A focus on long-term performance
Money magazine’s Best Retirement Innovator 20232
QSuper Lifetime is our industry-leading superannuation investment option designed so that as you move through life, your investment strategy will move with you.
QSuper Lifetime is unique among investment options offered by Australian superannuation funds, because it takes into account your age and your Lifetime account balance when setting your investment strategy.1
It’s a product that does the hard work for you when it comes to investing; it’s designed for members who prefer that QSuper automatically adjusts their investment strategy.
To ensure you are in the right investment group for your circumstances, your account balance is checked twice a year and switched, as required, so you can feel secure that you are in the right group and are getting the most out of your super.
The QSuper Lifetime investment option sets a strategy for you when you’re young and changes as you get older and as you accumulate more money.
It is the only super investment option that automatically personalises your investment strategy based on your age and Lifetime account balance, so you can set and forget, confident that your super is working hard for you.
As a lifecycle product that can take you from your first superannuation contribution to your retirement, QSuper Lifetime is made up of eight different groups: Outlook, Aspire 1, Aspire 2, Focus 1, Focus 2, Focus 3, Sustain 1, Sustain 2. The groups are differentiated on balance and objective. Please refer to the Product Disclosure Statement for Accumulation Account for more information.
When you are younger, you may be invested in the Outlook group, which focusses on growth and aims to maximise your returns while you're still in a life stage where you can take on extra risk.
If you are getting close to retirement, but have a relatively low balance, we will make sure you are still invested in some growth assets, to help give your super a chance to grow in those last few, important years before retiring or taking an income stream from your super.
This means that your investment mix, investment objective, and risk may change slightly with each move between groups.
Lifetime is an approach that has won QSuper many awards, most recently the prestigious Money magazine Best of the Best award for 2021 Best Value MySuper Product.2
You can rest easy knowing that your money is in the QSuper Lifetime group that reflects your age and your account balance.
We check every six months to assess whether your money is in the Lifetime group that is most appropriate for you, based on your age and Lifetime account balance.
Each May and November, we work in the background to switch you in to the correct group to meet your circumstances.
Keeping track of your super is easy with Member Online.
Access your account balance, update your details and review investments anywhere, anytime.
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1. For Accumulation accounts only.
2. 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.
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Australian Retirement Trust Chief Economist Brian Parker recaps our long-term investment performance