Alternative assets 4.6% 0 - 30%
* Equities includes Australian Shares (5.9%), International Shares (19.7%) and Private Equity (5.3%).

Shareholdings

As at 30 September 2019 (updated quarterly)

Australian shares - top 10 by value

International shares - top 10 by value

View Aspire 2 Dashboard

1. Default option for members with an Accumulation account who have not made an investment choice.
2. This figure comprises of the investment fee and indirect cost ratio which are based on the fees and costs for the financial year ended 30 June 2019, and the administration fee. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared and may differ from future fees and costs. Other fees may apply.
3. For periods greater than one year, the return is a compound annualised return, net of fees and tax.
4. These figures have been rounded for member reporting.
5. QSuper has the flexibility to invest within these predetermined ranges.

^ In the Lifetime option and Diversified options these assets provide diversification, a hedge against inflation and target yield enhancement. This asset class is also referred to as bonds.