Superannuation Fees | Committed to Lower Fees

The less you pay in fees on your super account, the more you could have for your future. We're committed to returning profits to members as lower fees and better services, and our members don't pay any switching fees.

Annual fee cap

We have an annual cap of $875 on what you pay for administration fees and costs¹, so more money can go towards your retirement savings.

Find out more

Did you know

You'll only pay fees and costs relevant to the investment option/s your super is invested in.

Best value for money

Our Accumulation and Income accounts are highly rated. And our Balanced option's recognised for giving the best value for money to help you meet your retirement goals.

View all awards

Automatic

QSuper Lifetime fees and costs

Our industry-leading investment option adjusts your investment strategy automatically, as your age and account balance changes. You don't have to lift a finger - we take care of your super for you.

LIFETIME GROUP

COST OF PRODUCT ON $50,000 BALANCE²
The cost of product gives a summary of how ongoing annual fees and costs can affect your super over a year.
Outlook

$425 p.a.
Aspire 1

$385 p.a.
Aspire 2

$380 p.a.
Focus 1

$340 p.a.
Focus 2

$340 p.a.
Focus 3

$340 p.a.
Sustain 1

$270 p.a.
Sustain 2

$260 p.a.

View cost of product breakdown

Your choice

Diversified and single sector total fees and costs

You can mix and match from a range of investment options that are aligned to your goals. And if you change your mind later, don't worry - there's no fee to switch investment options.

DIVERSIFIED
Diversified means the options listed invest in a pre-mixed range of asset classes for diversification.

COST OF PRODUCT ON $50,000 BALANCE²
The cost of product gives a summary of how ongoing annual fees and costs can affect your super over a year.
Moderate

$280 p.a.
Balanced

$390 p.a.
Socially Responsible

$290 p.a.
Aggressive

$405 p.a.
SINGLE SECTOR
Single Sector means the options listed invest in one type of investment (a single asset class).

COST OF PRODUCT ON $50,000 BALANCE²
The cost of product gives a summary of how ongoing annual fees and costs can affect your super over a year.
Cash

$145 p.a.
Diversified Bonds

$340 p.a.
International Shares

$155 p.a.
Australian Shares

$150 p.a.

View cost of product breakdown

Understanding cost of product

We aim to keep our fees and costs simple and transparent, so you understand what you're paying.

The cost of product gives a summary of how ongoing annual fees and costs can affect your super over a year. It assumes a balance of $50,000 at the beginning of the year.

So for every extra $50,000 you have in an investment option, the cost of product will increase. Our example below shows how this works.

QSuper Balanced option

Example balance	Cost of product
$50,000	$390
$100,000	$780
$250,000	$1,950

Tip

You should use the cost of product when comparing super products and investment options.

More about our cost of product

How cost of product works

Here's an example of the annual fees and costs on a super product with a balance of $50,000 at the beginning of the year.

Note: Additional fees may apply. See the relevant product disclosure statement (PDS) for details.

QSuper Balanced - $50,000 balance (your investment)

$75

0.15% p.a. from your investment

$35

0.07% p.a. is not deducted from your account balance but is deducted from the Fund's general reserve

$1100.22% p.a. (total)

Administration fees and costs³

$2650.53% p.a.
from your investment

Investment fees and costs⁴

$150.03% p.a.
from your investment

Transaction costs

$390

Cost of product

Other fees and costs

Advice about your super is one of our many services included in your membership. However, some of our other products and services may come with extra costs.

Learn what else to look for when comparing the best super funds in Australia.

No fees for Defined Benefit accounts

If you have a Defined Benefit account, you do not pay fees and costs, as this is covered by your employer.

However, if you have additional insurance cover, you'll pay insurance premiums as well as the fees and costs outlined above from your Accumulation account. Find out more.

Profit for members
We are committed to returning profits to members as better services and lower fees

We're part of Australian Retirement Trust, one of Australia's largest super funds. As a fund that works for members, not shareholders, we work in members' best interests.

More than $200 billion in retirement savings

140 years’ combined experience helping members

Over 2 million members, and counting

Super you can trust. QSuper is part of Australian Retirement Trust, one of Australia's largest super funds.

Help boost your savings with lower fees

The less you pay in fees on your super account, the more you could have to live your best retirement. Enjoy the benefits of a QSuper account today. If you're eligible to become a member, it only takes 10 minutes to apply online.

Can I join?

Footnotes Show content

1. Note that this annual administration fee cap only applies to the portion of the administration fees charged to your account. Read the relevant product disclosure statement (PDS) for more details.

2. Cost of product assumes a balance of $50,000 at the beginning of the year. Additional fees and costs may apply. If you have insurance, premiums will apply. Investment fees and costs includes an amount of 0.00% to 0.25% for performance fees. See the relevant product disclosure statement (PDS) for full details.

3. These amounts include fees and costs paid from reserves of 0.07%, which are not charged directly to the member’s account. This amount also includes a Trustee fee that is held separately in a trustee capital reserve.

4. Investment fees and costs includes an amount of 0.00% to 0.25% for performance fees. See the relevant product disclosure statement (PDS) for full details.