#1 fund for weathering market ups and downs3
SuperRatings' Pension of the Year three years in a row4
Are you 45 or older? Log in to Member Online to see your potential retirement bonus amount.
The QSuper retirement bonus is our industry-first initiative. We pay you tax savings (if eligible) when you transfer from an Accumulation account or Transition to Retirement Income account, to a Retirement Income account or Lifetime Pension.
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Your retirement bonus is paid automatically when you open a Retirement Income account or purchase a Lifetime Pension.
Unlike other funds, your retirement bonus is uncapped, which could mean more money in your pocket.
Your retirement bonus amount reflects factors including your investment history with us.
Get back certain tax savings on your super when you retire. You don't need to apply - if you're eligible, you'll receive it automatically.
When we invest your super, we put aside money to pay capital gains tax when we make a profit on assets in your investments.
If you decide to transfer your super to our Retirement Income account or Lifetime Pension, your savings move into a tax-free investment environment. This means we don't pay tax on your investment earnings, including capital gains.
If you're eligible, we pay the money set aside for tax into your account as a bonus.
Your retirement bonus is based on the amount of money set aside for tax and your unique investment history, so the average bonus amount varies.
Some of the factors we take into consideration:
For more information about how the bonus is calculated, refer to the Accumulation Account Guide (pdf).
If you're 45 or older, log in to Member Online to see how much your retirement bonus could be.
All of the factors listed above may affect the amount of bonus you may receive, so in some cases even if you're eligible, the bonus may be calculated as zero. For example:
Enjoy more confidence and security in life after work, with our award-winning Retirement Income account and our award-winning, Australia-first Lifetime Pension. They're designed to work together, so you can choose one or combine them both.
More than 50,000 Australians are enjoying retirement with QSuper. Find out why.
If you're thinking about retiring, we can also talk you through your options. Request a call back from us.
You can also attend one of our retirement planning seminars online, or get financial advice about planning your retirement.