How does QSuper rate?

Compare super funds

How much better off are you with QSuper?

When members come first, we all win1

How does QSuper rate?

Compare super funds

How much better off are you with QSuper?

When members come first, we all win1

Performance

QSuper performance review

We're honoured to have received SuperRatings' Smooth Ride award for our Balanced option delivering strong performance while smoothing the ups and downs of the market,2 and their 15-year Platinum rating.3

QSuper returns are driven by our unique investment approach that aims to provide consistent growth over the long term with less risk. 

10-year annual return - Balanced option4

8.61% p.a.

As at 30 June 2021

15-year platinum performance
SuperRatings Platinum Performance rating 15 years in a row

Our performance
Fees

Super fees comparison

Keeping fees low makes a big difference. That's why our fees are among the lowest in the country,5 and QSuper members don't pay any transaction or switching fees, unless you choose Self Invest.

Select account balance

 

$350 QSuper annual fee

 

$610 Average annual fee

SuperRatings Fundamentals Report, 31 August 2021. For the QSuper Balanced option.6
Our fees

Who can become a QSuper member

If you're a new Queensland Government employee, the spouse or child (under 25 years old) of an existing QSuper member, or starting a Lifetime Pension, you can enjoy our products.

If not, don't worry - you can still join Australian Retirement Trust.

Check out more reasons to love QSuper products, or learn more about how and why to switch super funds.

Can I join?

Fund comparison tool

Use the ATO's tool to compare MySuper accounts, or use the SuperRatings tool to do your super comparison of more than 200 super funds for features such as:

Investment performance and options

Fees and charges

Customer service

Insurance

See how much better off you are with QSuper, and enjoy some of the lowest administration fees around.

Note: The SuperRatings super fund comparison tool is updated quarterly and may not reflect very recent product changes.

Frequently asked questions (FAQs)

We come highly rated, so you can be sure you're getting a good deal. Both our Accumulation and Income accounts are regularly awarded the highest rating of 5 Apples by specialist research consultancy Chant West.8 And in the comparison of super fund performance, our products received a 15-year Platinum Performance rating from SuperRatings.3

You can feel confident, knowing our performance is award-winning. We've won SuperRatings' Smooth Ride award3 for being the best at weathering the ups and downs of the market.

View our performance, our range of investment options, or our other awards.



Super you can trust
Everything we do is to benefit our members, not shareholders.

Being profit-for-members means you can be sure we're working in your best interests, not someone else's.

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$133 billion in funds under administration9

100 year icon

Over 100 years of helping members

Value graph icon

620,000 QSuper members and counting

Always here for you. As part of one of Australia's largest super funds, we've been helping our members feel good about their super for more than 100 years.

Open a QSuper account

If you're eligible to join us, it only takes around 10 minutes to apply online, and you'll soon be enjoying the QSuper feeling.

Can I join?

1.  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.
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. © 2022 SuperRatings. All rights reserved.
© 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.
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.

2. Winner of SuperRatings’ Smooth Ride 2022 award. The Smooth Ride 2022 award was based on the investment results of the Balanced investment option for the QSuper Accumulation and Income accounts before QSuper and Sunsuper funds merged. 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. ©2022 SuperRatings. All rights reserved. This award was 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.

3. 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. © 2022 SuperRatings. All rights reserved. This rating was 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.

4. Past performance may not be a reliable indicator of future performance. QSuper’s Accumulation account, Balanced Option only. The return is a compound annualised return reflected after administration fees, investment fees, 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. These returns were achieved before QSuper became part of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.

5. Chant West Super Fund Fee Survey, March 2021. © 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 Chant West data is based on information provided by third parties that is believed to be accurate. Chant West does not issue, sell, guarantee, or underwrite this product. The findings are based on account balances of $25,000 and $50,000. Only administration and investment fees and costs are covered. Fees are gross of income tax. Go to chantwest.com.au for further information about the methodology used and Chant West's Financial Services Guide. For the QSuper investment options: Lifetime option Focus 1, Aggressive, Balanced, and Moderate. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. As the fee structure of the product remains the same, this ranking still applies.

6. The annual fee for QSuper Balanced options comprises of the investment fee, indirect cost ratio, and admin fee (%p.a.), which are based on the fees and costs for the financial year ended 30 June 2021. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared, and may differ from future fees and costs. The average super fund annual fee is modelled on a small ($500K) employer size and is sourced from SuperRatings Fundamentals Reports, 31 August 2021. 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. © 2022 SuperRatings. All rights reserved. Past performance is not a reliable indicator of future performance. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. As the fee structure of the product remains the same, this ranking still applies.

7. 5 Apples awarded in 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. This rating was achieved before QSuper became part of Australian Retirement Trust on 28 February 2022. As the features of this product remain the same, this ranking still applies.