Why choose a low fee super fund?

Super funds have different fees and costs, and together with performance, this makes a big difference.

Higher fees will generally eat into your hard-earned retirement savings - meaning less money for you to spend once you stop working.

Choosing a super fund with low fees today can give you more confidence about your financial security for your future.

View our fees

Profit for members
We work for members, not shareholders.

Being profit-for-members means we're working in members' best interests, not someone else's.

How low fees help your balance

Fees and costs can have a substantial impact on your super over the course of your working life.

For example, an increase in fees of just 0.5% can cost a typical full-time worker about 12% of their balance (or $100,000) by the time they reach retirement.1

Graph

Committed to lower fees

With a QSuper account, you benefit from our commitment to return profits to members as lower fees and better services.

Annual fee cap

QSuper accounts have a cap of $875 per year on the administration fees and costs you pay. So we provide a rebate if you pay more than $875 across your Accumulation and Income account/s.

Read more about the fees that will apply to you.

Is a low cost super fund worth it?

While low fees are important to think about when choosing a super fund, investment performance also matters.

We are focused on delivering strong long-term returns for our members. That's why we're honoured to have received SuperRatings' Smooth Ride award for our Balanced option delivering strong performance while smoothing the ups and downs of the market,2 and their 15-year Platinum rating.3

7.79% p.a.

10-year annual return – Balanced option4

As at 30 June 2022

15-year Platinum Performance

Our performance

Compare super funds

Use the SuperRatings comparison tools to compare super funds by both fees and benefits. Our super products are highly rated by SuperRatings and Chant West,2 along with so many other benefits

SuperRatings

Note: The SuperRatings super fund comparison tool is updated quarterly and may not reflect very recent product changes.

1. Productivity Commission, 2018, Superannuation: Assessing Efficiency and Competitiveness , accessed 13 September 2021. Based on starting salary of $50,000 and average insurance premiums of $340.

2. Winner of SuperRatings' Smooth Ride 2022 award. The Smooth Ride 2022 award was based on the investment results of the Balanced investment option for the QSuper Accumulation and Income accounts before QSuper and Sunsuper funds merged. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation, or needs. Consider your personal circumstances, read the product disclosure statement, and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell, or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. ©2022 SuperRatings. All rights reserved. This award was received before QSuper became part of Australian Retirement Trust on 28 February 2022. The QSuper products that received these awards have kept the same key features post-merger.

3. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved. This rating was received before QSuper became part of Australian Retirement Trust on 28 February 2022. The QSuper products that received these awards have kept the same key features post-merger.

4. Past performance may not be a reliable indicator of future performance. The QSuper Accumulation account, Balanced Option only. The return is an compound annualised return reflected after fees and costs, and tax. Disclosed/reported investment returns reflect the returns of the investment option and not individual members, as they do not take into account the timing of contributions, investment switches, or withdrawals.