Fee details

Because we're profit-for-member, we only charge the fees we need to

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QSuper fees breakdown

The cost of managing your account is split into administration fees, investment fees, and indirect costs. We calculate and take out the fees and costs before we declare the unit price, every working day.

  Fee p.a.1
Investment option Administration Investment base Performance-based Indirect cost ratio Total
Lifetime
Outlook Outlook
  • Age: Under 40
  • Balance: Any Balance
 0.16% 0.31% 0.24% 0.10% 0.81%
Aspire 1 Aspire 1
  • Age: 40-49
  • Balance: Less than $50,000
 0.16% 0.27% 0.20% 0.09% 0.72%
Aspire 2 Aspire 2
  • Age: 40-49
  • Balance: $50,000 or more
 0.16% 0.27% 0.20% 0.09% 0.72%
Focus 1 Focus 1
  • Age: 50-57
  • Balance: Less than $100,000
 0.16% 0.23% 0.16% 0.08% 0.63%
Focus 2 Focus 2
  • Age: 50-57
  • Balance: $100,000 to less than $250,000
 0.16% 0.23% 0.16% 0.08% 0.63%
Focus 3 Focus 3
  • Age: 50-57
  • Balance: $250,000 or more
 0.16% 0.23% 0.16% 0.08% 0.63%
Sustain 1 Sustain 1
  • Age: 58 or over
  • Balance: Less than $300,000
 0.16% 0.17% 0.10% 0.04% 0.47%
Sustain 2 Sustain 2
  • Age: 58 or over
  • Balance: $300,000 or more
 0.16% 0.17% 0.10% 0.04% 0.47%
Diversified and single sector
ModerateModerate
0.16% 0.17% 0.10% 0.04% 0.47%
BalancedBalanced
0.16% 0.27% 0.19% 0.08% 0.70%
Socially ResponsibleSocially Responsible
 0.16% 0.22% 0.01% 0.10% 0.49%
AggressiveAggressive
 0.16% 0.30% 0.22% 0.10% 0.78%
CashCash
0.16% 0.06% 0.00% 0.00% 0.22%
Diversified BondsDiversified Bonds
 0.16% 0.14% 0.07% 0.28% 0.65%
International SharesInternational Shares
 0.16% 0.08% 0.00% 0.02% 0.26%
Australian SharesAustralian Shares
 0.16% 0.08% 0.00% 0.00% 0.24%
Admin fee

Admin fee

Our capped admin fee covers the general cost of managing your super, including our in-house contact centre, educational seminars, advice about your super, and the systems and processes that support our award-winning  products.

Investment fee

Investment fee

Our investment fees cover the cost of managing your investments:

  • Investment base fee – to manage the investment groups within each investment option
  • Performance-based fee – made to investment managers for generating positive returns on their investment groups.
Indirect cost ratio

Indirect cost ratio

Indirect costs are other costs not included in the investment fees, e.g. brokerage, stamp duty, and operational costs for our real estate investments.

Our annual fee caps mean more money for you

At QSuper, we're committed to making sure your super doesn't get eaten up by fees.

To protect your super, we cap your admin fee, so if you ever pay more than $900 a year, we'll refund the difference in July of the following financial year as a rebate.

More about the admin fee cap rebate

  • You're only eligible for a rebate if you still hold an Accumulation or Income account when we pay the rebate.
  • If you're eligible for an admin fee cap rebate of more than $25, we'll contact you with all the details, and it will appear in Member Online and on your annual statement.
  • If the value of your admin fee cap rebate is 5% or more of your balance, it will count towards your concessional contributions cap.
QSuper product disclosure statement (PDS)

See our product disclosure statements (PDS) for more information about fees and costs you may be charged.

Accumulation and Income account fees

We believe in keeping fees low – so you won't pay any transaction or switching fees, unless you choose the Self Invest option (below).

Find out more
Fees
Amount
Member fee
Nil
Contribution fee
Nil
Administration fee
0.16% p.a.
Deducted each day before the unit price is declared.
Investment fee
Deducted each day before the unit price is declared.
Buy-sell spread
Nil
Investment switching fee
Nil
(Unlimited switches p.a.)
Benefit payment fee
Nil
Exit fee
Nil
Family law super splitting fee
Nil
Partial rollover fee
Nil
Insurance premiums
If you have insurance through your Accumulation account, check your premiums in Member Online or use our Insurance Premium Estimator.
Advice fee
Nil

You can get advice about your super and insurance through your QSuper account over the phone - find out more.

Self Invest option fees

Direct trading comes with different costs, such as brokerage and an ETF management fee. But unlike with other super funds, you won't pay a cash management fee.

Find out more
Self Invest fees
Value
Access fee
$299 per annum (pro rata), calculated daily and deducted monthly.
Brokerage fee for ETFs and shares

Order value

up to $10,000

$10,001 - $27,500

$27,501 +

Fee per trade2

$19.50

$29.50

$29.50 plus 0.11% for amounts over $27,500

ETF management fees
Up to 1%. ETF management fees are deducted by the ETF manager before the return of the underlying ETF investment is declared. View more details.
Cash management fee
Nil

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Because we're profit-for-members, we aim to keep fees low to benefit you. Join more than half a million Australians who enjoy the QSuper feeling.

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1. The investment fee and indirect cost ratio are based on the fees and costs for the financial year ended 30 June 2021. 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. For the Diversified Bonds investment option, the figure was updated on 26 July 2021 using the latest data available.
2. These rates exclude GST. GST is applied to the brokerage fee and you will be entitled to a credit of 75% on any GST paid.