This dashboard has information you need to know about QSuper Lifetime investment returns, fees and other costs, and levels of risk. You can use this dashboard to compare QSuper Lifetime to other MySuper products. For more information on picking the right MySuper fund for you, visit ASIC's Moneysmart website.

How we take care of your super

One of ART's MySuper products is QSuper Lifetime, a lifecycle investment option that changes your investments automatically based on your age and how much money you've invested in Lifetime.

Your account slowly moves from focusing on growth when you're younger or have a lower balance, to focusing on less risk as you approach retirement or have more super.

The information in this product dashboard is based on a member who has a $50,000 account balance invested in the Lifetime option.

More about our Lifetime option

Outlook

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Age: Under 45⁶

Balance: Any balance

Return target (above inflation)¹
4.84% p.a.

Returns²
(10 year average return to 30 June 2024)
7.08% p.a.

Level of investment risk⁴
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs⁵
$333

Comparison between return target and return³

Aspire 1

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Age: 45-49⁶

Balance: Less than $100,000

Return target (above inflation)¹
4.84% p.a.

Returns²
(10 year average return to 30 June 2024)
7.24% p.a.

Level of investment risk⁴
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs⁵
$333

Comparison between return target and return³

Aspire 2

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Age: 45-49⁶

Balance: $100,000 or more

Return target (above inflation)¹
4.31% p.a.

Returns²
(10 year average return to 30 June 2024)
6.28% p.a.

Level of investment risk⁴
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs⁵
$305

Comparison between return target and return³

Focus 1

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Age: 50-59⁶

Balance: Less than $150,000

Return target (above inflation)¹
4.26% p.a.

Returns²
(10 year average return to 30 June 2024)
6.34% p.a.

Level of investment risk⁴
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs⁵
$306

Comparison between return target and return³

Focus 2

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Age: 50-59⁶

Balance: $150,000 to less than $450,000

Return target (above inflation)¹
3.88% p.a.

Returns²
(10 year average return to 30 June 2024)
5.75% p.a.

Level of investment risk⁴
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs⁵
$287

Comparison between return target and return³

Focus 3

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Age: 50-59⁶

Balance: $450,000 or more

Return target (above inflation)¹
3.49% p.a.

Returns²
(10 year average return to 30 June 2024)
5.11% p.a.

Level of investment risk⁴
High. Investors should be aware that a negative annual return is expected between 4 and less than 6 times in any 20 years.

Statement of fees and other costs⁵
$268

Comparison between return target and return³

Sustain 1

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Age: 60 and over⁶

Balance: Less than $200,000

Return target (above inflation)¹
3.19% p.a.

Returns²
(10 year average return to 30 June 2024)
4.45% p.a.

Level of investment risk⁴
Medium to high. Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Statement of fees and other costs⁵
$259

Comparison between return target and return^{3, 7}

Sustain 2

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Age: 60 and over⁶

Balance: $200,000 to less than $600,000

Return target (above inflation)¹
2.98% p.a.

Returns²
(10 year average return to 30 June 2024)
3.19% p.a.

Level of investment risk⁴
Medium to high. Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Statement of fees and other costs⁵
$240

Comparison between return target and return³

Sustain 3

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Age: 60 and over⁶

Balance: $600,000 or more

Return target (above inflation)¹
2.77% p.a.

Returns²
This Lifetime group commenced on 1 July 2024.

Level of investment risk⁴
Medium to high. Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Statement of fees and other costs⁵
$254

Comparison between return target and return³
Sustain 3 commenced on 1 July 2024

Important information and explanation of terms used

Changes to MySuper Lifetime from 1 July 2024

We made some changes to how MySuper Lifetime works from 1 July 2024, as shown below. The information in this dashboard is based on the new design.

	Age and Lifetime account balance
Lifetime group	Before the change, age and balance	After the change, age and balance
Outlook	Under 40, any balance	Under 45, any balance
Aspire 1	40-49, less than $50k	45-49, less than $100k
Aspire 2	40-49, $50k or more	45-49, $100k or more
Focus 1	50-57, less than $100k	50-59, less than $150k
Focus 2	50-57, $100k to less than $250k	50-59, $150k to less than $450k
Focus 3	50-57, $250k or more	50-59, $450k or more
Sustain 1	58 or over, less than $300k	60 or over, less than $200k
Sustain 2	58 or over, $300k or more	60 or over, $200k to less than $600k
Sustain 3	-	60 or over, $600k or more

Member age
How old you will be when we automatically invest you in this Lifetime group.

Lifetime balance
The amount of super you have in the Lifetime investment option. It doesn't include super you might have in other QSuper investment options.

