A focus on strong performance
SuperRatings' Pension of the Year 4 years in a row4
Helping you enjoy today and plan for the future
Our superannuation and retirement accounts make planning your retirement simple - whatever your stage of
life. We've received numerous awards for providing the best
value for our members, from their working life
through to enjoying retirement.
Grow your super while working, and make withdrawals once retired at your access age.
Who's this for?
You're working and/or saving for your future, and you're a QSuper member or eligible to become one.
Access some of your super while you’re still working.
You're under 65, reached your access age, still working, and you're a QSuper member or eligible to become one.
Turn your super into a regular income when you stop working.
You've reached your access age and retired, and you're a QSuper member or eligible to become one.
An income for life, designed to be used with our Retirement Income account.
Our Lifetime Pension is open to anyone who's retired and aged from 60 to your 80th birthday.
Our Defined Benefit account was designed to provide Queensland Government workers with an amount that reflects their years of service to the state and final salary. As the retirement benefit is calculated using a formula, it's not impacted by market movements.
Each of our account types has different features depending on your current life stage.
Transition to Retirement
From your access age up to 65
Your access age and retired
60-80th birthday and retired
Up to age 75, closed to new members
Our Lifetime Pension is designed to work hand in hand with the QSuper Retirement Income account for a
complete retirement solution.
With the financial security of an income for life, you can decide how much of your super you'd like
to allocate to each product.3
If you're not already a QSuper member, you can pair Lifetime Pension with Australian Retirement Trust's Super Savings Retirement Income account.
If you're eligible to become a QSuper member, it only takes around 10 minutes to apply online.
1. A Retirement Income account can help maximise your savings, with tax-free investment earnings and no
tax on payments or withdrawals after you turn 60.
2. Lump sum withdrawals are generally not available for Accumulation unless retired or early access (e.g. financial hardship, compassionate grounds, terminal medical condition, or total and permanent disability), or for TTR accounts. However, members may be eligible to withdraw unrestricted, non-preserved amounts.
3. Subject to transfer balance cap and minimum investment amounts. Further details are available in the
QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf).