From 1 July 2023, the Self Invest option will no longer be offered to new investors. Find out more.

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Choose your own investment strategy

Self Invest allows you to tailor your own investment strategy by combining QSuper’s investment options with:

Investment group
Australian shares Choose to invest in shares from some of Australia's largest companies listed on the S&P/ASX 300.
Term deposits If you want to know exactly what rate of return you’ll get on your super investment, you can choose term deposits from some of Australia's major banks. Investment terms range from 30 to 365 days.
Exchange traded funds (ETFs) Access a wide range of Australian and international companies through a selection of pre-mixed portfolios, much like a managed fund that can be traded like shares on the Australian Securities Exchange.

QSuper transaction account

When you move money to Self Invest, we will create a transaction account for you. You will use this account to hold your funds as you buy and sell shares, term deposits and ETFs, and this is also where your investment returns will be applied and from where we deduct fees and costs.

Money in this account will earn interest and we will allocate returns to your account monthly.

Transaction account interest as at 3 May 2023 4.25% p.a.

We credit interest monthly, in arrears and after any applicable taxes have been taken out.

Please check the target market determination to find out more about the cash transaction account.

Self Invest tools and resources

The Self Invest platform provides plenty of information and tools to support you in your investment decisions. You have access to comprehensive share research and market commentary from researchers UBS Securities Australia Ltd and Morningstar, including:

  • Share prices available in real time
  • Data and commentary covering Australian markets, local industries, and companies
  • Analysis and recommendations for Australian companies
  • Watchlists to keep an eye on the shares you're interested in buying or selling
  • Customised trading alerts with updates on corporate actions and dividend announcements.

We also offer a range of resources on our website including a dedicated Investments section of News Hub.

Self Invest FAQs Hide all

If you have a Self Invest Accumulation account, you can transfer the money you have in Self Invest to a Retirement Income account. You don't need to sell your portfolio or break the investments you hold in Self Invest. Because the investments are transferred, rather than sold, there's no capital gains tax to pay. You can then continue to invest in shares, ETFs, and term deposits from your Retirement Income account.

Keep in mind that if you transfer funds from a Retirement Income account to an Accumulation account, you'll need to sell your investments. If you decide to move everything over and sell all of your investments, you also need to close the Self Invest option.

While Self Invest gives you the freedom to tailor your own investment strategy, it isn't for everyone. Here are some of the things to think about before registering for Self Invest:

  • The risk of loss will be greater if you choose not to diversify your investments over a number of different asset classes and sectors
  • If you're investing in shares, there's always a risk that prices may go down in the short to medium-term
  • If the market is down and you need to access your money quickly, you may be forced to sell your investments at a loss
  • If you don't have the time, resources, or expertise to devote to your investment, you may not get the returns you're after.

Self Invest gives you many of the same benefits, control, and flexibility of a self-managed super fund (SMSF).

While you still have complete control over how you invest your super, you don't need to worry about the administration, compliance and reporting obligations that you would usually take care of yourself with an SMSF. Self Invest members also have access to customised trading alerts and market research from experts.

Keep in mind there are limits around how much of your super you can invest in shares and ETFs through Self Invest.

1. There are conditions that apply to the ongoing management of your investments (1) If you have an Accumulation account, you need to keep a minimum of $10,000 invested in one or more of our other QSuper investment options and (2) If you have a Retirement Income account, you’ll need at least 13 months of your current income payments in one or more of our other investment options.