#1 for 10-year investment performance1
Our Income account won Money magazine's Pension Fund Manager for 2019.3
We work hard to keep our fees low, and as we don’t have share holders, everything we do is for our members.
We don’t charge fees to switch your investments, make a withdrawal or close your account.
With a proven record of strong performance our members enjoy the benefits of strong long-term returns.1
The total cost of managing your super depends on the investment option/s you are invested in.
If you had $50,000 invested in the Balanced option the total annual fee equals $475 ($50,000 x 0.95%).
How have the investment options performed?
Fees are only one part of selecting an investment option.
View investment performance
We'll always show the total fees that apply to your account. That's why our total fee includes administration fees, investment fees and indirect cost ratio.3
View detailed fee breakdown.
We think it’s important to understand what you won’t be paying (as well as what you will) when you have your super with us.
In addition to managing your super, we also offer the following services which may attract additional fees:
• Financial advice
• Self Invest
Super funds have different fees and they can all affect your balance now and into retirement. So when you’re comparing with other super funds, make sure you take into account all the fees and costs that apply.
Of course, fees aren’t the only thing you should consider when it comes to super. Our returns are always provided net of fees and taxes so you can get a clear view of how your super is performing.
If you'd like to see how we compare with another super fund, you can use the SuperRatings Comparison tool.
Premiums for insurance cover will be deducted from your account. You will not be charged any premiums if you’ve chosen to opt-out of insurance coverage.
More about insurance coverage and premiums
Fees are based on your account balance, not the number of accounts you have. There are no additional fees for entry, exit or making an investment choice switch.
If you are invested in the Self Invest option, there’s a separate set of fees.
More about Self Invest fees
Defined Benefit accounts are based on a formula, so fees, insurance costs and investment returns don’t directly affect your benefit. The exception is if you’ve bought additional insurance cover. These premiums are calculated as a weekly cost per unit of insurance, and deducted from your attached Accumulation account each month.
Find out more about Defined Benefit account
1. Past performance is not a reliable indicator or future performance.
2. This figure comprises of the investment fee and indirect cost ratio which are based on the fees and costs for the financial year ended 30 June 2018 and the administration fee which reduced from 0.18% to 0.16% from 1 July 2018. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared and may differ from future fees and costs.
3. Some of our investment options incur additional costs related to property, borrowing or trading. These costs are not charged by QSuper, but instead incurred within underlying investments and deducted from investment returns prior to calculation of daily unit prices. These costs are not included in the total fee and are disclosed in the Accumulation Account guide and Income Account guide.
4. From 1 July 2018, the administration fee cap changed from $1,000 to $900 per annum. From 1 July 2018, any administration fees you pay on your Accumulation and/or Income account/s over the cap of $900 in a financial year (that’s the combined figure for all of these accounts) will be rebated back to you in July of the next financial year as long as you still have an account with QSuper at the time of the refund.