This dashboard has information you need to know about QSuper Lifetime investment returns, fees and other costs, and levels of risk. You can use this dashboard to compare QSuper Lifetime to other MySuper products. For more information on picking the right MySuper fund for you, visit ASIC's Moneysmart website.

How we take care of your super

One of ART's MySuper products is QSuper Lifetime, a lifecycle investment option that changes your investments automatically based on your age and how much money you've invested in Lifetime.

Your account slowly moves from focusing on growth when you're younger or have a lower balance, to focusing on less risk as you approach retirement or have more super.

The information in this product dashboard is based on a member who has a $50,000 account balance invested in the Lifetime option.

More about our Lifetime option

Age: Under 456

Balance: Any balance


Return target (above inflation)1
4.84% p.a.

Returns2
(10 year average return to 30 June 2024)
7.08% p.a.

Level of investment risk4
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs5
$333

Comparison between return target and return3

Age: 45-496

Balance: Less than $100,000


Return target (above inflation)1
4.84% p.a.

Returns2
(10 year average return to 30 June 2024)
7.24% p.a.

Level of investment risk4
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs5
$333

Comparison between return target and return3

Age: 45-496

Balance: $100,000 or more


Return target (above inflation)1
4.31% p.a.

Returns2
(10 year average return to 30 June 2024)
6.28% p.a.

Level of investment risk4
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs5
$305

Comparison between return target and return3

Age: 50-596

Balance: Less than $150,000


Return target (above inflation)1
4.26% p.a.

Returns2
(10 year average return to 30 June 2024)
6.34% p.a.

Level of investment risk4
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs5
$306

Comparison between return target and return3

Age: 50-596

Balance: $150,000 to less than $450,000


Return target (above inflation)1
3.88% p.a.

Returns2
(10 year average return to 30 June 2024)
5.75% p.a.

Level of investment risk4
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs5
$287

Comparison between return target and return3

Age: 50-596

Balance: $450,000 or more


Return target (above inflation)1
3.49% p.a.

Returns2
(10 year average return to 30 June 2024)
5.11% p.a.

Level of investment risk4
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs5
$268

Comparison between return target and return3

Age: 60 and over6

Balance: Less than $200,000


Return target (above inflation)1
3.19% p.a.

Returns2
(10 year average return to 30 June 2024)
4.45% p.a.

Level of investment risk4
Medium to high. Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Statement of fees and other costs5
$259

Comparison between return target and return3, 7

Age: 60 and over6

Balance: $200,000 to less than $600,000


Return target (above inflation)1
2.98% p.a.

Returns2
(10 year average return to 30 June 2024)
3.19% p.a.

Level of investment risk4
Medium to high. Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Statement of fees and other costs5
$240

Comparison between return target and return3

Age: 60 and over6

Balance: $600,000 or more


Return target (above inflation)1
2.77% p.a.

Returns2
This Lifetime group commenced on 1 July 2024.

Level of investment risk4
Medium to high. Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Statement of fees and other costs5
$254

Comparison between return target and return3
Sustain 3 commenced on 1 July 2024

You'll love our award-winning super

...and there's so much more to enjoy

We're profit-for-members, which means we can give profits back to our 2.3 million members as lower fees and better services.

Super Ratings award
Graph icon

Close to $300 billion in retirement savings.

Value graph icon

2.3 million members and counting

Super you can trust. QSuper is part of Australian Retirement Trust, one of Australia's largest super funds.

Ready to sign up?

QSuper corporate logo
Make the investment of a Lifetime
Open a QSuper account today and have more confidence for the future. It's easy to apply online if you're eligible. Can I join?
ART corporate logo
Open one of our other accounts
Anyone can open our Super Savings account, which is another of our award-winning products at Australian Retirement Trust. Join ART

1. The return target is after admin fees and costs, investment fees and costs, transaction costs and investment taxes have been deducted, and is the mean annualised forward-looking estimate of the percentage rate of return above inflation (as measured by the Consumer Price Index) for a representative member. It's measured over 10 years to 1 July 2024. This is different to the investment objectives shown in the Product Disclosure Statements (PDS).

2. Return is after admin fees and costs, investment fees and costs, transaction costs and investment taxes for a representative member. Returns cover the period up to 28 February 2022 as QSuper and from date of merger up to 30 June 2024 as part of Australian Retirement Trust. The QSuper Lifetime group Sustain 3 commenced on 1 July 2024, so no returns were available. Past performance is not a reliable indicator of future performance.

3. Moving average return target represents the return target over a rolling 10-year period in annualised percentage terms that includes the change in the Consumer Price Index for the relevant years. The comparison between return target and return includes (where applicable) a return for each financial year, plus the 10-year average return. Because the QSuper Lifetime groups Sustain 1 and Sustain 2 commenced on 16 December 2013, and the QSuper Lifetime Groups Outlook, Aspire 1, Aspire 2, Focus 1, Focus 2, and Focus 3 commenced on 26 May 2014, we are only able to show the 10-year moving average return to 30 June 2024. QSuper Lifetime group Sustain 3 commenced on 1 July 2024, so no returns are available.

4. The standard risk measure (SRM) requires risk to be labelled in terms of the anticipated number of years of negative annual returns for the product over 20 years, with each number corresponding to a risk description that ranges from very low to very high. More information is in the explanation of terms used above and the QSuper Investment Guide (PDF).

5. Fees and other costs: The statement of fees and other costs is indicative based on the previous financial year, is subject to change, and will not necessarily be the amount of fees and costs that are incurred for a financial year by a particular member. This applies for a representative member who is defined as a member who is fully invested in the applicable Lifetime group for the entire financial year, who does not incur any activity fees during the year, and who has an account balance of $50,000 throughout that year. Excludes investment gains/losses on that $50,000 balance.

6. The ages at which members are invested in the Lifetime groups were updated at 1 July 2024. The updated ages are shown. See 'Changes to MySuper Lifetime from 1 July 2024' in the Important information and explanation of terms used section above for details of the change.

7. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022. This information has been prepared and issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 (Trustee), the trustee of Australian Retirement Trust ABN 60 905 115 063 (the Fund).