Website Disclaimer

This website is operated for and on behalf of Australian Retirement Trust Pty Ltd (the Board). Unless we tell you otherwise, all QSuper products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840 AFSL 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063) (“the Fund”).

Any mention of 'QSuper' is in relation to QSuper, the Government division of Australian Retirement Trust. Our QSuper Accumulation account is designed for Queensland Government employees (including future and former employees), current members, and other people who can open a QSuper account.

When you apply to open a QSuper account you will be joining Australian Retirement Trust, and may be referred to as a 'QSuper account holder'.

ART Group Services Limited (ABN 50 125 248 286, AFSL 334546), QInsure Limited (ABN 79 607 345 853, AFSL 483057) (‘QInsure’) and QInvest Limited ('QInvest') (ABN 35 063 511 580, AFSL 238274) are separate legal entities that are wholly owned by the Trustee as an asset of Australian Retirement Trust. QInsure is a registered life insurance company.

We do not guarantee or represent that the information (including information provided by third parties), is accurate, up to date, or complete and do not take responsibility for any claims, losses, damages, costs, or expenses of whatever nature, which occur as a result of relying on this information. We will do our best to update this website in a timely manner, as soon as possible after any changes happen, however, it may affect the accuracy of this information in the meantime.

Unless we tell you otherwise, software that you can download via links from this website are third party products and are accessed at your own risk. We take no responsibility, provide no warranty, and give no endorsement for third party products. If you have any suggestions or feedback about these products that you want to share with us, please let us know.

Target market determination

Certain products we distribute must have a target market determination to show who are the 'target market' people most suited to these products. View the target market determinations for each of our products.

General advice warning

The information on this website and in the articles provided are general information only and do not take into account your personal objectives, financial situation, or needs. It should not be relied on as legal or taxation advice, and it does not take the place of this type of advice. You should consider the appropriateness of the information in light of your own objectives, financial situation, or needs before acting on it by reading a copy of the product disclosure statement (PDS), the target market determination, and where necessary, seek professional financial advice tailored to your personal circumstances. You can download a copy of the PDS or TMD or call us on 1300 360 750 to request a copy.

Financial advice

QInvest provides the general advice on the website on behalf of the Board. It has appointed QInvest to provide financial product advice to QSuper account holders, including access to personal financial advice in relation to switching between investment options, making extra super contributions, and the level of insurance cover you hold in the Fund, as part of your membership. Eligibility conditions apply. Refer to the Financial Services Guide (pdf) for more information.

Case studies

The case studies on this website are provided for illustrative and educational purposes only and the members shown are not real. Additionally, figures may be rounded for ease of understanding. You should seek advice from a suitably qualified professional regarding your own circumstances.

News Hub articles

The News Hub articles may include general advice and is only for the purpose of general financial education for members. Any personal views and opinions offered by the author/s are not necessarily the views of the Board or QInvest Limited, or their representatives.


Calculators are generic only and are provided to give you some illustrative examples of different financial scenarios, based on a range of stated assumptions, using the information that you entered. The calculations are intended as estimates only; they are not intended to be kept and should not be relied upon when making an investment decision about a financial product, fund, or strategy, and they are not a substitute for professional personal financial advice. While we have based the information using sources that we believe are reliable and accurate, it should not be regarded as a guarantee of benefits and entitlements. The calculated outcomes will depend on the scenarios that can be generated through the information you enter as input and on a range of factors outside of our control.

We expressly disclaim all liability and responsibility to any person who relies, or partially relies, on anything done or omitted to be done by these calculators. You should seek advice from a suitably qualified professional regarding your own circumstances.

View more on the assumptions used and information about the Super Projection Calculator.

Our ratings and awards

The website displays ratings and awards received for QSuper products. Some of these awards were received before QSuper became part of Australian Retirement Trust on 28 February 2022. The QSuper products that received these awards have kept the same key features post-merger. More details about specific ratings or awards.