#1 fund for weathering market ups and downs3
SuperRatings' Pension of the Year three years in a row4
Take full control of where your super is invested
Self Invest allows you to tailor your own investment strategy by combining QSuper’s investment options with:
As Self Invest is set up differently to other QSuper investment options, the fees are also different.
The costs of managing your Self Invest account include our capped administration fee, access fees, cash management fees, brokerage fees, and ETF management fees.
Find out more about Self Invest fees.
Before moving your money to Self Invest, there are a few things to keep in mind. There’s a level of risk that comes with handling your investments yourself. As with any investment, there’s the potential to incur losses and the performance in Self Invest will depend on your management skills, the investments you choose, and the decisions you make. When choosing your investment strategy, getting some professional guidance can help.
If you decide that Self Invest is the right investment option for you, you'll need to:
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.
Money in this account will earn interest and we will allocate returns to your account monthly.
We credit interest monthly, in arrears and after any applicable taxes and fees have been deducted.
Find out more from our Investment Choice Guide (pdf).
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:
We also offer a range of resources on our website including a dedicated Investments section of News Hub.
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:
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.
It takes less than 5 minutes through Member Online.
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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.