Sustain 2 is designed for those who are close to or in retirement, with $300,000 or more invested in Lifetime. It has a focus on stability.


CPI + 2% p.a.

To achieve a return of CPI + 2% p.a. after fees and tax, measured over rolling 10‑year periods.


2 years

Suited to investors with a minimum investment timeframe of 2 years.

Total fee1

0.66% p.a.

Total fee includes administration fees (0.18%), investment fees and indirect cost ratio.
View detailed fee breakdown

You need to keep in mind that with Sustain 2, a negative annual return is expected less than 0.5 times in every 20 years. 

Low risk
Read more about the standard risk measure.

Account 3 months2 1 year2 3 years p.a.2 5 years p.a.2 7 years p.a.2 10 years p.a.2
Accumulation 1.19% 4.21% 3.72% n/a n/a n/a
Asset allocation3 Ranges4
72.2% 50 - 90%
Fixed interest5 7.5% 0 - 35%
Real estate 2.6% 0 - 20%
Equities* 10.2% 0 - 45%
Infrastructure 4.9% 0 - 20%
Commodities 0.4% 0 - 20%
Alternative assets 2.0% 0 - 25%

* Equities includes Australian Shares (2.2%), International Shares (6.4%) and Private Equity (1.6%).

Australian shareholdings

Top ten Australian shares by value.

# Stock
1 Commonwealth Bank of Australia
2 Westpac Banking Corporation
3 BHP Billiton Limited
4 ANZ Banking Group Limited
5 National Australia Bank Limited
6 CSL Limited
7 Wesfarmers Limited
8 Telstra Corporation Limited
9 Woodside Petroleum Limited
10 Rio Tinto Limited

The Australian shares portfolio is managed by the following investment managers:

International shareholdings

Top ten international shares by value.

# Stock
1 Samsung Electronics
2 Dominion Energy Incorporated
3 Southern Company
4 Berkshire Hathaway
5 Crown Castle
6 McCormick & Company
7 Kellogg Company
8 Public Service Enterprise Group
9 Fresenius Medical Care
10 Clorox Company

The International shares portfolio is managed by the following investment managers:

1.The investment fee figure and indirect cost ratio are based on the actual fees and costs for the year ended 30 June 2017 and may differ from future fees and costs. In addition, the administration fee of 0.18% p.a. (from 30 Sept 2017) and other applicable fees are deducted daily from the unit price before the unit price is declared.
2. Past performance is not a reliable indicator of future performance. For periods greater than one year, the return is a compound annualised return, net of fees and tax.
3. These figures have been rounded for member reporting.
4. QSuper has the flexibility to invest within these predetermined ranges.
5. In the Lifetime option and Diversified options these assets provide diversification, a hedge against inflation and target yield enhancement. This asset class is also referred to as bonds.
6. The Lifetime groups Outlook, Aspire 1, Aspire 2, Focus 1, Focus 2 and Focus 3 commenced on 26 May 2014. Sustain 1 commenced on 16 December 2013. Sustain 2 commenced on 8 April 2013. The 10 year average return will be provided once 10 years of returns are available.
7. The statement of fees and other costs is indicative, based on current asset allocations and recent performance, and is subject to change. This applies for a representative member who is defined as a member who is fully invested in the Lifetime group, 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.