1. 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 and are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance. Go to moneymag.com.au for details of its ratings criteria.

Chant West award: © Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872/AFS Rep No. 1280401. Chant West Awards issued 2022 and determined using proprietary methodologies based on data from third parties and subject to copyright. Chant West does not accept any liability arising from use of its awards. Awards are solely statements of opinion and do not represent recommendations to purchase, hold or sell product(s) or make any other investment decisions. To the extent the awards constitute advice, it is general advice only without taking into consideration the objectives, financial situation or needs, including target markets of financial products. You should consider your personal circumstances, read the PDS or offer document and seek independent financial advice before making investment decisions. Past performance is not an indication of future performance. Awards are current for 12 months from the date awarded and subject to change at any time. Go to www.chantwest.com.au for full information on Chant West's research methodology, processes, ratings definitions and Financial Services Guide.

2. Based on the Balanced investment option. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2023 SuperRatings. All rights reserved.

3. Past performance may not be a reliable indicator of future performance. The QSuper Accumulation account, Balanced Option only. The return is a compound annualised return reflected after fees and costs, and tax. Disclosed/reported investment returns reflect the returns of the investment option and not individual members, as they do not take into account the timing of contributions, investment switches, or withdrawals.

4. 5 Apples awarded in 2022, 2021, 2020, 2019, 2015, 2014, and 2013, and Best Fund: Investments Award received in 2020. © Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401, 2021. The rating and associated material is only intended for use by Australian residents within the jurisdiction of Australia, and is not permitted to be considered or used by a party outside of Australia. Chant West does not issue, sell, guarantee, or underwrite this product. For further information about the methodology used by Chant West, see chantwest.com.au. Chant West has given and has not withdrawn its written consent to the inclusion on this website of the references to Chant West and the inclusion of the ratings logo or rating in the form and context in which they are included. Past performance is not a reliable indicator of future performance. Awards and ratings are only one factor when deciding how to invest your super. Many of these ratings were achieved before QSuper became part of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.