Representative member
A representative member is a member who is fully invested in QSuper Lifetime, does not incur any activity fees during the year, and has an account balance of $50,000 throughout that year.

Return target
This is an estimated, forward-looking target for the expected investment returns above CPI (inflation) over a 10-year period. This target is expected after any relevant tax and fees and costs.

Return
The 10-year average investment return for each Lifetime group to 30 June 2024. Returns shown are after admin fees and costs, investment fees and costs, transaction costs, and investment taxes.

Find out more about our performance.

Comparison between return target and return
The difference between the return target and the investment return actually received.

Level of investment risk
There are risks in any kind of investing. We explain the level of investment risk using the Standard Risk Measure.

Find out more about investment risk.

Standard risk measure (SRM)
The standard risk measure is used across super funds to help members compare the risk levels of different investment options and different super funds generally.

The SRM is a guide to the likely number of negative annual returns you can expect over any 20-year period. Find out more.

Explanation of standard risk measure (SRM) levels

Very low

Investors should be aware that a negative annual return is expected less than 0.5 times in any 20 years.

Low

Investors should be aware that a negative annual return is expected between 0.5 and less than 1 time in any 20 years.

There's a risk that your investment returns may not be high enough to keep up with inflation.

Low to medium

Investors should be aware that a negative annual return is expected between 1 and less than 2 times in any 20 years.

Medium

Investors should be aware that a negative annual return is expected between 2 and and less than 3 times in any 20 years.

Medium to high

Investors should be aware that a negative annual return is expected between 3 and less than 4 times in any 20 years.

Balancing the risk that your super balance could be reduced by volatility, with the risk that your investment returns may not be high enough to keep up with inflation.

High

Investors should be aware that a negative annual return is expected between 4 to less than 6 times in any 20 years.

Very high

Investors should be aware that a negative annual return is expected 6 or more times in any 20 years.

There's a risk that your super balance could be reduced by investment markets going up and down (volatility).

Statement of fees and other costs
This shows you the total fees and costs you could expect to pay for this investment option, based on a balance of $50,000.

Find out more about our fees.

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Footnotes Show content

1. The return target is after admin fees and costs, investment fees and costs, transaction costs and investment taxes have been deducted, and is the mean annualised forward-looking estimate of the percentage rate of return above inflation (as measured by the Consumer Price Index) for a representative member. It's measured over 10 years to 1 July 2024. This is different to the investment objectives shown in the Product Disclosure Statements (PDS).

2. Return is after admin fees and costs, investment fees and costs, transaction costs and investment taxes for a representative member. Returns cover the period up to 28 February 2022 as QSuper and from date of merger up to 30 June 2024 as part of Australian Retirement Trust. The QSuper Lifetime group Sustain 3 commenced on 1 July 2024, so no returns were available. Past performance is not a reliable indicator of future performance.

3. Moving average return target represents the return target over a rolling 10-year period in annualised percentage terms that includes the change in the Consumer Price Index for the relevant years. The comparison between return target and return includes (where applicable) a return for each financial year, plus the 10-year average return. Because the QSuper Lifetime groups Sustain 1 and Sustain 2 commenced on 16 December 2013, and the QSuper Lifetime Groups Outlook, Aspire 1, Aspire 2, Focus 1, Focus 2, and Focus 3 commenced on 26 May 2014, we are only able to show the 10-year moving average return to 30 June 2024. QSuper Lifetime group Sustain 3 commenced on 1 July 2024, so no returns are available.

4. The standard risk measure (SRM) requires risk to be labelled in terms of the anticipated number of years of negative annual returns for the product over 20 years, with each number corresponding to a risk description that ranges from very low to very high. More information is in the explanation of terms used above and the QSuper Investment Guide (PDF).

5. Fees and other costs: The statement of fees and other costs is indicative based on the previous financial year, is subject to change, and will not necessarily be the amount of fees and costs that are incurred for a financial year by a particular member. This applies for a representative member who is defined as a member who is fully invested in the applicable Lifetime group for the entire financial year, who does not incur any activity fees during the year, and who has an account balance of $50,000 throughout that year. Excludes investment gains/losses on that $50,000 balance.

6. The ages at which members are invested in the Lifetime groups were updated at 1 July 2024. The updated ages are shown. See 'Changes to MySuper Lifetime from 1 July 2024' in the Important information and explanation of terms used section above for details of the change.

7. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022. This information has been prepared and issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 (Trustee), the trustee of Australian Retirement Trust ABN 60 905 115 063 (the Fund).