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.

Download the MySuper dashboard to see how it works for a member who has a $50,000 account balance invested 100% in the Lifetime option.

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Important information and explanation of terms used

Changes to MySuper Lifetime from 1 July 2024

We made some changes to how MySuper Lifetime works from 1 July 2024, as shown below. The information in this dashboard is based on the new design.

	Age and Lifetime account balance
Lifetime group	Before the change, age and balance	After the change, age and balance
Outlook	Under 40, any balance	Under 45, any balance
Aspire 1	40-49, less than $50k	45-49, less than $100k
Aspire 2	40-49, $50k or more	45-49, $100k or more
Focus 1	50-57, less than $100k	50-59, less than $150k
Focus 2	50-57, $100k to less than $250k	50-59, $150k to less than $450k
Focus 3	50-57, $250k or more	50-59, $450k or more
Sustain 1	58 or over, less than $300k	60 or over, less than $200k
Sustain 2	58 or over, $300k or more	60 or over, $200k to less than $600k
Sustain 3	-	60 or over, $600k or more

Member age
How old you will be when we automatically invest you in this Lifetime group.

Lifetime balance
The amount of super you have in the Lifetime investment option. It doesn't include super you might have in other QSuper investment options.

Representative member
A representative member is a member who is fully invested in QSuper Lifetime, does not incur any activity fees during the year, and has an account balance of $50,000 throughout that year.

Return target
This is an estimated, forward-looking target for the expected investment returns above CPI (inflation) over a 10-year period. This target is expected after any relevant tax and fees and costs.

Return
The 10-year average investment return for each Lifetime group to 30 June 2024. Returns shown are after admin fees and costs, investment fees and costs, transaction costs, and investment taxes.

Find out more about our performance.

Comparison between return target and return
The difference between the return target and the investment return actually received.

Level of investment risk
There are risks in any kind of investing. We explain the level of investment risk using the Standard Risk Measure.

Find out more about investment risk.

Standard risk measure (SRM)
The standard risk measure is used across super funds to help members compare the risk levels of different investment options and different super funds generally.

The SRM is a guide to the likely number of negative annual returns you can expect over any 20-year period. Find out more.

Explanation of standard risk measure (SRM) levels

Very low

Investors should be aware that a negative annual return is expected less than 0.5 times in any 20 years.

Low

Investors should be aware that a negative annual return is expected between 0.5 and less than 1 time in any 20 years.

There's a risk that your investment returns may not be high enough to keep up with inflation.

Low to medium

Investors should be aware that a negative annual return is expected between 1 and less than 2 times in any 20 years.

Medium

Investors should be aware that a negative annual return is expected between 2 and and less than 3 times in any 20 years.

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.

Balancing the risk that your super balance could be reduced by volatility, with the risk that your investment returns may not be high enough to keep up with inflation.

High

Investors should be aware that a negative annual return is expected between 4 to less than 6 times in any 20 years.

Very high

Investors should be aware that a negative annual return is expected 6 or more times in any 20 years.

There's a risk that your super balance could be reduced by investment markets going up and down (volatility).

Statement of fees and other costs
This shows you the total fees and costs you could expect to pay for this investment option, based on a balance of $50,000.

Find out more about our fees.

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Footnotes Show content

1. Awards and ratings are only one factor for you to think about when deciding to invest. Past performance is not a reliable indicator of future performance.