Self Invest is closed to new investors. This information is for existing Self Invest users.

Untitled-4

Lifetime
Untitled-4

Diversified and Single Sector
compare

Compare
Untitled-4

Switch investments

Choose your own investment strategy

Self Invest allows you to tailor your own investment strategy by combining our 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.

Self Invest fees

As Self Invest is set up differently to other QSuper investment options, the fees and costs are also different.

The costs of managing your Self Invest account include our administration fees and costs, investment fees and costs, transaction costs for brokerage, and EFT management fees.

Find out more about Self Invest fees.

QSuper transaction account

When you move money to Self Invest, we open a transaction account for you. You can use this account to hold your funds as you buy and sell shares, term deposits and ETFs. This is also where we put your investment returns monthly 1 and where we take out fees and costs.

Money in this account earns interest.

Transaction account interest as at 3 July 2023 4.60% p.a.

Find out more about the transaction account by reading the Target Market Determination (TMD).

Self Invest tools and resources

The Self Invest platform gives you access to in-depth share research and market insights 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.

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 when using 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.

Self Invest closed to new members on 1 July 2023. However, existing Self Invest users still have access to shares, ETFs, and term deposits, as well as tools and market research from experts. If you're interested in taking more control over your super investment strategy, learn more about our Diversified and Single Sector options.

Explore our other investment options

Whether you're happy for us to manage your super, or want to take some control, we aim to provide strong long-term performance and investment options that suit your needs.

Find out more

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