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.

Objective

CPI + 2% p.a.

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

Timeframe

2 years

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

Investment fee1

0.36% p.a.

Investment base 0.21% p.a. and an investment performance 0.15% p.a. Total investment fee 0.36% p.a. More details on fees

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 1.29% 3.82% 4.19% n/a n/a n/a
Asset allocation3 Ranges4
Cash
72.3% 50 - 90%
Fixed interest5 6.6% 0 - 35%
Real estate 2.5% 0 - 20%
Equities* 10.7% 0 - 45%
Infrastructure 5.1% 0 - 20%
Commodities 0.6% 0 - 20%
Alternative assets 2.0% 0 - 25%

* Equities includes Australian Shares (2.4%), International Shares (6.9%) and Private Equity (1.5%).

Australian shareholdings

Top ten Australian shares by value.


# Stock
1 Commonwealth Bank of Australia
2 Westpac Banking Corporation
3 ANZ Banking Group Limited
4 National Australia Bank Limited
5 BHP Billiton Limited
6 CSL Limited
7 Telstra Corporation Limited
8 Wesfarmers Limited
9 Macquarie Group
10 Woodside Petroleum 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 Taiwan Semiconductor MFG 
3 Anheuser-Busch Inbev
4 McDonald's Corporate
5 Dominion Resources
6 Southern Company
7 Apple
8 Danone
9 Alphabet Inc
10 Essilor International

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

Return target CPI + 2% p.a. after fees and tax, measured over rolling 10-year periods.
Return 3.20% p.a.6 for the year to 30 June 2016.
Comparison between return target and return Sustain 2
Level of investment risk Very low. Investors should be aware that a negative annual return is expected less than 0.5 times in every 20 years.
Statement of fees and other costs7 $280

1.The investment base fee and investment performance fee figures are based on the actual fee for the year ended 31 March 2017 and may differ from the future fee. Past fees should not be taken as an indication of future fees as each year the expenses of managing QSuper’s investment options may vary. Both the investment fee and an administration fee of 0.20% are deducted daily from the unit price before the unit price is declared. You may be charged additional fees for insurance and other services, but you’ll find all the information in the QSuper Product Disclosure Statement for Accumulation and Income Accounts.

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.