This option is for those who want stability in the short to medium term, and some exposure to growth assets with the potential for moderate returns. If you go for this option, you should be prepared to sacrifice the potential for higher returns in exchange for short to medium-term stability.


CPI + 2.5% p.a.

To achieve a return of CPI + 2.5% p.a. after fees and tax, measured over rolling 3-year periods.


3 years

Suited to investors with an investment timeframe of more than three years.

Investment fee1

0.31% p.a.

Investment base 0.23% p.a. and an investment performance 0.08% p.a. Total investment fee 0.31% p.a. More details on fees

Investors should be aware that a negative return is expected between 0.5 and once 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 1.68%


5.59% 6.26% 5.75% 4.78%
Income 1.90% 6.16% 6.08% 6.97% 6.5% 5.37%
Asset allocation3 Ranges4
55.4% 40 - 70%
Fixed interest5 11.8% 2.5 - 17.5%
Real estate 4.0% 0 - 10%
Equities* 18.6% 12.5 - 27.5%
Infrastructure 6.4% 0 - 10%
Commodities 0.8% 0 - 7.5%
Alternative assets 3.0% 0 - 12.5%

* Equities includes Australian Shares (4.7%), International Shares (12.1%) and Private Equity (1.9%).

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 Woolworths Limited
10 Macquarie Group

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 Dominion Resources 
5 Apple
6 Southern Company
7 Fresenius Medical Care
8 Novo Nordisk
9 McDonald's Corporation
10 Essilor International

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

1. This is the estimated investment fee for the 2016/2017 financial year as at 1 July 2016, and this may differ from the future fee. 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 Product Disclosure Statement for the Accumulation Account and Income Account.
2. Past performance is not a reliable indicator of future performance. For periods of one year or less, the return is net of fees and tax. 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 Ready Made options these assets provide diversification, a hedge against inflation and target yield enhancement. This asset class is also referred to as bonds.