Self Invest is closed to new investors. This information is for existing Self Invest users.

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Choose your own investment strategy

Self Invest allows you to tailor your own investment strategy by combining our investment options with:

Investment group
Australian shares Choose to invest in shares from some of Australia's largest companies listed on the S&P/ASX 300.
Term deposits If you want to know exactly what rate of return you’ll get on your super investment, you can choose term deposits from some of Australia's major banks. Investment terms range from 30 to 365 days.
Exchange traded funds (ETFs) Access a wide range of Australian and international companies through a selection of pre-mixed portfolios, much like a managed fund that can be traded like shares on the Australian Securities Exchange.

May 2024: Important fees and costs information for Self Invest from 1 July 2024.

You can find more information in the Product update (QSuper) for May 2024 (pdf).

The fees set out here relate to Self Invest. A summary of the ongoing annual fees and costs for other investment options along with further information about fees and costs is set out in the fees and costs section of the QSuper Product Disclosure Statement for Accumulation Account (PDS), the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (PDS), and the Product update (QSuper) for May 2024 (pdf).

Type of fee or cost Amount How and when paid
Ongoing annual fees and costs1
Administration fees and costs 0.10% p.a. of your account balance invested in Self Invest. We generally deduct it each month in arrears from your transaction account. It is pro-rated for partial months and isn’t capped.
Plus 0.06% p.a. of your account balance not invested in Self Invest, capped at $500 p.a. We generally deduct it each month in arrears and it is pro-rated for partial months for Income accounts.

We generally deduct it each week in arrears and it is pro-rated for partial weeks for Accumulation accounts.
Plus $1.20 per week. We generally deduct it each week in arrears from your account if you have a balance. We don’t pro-rata for partial weeks.
Plus 0.07% p.a. When the administration costs exceed member administration fees collected these costs are met from our general reserve, not from your account balance or investment returns. We estimated this amount as 0.07% for the year ending 30 June 2024.
Investment fees and costs $299 p.a. access fee for Self Invest

For other investment options: 0.07% to 1.65% p.a. of your account balance.

The investment fees and costs vary according to which investment options you choose. See the table on page 32 of the Product update (QSuper) for May 2024 (pdf) for the specific investment fees and costs for each investment option. 		Calculated daily and deducted monthly in arrears from your Self Invest transaction account. If you have both an Accumulation and a Retirement Income account and are invested in Self Invest in each, the access fee will apply to both of your transaction accounts.

These fees and costs we charge for Self Invest:

a) relate only to gain access to the accessible financial products through Self Invest, and

b) do not include the fees and costs that relate to investing in accessible financial products, such as ETF management fees.

For other costs that may apply if you invest in an ETF and an example of annual fees and costs for Self Invest, please see Page 11 of the Self Invest guide.
0.07% - 1.65% p.a. of your account balance not invested in Self Invest, which depends on the investment options you choose.2, 3 Calculated on a daily basis and deducted from investment returns before we declare the unit price on business days.
Transaction cost2 Nil4
0.00% - 0.09% p.a. of your account balance not invested in Self Invest, which depends on the investment options you choose.3 Calculated on a daily basis and deducted from investment returns before we declare the unit price on business days.
Member activity related fees and costs
Buy-sell spread4 Nil
Switching fee4 Nil
Other fees and costs5 We charge a brokerage fee on each trade you make on shares and ETFs through Self Invest. For information about brokerage and other fees and costs that may apply to your investment in Self Invest, see the 'Additional explanation of fees and costs' on page 12 of the Self Invest guide.

Other fees and costs may be deducted from your account not invested in Self Invest, such as advice fees for personal advice. Please see 'Additional explanation of fees and costs' in our PDS.

 

1 If your account balance for a product offered by the superannuation entity is less than $6,000 at the end of the entity’s income year, certain fees and costs charged to you in relation to administration and investment are capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded.

2 Investment fees and costs includes an amount of 0.00% to 0.81% p.a. for performance fees. The specific performance fees for each option and the calculation basis for these amounts are set out under 'Additional explanation of fees and costs' in our PDS.

3 The investment fees and costs and transaction costs are estimates only. We explain the calculation basis for investment fees and costs and transaction costs under 'Additional explanation of fees and costs' in our PDS.

4 While we don't charge transaction costs, a buy-sell spread or a switching fee for Self Invest, we do charge a brokerage fee when you buy and sell accessible financial products through Self Invest. For further information, please see the 'Additional explanation of fees and costs' in the Self Invest guide.

5 Refer to 'Additional explanation of fees and costs' in the Self Invest guide.

Example of annual fees and costs for Self Invest

In this example, an Accumulation account holder with a $50,000 account balance has invested $500 in the Self Invest transaction account and $39,500 in an ETF through Self Invest. They've invested the remaining $10,000 of their account balance in our Balanced Risk-Adjusted option.

The administration fees and costs include:

  • 0.10% p.a. administration fee that applies for your Self Invest investment, which equates to $40 for $40,000 of the account balance invested in Self Invest.
  • 0.06% p.a. administration fee that applies for all investment options other than Self Invest, which equates to $6 for $10,000 of the account balance invested in the Balance Risk-Adjusted option.
  • 0.07% p.a. of costs are met from our general reserve, which equates to $35 for a $50,000 account balance. This $35 is not deducted from your account.
  • $1.20 per week administration fee regardless of your balance.

