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

How we take care of your super

QSuper Lifetime is a lifecycle product that does the hard work for you when it comes to investing. It has 8 different groups based on your age and how much money you have in the Lifetime investment option, with a different investment strategy, return target, and risk level in each group.

Your account moves automatically from investing in more growth assets when you are younger and/or have a lower balance, to more defensive assets as you approach retirement and/or have more super saved up.

The information in this product dashboard is based on an account balance of $50,000.

Find out more

Age: Under 40

Balance: Any balance


Return target1
CPI + 2.7% p.a.

Annual returns2
2014-15: 13.71%
2015-16: 6.53%
2016-17: 9.79%
2017-18: 6.40%
2018-19: 10.71%
2019-20: -1.14%
2020-21: 16.87%

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

Statement of fees and other costs4
$405

Comparison between return target and return3

Age: 40-49

Balance: Less than $50,000


Return target1
CPI + 2.7% p.a.

Annual returns2
2014-15: 13.75%
2015-16: 6.63%
2016-17: 9.93%
2017-18: 6.53%
2018-19: 10.90%
2019-20: -0.87%
2020-21: 17.28%

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

Statement of fees and other costs4
$360

Comparison between return target and return3

Age: 40-49

Balance: $50,000 or more


Return target1
CPI + 1.9% p.a.

Annual returns2
2014-15: 11.89%
2015-16: 7.58%
2016-17: 7.20%
2017-18: 5.85%
2018-19: 11.61%
2019-20: -0.26%
2020-21: 14.47%

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

Statement of fees and other costs4
$360

Comparison between return target and return3

Age: 50-57

Balance: Less than $100,000


Return target1
CPI + 2.1% p.a.

Annual returns2
2014-15: 11.68%
2015-16: 6.47%
2016-17: 7.80%
2017-18: 5.73%
2018-19: 10.51%
2019-20: -0.26%
2020-21: 14.84%

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

Statement of fees and other costs4
$315

Comparison between return target and return3

Age: 50-57

Balance: $100,000 to less than $250,000


Return target1
CPI + 1.6% p.a.

Annual returns2
2014-15: 10.62%
2015-16: 6.32%
2016-17: 6.65%
2017-18: 5.26%
2018-19: 10.23%
2019-20: -0.09%
2020-21: 13.15%

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

Statement of fees and other costs4
$315

Comparison between return target and return3

Age: 50-57

Balance: $250,000 or more


Return target1
CPI + 1.4% p.a.

Annual returns2
2014-15: 9.52%
2015-16: 6.14%
2016-17: 5.50%
2017-18: 4.76%
2018-19: 9.95%
2019-20: 0.10%
2020-21: 11.17%

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

Statement of fees and other costs4
$315

Comparison between return target and return3

Age: 58 and over

Balance: Less than $300,000


Return target1
CPI + 1.2% p.a.

Annual returns2
2014-15: 7.99%
2015-16: 4.23%
2016-17: 5.68%
2017-18: 4.06%
2018-19: 6.28%
2019-20: 0.48%
2020-21: 8.86%

Level of investment risk
Low to medium. Investors should be aware that a negative annual return is expected between 1 and 2 times in any 20 years.

Statement of fees and other costs4
$235

Comparison between return target and return3

Age: 58 and over

Balance: $300,000 or more


Return target1
CPI + 0.7% p.a.

Annual returns2
2013-14: 4.91%
2014-15: 5.58%
2015-16: 3.20%
2016-17: 3.82%
2017-18: 2.91%
2018-19: 4.31%
2019-20: 0.59%
2020-21: 5.42%

Level of investment risk
Low. Investors should be aware that a negative annual return is expected between 0.5 and once in any 20 years.

Statement of fees and other costs4
$235

Comparison between return target and return3

Why you'll love Lifetime
Award-winning MySuper product

We won Money magazine's Best Value MySuper Product5 2 years in a row, for providing a high-quality product for members. See our other awards.

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$133 billion in funds under administration6

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Over 100 years of helping members

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620,000 QSuper members and counting

Super you can trust. When you're ready to learn more about super, get advice, or discover our award-winning products, we're here to help.

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If you're eligible, it takes around 10 minutes to apply online, and you'll be on your way to enjoying the QSuper feeling.

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1. 10-year return target: Represents an estimate of the mean (average) annualised percentage rate of net return of a representative member that exceeds the growth of inflation (measured by the Consumer Price Index (CPI)) over 10 years from 1 July 2021 – 30 June 2031. It is important to note that this is an estimate only, and a very wide range of outcomes is possible over this period. These returns were achieved before QSuper became a division of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.

2. Annual return: Time-weighted rate of return on investments net of administration fees, investment fees, and indirect costs and taxes for a representative member. The Lifetime groups all commenced on 26 May 2014. The 10-year average return will be provided once 10 years of returns are available. These returns were achieved before QSuper became a division of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.

3. Moving average return target: Represents the return target over a rolling 10-year period in annualised percentage terms that includes the change in CPI for the relevant years. These returns were achieved before QSuper became a division of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.

4. 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 Lifetime group, 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.

5. Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Past performance is not a reliable indicator of future performance. Go to moneymag.com.au for details of its ratings criteria. This award was received before QSuper merged with Sunsuper to become Australian Retirement Trust on 28 February 2022. The QSuper products that received these awards have kept the same key features post-merger.

6. Funds under administration as at 30 June 2021. These net assets include QSuper retirement funds and employer-sponsor receivables for Defined Benefit members managed and held by Queensland Treasury.