QSuper retirement bonus Give your retirement a head start with a bonus

Australia's most highly-awarded retirement account in super1 Award logos

What is the QSuper retirement bonus?

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.



The QSuper retirement bonus is uncapped, which could mean more money in your pocket.



Your retirement bonus amount reflects factors including your investment history with us.

How the retirement bonus works

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.

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    Before you retire

    When we invest your super, we put aside money to pay capital gains tax when we make a profit on assets in your investments.

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    Setting up your retirement income

    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.

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    Receiving your bonus

    If you're eligible, we pay the money set aside for tax into your account as a bonus.

How your retirement bonus is calculated

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:

  • Your superannuation balance
  • The length of time you've had this QSuper account
  • Your investment options (past and present)
  • The time you transfer your money
  • Our tax position at that time.

For more information about how the bonus is calculated, refer to the Accumulation Account Guide (pdf).

Calculate your retirement bonus amount

If you're 45 or older, log in to Member Online to see how much your retirement bonus could be.

View your bonus estimate

Am I eligible for a retirement bonus?

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:

  • The investment options you are invested in affect the amount of bonus you may receive, as some assets attract a higher bonus than others. Any money in the Cash and Diversified Bonds investment options does not qualify for the retirement bonus.
  • Money invested in our Self Invest option doesn't qualify for the retirement bonus because you can move your entire investment portfolio to a Retirement Income account or Lifetime Pension without having to pay tax.
  • If you've been invested in an investment option for less than 2 months, you won't receive a retirement bonus for that investment option.
  • If you open an Income account or Lifetime Pension with money from a superannuation death benefit, you aren't eligible for a retirement bonus.

Retire with us

Enjoy more confidence and security in life after work, with our award-winning Retirement Income account and our award-winning, Australia-first Lifetime Pension. Not yet a QSuper member?


More than 50,000 Australians are enjoying retirement with QSuper products. 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.

  1. These awards were 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.
    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.
    © Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401, 2021. It is only current at the date awarded by Chant West. The rating and associated material is only intended for use by Australian residents within the jurisdiction of Australia, and is not permitted to be considered or used by a party outside of Australia. Chant West does not issue, sell, guarantee, or underwrite this product. For further information about the methodology used by Chant West, see chantwest.com.au. Chant West has given and has not withdrawn its written consent to the inclusion on this website of the references to Chant West and the inclusion of the ratings logo or rating in the form and context in which they are included. Past performance is not a reliable indicator of future performance. Awards and ratings are only one factor when deciding how to invest your super.
  2. Figures are rounded and are current as at 31 December 2021.