The investment fees and costs include:

  • $299 p.a. Self Invest access fee
  • 0.03% p.a. of the amount invested in the ETF as the ETF management fee.1
  • Investment fees and costs and transaction costs for the amount invested in the Balanced Risk-Adjusted option.

We've excluded the brokerage fee of $43.79 to acquire a $39,500 interest in an ETF from this example. For more information about brokerage, please see 'Additional explanation of fees and costs'.

 

EXAMPLE: Self Invest investment in an ETF Balance of $50,000
Administration fees and costs

0.10% p.a. of your Self Invest balance

0.06% of your balance not invested in Self Invest

0.07% p.a. costs met from our general reserve

Plus $1.20 per week

 For the $50,000 you have in the Balanced Risk-Adjusted option and Self Invest in the superannuation product you will be charged or have deducted from your investment $81 in administration fees and costs, plus $62.40 regardless of your balance.

PLUS

Investment fees and costs

$299 Self Invest access fee1

0.03% p.a. ETF management fee

0.51% p.a. Balanced Risk-Adjusted option investment fees and costs

 And, you will be charged or have deducted from your investment $361.85 in investment fees and costs.

PLUS

Transaction cost

Nil for Self Invest

0.04% p.a. Balanced Risk-Adjusted option costs

 And, you will be charged or have deducted from your investment $4 in transaction costs.

EQUALS

Cost of product

 If your balance was $50,000 at the beginning of the year, then for that year you will be charged fees and costs of $509.25 for the superannuation product.

 

Note: Additional fees may apply. The above table showing an example of annual fees and costs for Self Invest is illustrative only based on the assumptions listed. The actual amount of fees and costs can vary depending on your Self Invest investments, your other investment option(s), and other factors.

Additional fees and costs will be charged by the issuers of the accessible investments that you choose to invest in through Self Invest. For example, investment management fees and performance fees (if any) charged by the issuer of an ETF are in addition to our fees and costs. In the example above, we’ve included an ETF management fee that may be charged by an ETF issuer to show the potential impact of fees and costs associated with investing in one accessible investment.

1 The ETF management fees charged by the ETF managers vary between ETFs. We use the figure of 0.03% in this example as it's the management fee for one of our most popular ETFs available on Self Invest.

Self Invest fees

As Self Invest is set up differently to other QSuper investment options, the fees and costs are also different.

The costs of managing your Self Invest account include our administration fees and costs, investment fees and costs, transaction costs for brokerage, and EFT management fees.

Find out more about Self Invest fees.

QSuper transaction account

When you move money to Self Invest, we open a transaction account for you. You can use this account to hold your funds as you buy and sell shares, term deposits and ETFs. This is also where we put your investment returns monthly 1 and where we take out fees and costs.

Money in this account earns interest.

Transaction account interest as at 8 November 2023 4.85% p.a.

Find out more about the transaction account by reading the Target Market Determination (TMD).

Self Invest tools and resources

The Self Invest platform gives you access to in-depth share research and market insights from researchers UBS Securities Australia Ltd and Morningstar, including:

  • Share prices available in real time
  • Data and commentary covering Australian markets, local industries, and companies
  • Analysis and recommendations for Australian companies
  • Watchlists to keep an eye on the shares you're interested in buying or selling
  • Customised trading alerts with updates on corporate actions and dividend announcements.

Self Invest FAQs Hide all

If you have a Self Invest Accumulation account, you can transfer the money you have in Self Invest to a Retirement Income account. You don't need to sell your portfolio or break the investments you hold in Self Invest. Because the investments are transferred, rather than sold, there's no capital gains tax to pay. You can then continue to invest in shares, ETFs, and term deposits from your Retirement Income account.

Keep in mind that if you transfer funds from a Retirement Income account to an Accumulation account, you'll need to sell your investments. If you decide to move everything over and sell all of your investments, you also need to close the Self Invest option.

While Self Invest gives you the freedom to tailor your own investment strategy, it isn't for everyone. Here are some of the things to think about when using Self Invest:

  • The risk of loss will be greater if you choose not to diversify your investments over a number of different asset classes and sectors
  • If you're investing in shares, there's always a risk that prices may go down in the short to medium-term
  • If the market is down and you need to access your money quickly, you may be forced to sell your investments at a loss
  • If you don't have the time, resources, or expertise to devote to your investment, you may not get the returns you're after.

Self Invest gives you many of the same benefits, control, and flexibility of a self-managed super fund (SMSF).

While you still have complete control over how you invest your super, you don't need to worry about the administration, compliance and reporting obligations that you would usually take care of yourself with an SMSF. Self Invest members also have access to customised trading alerts and market research from experts.

Keep in mind there are limits around how much of your super you can invest in shares and ETFs through Self Invest.

Self Invest closed to new members on 1 July 2023. However, existing Self Invest users still have access to shares, ETFs, and term deposits, as well as tools and market research from experts. If you're interested in taking more control over your super investment strategy, learn more about our Diversified and Single Sector options.

Explore our other investment options

Whether you're happy for us to manage your super, or want to take some control, we aim to provide long-term returns and investment options that suit your needs.

Find out more

1. We credit interest monthly, in arrears, and after any applicable taxes have been taken out.