Why QSuper?

A focus on delivering strong long-term returns

Can I join?
When members come first, we all win 8 Header awards
When members come first, we all win 8
Header awards

Performance

Focused on strong returns

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,1 and their 15-year platinum rating.2

This result is driven by our unique investment approach that aims to provide consistent growth over the long term with less risk.

10-year annual return - Balanced option3

8.61% p.a.

As at 30 June 2021

Platinum performance

15-year platinum performance

SuperRatings Platinum Performance rating 15 years.

Our performance

Fees

Simple, transparent fees

We believe in keeping fees low. In fact, our fees are among the lowest in the country.4

Our members also don't pay any transaction or switching fees, except when buying individual shares and ETFs through Self Invest.

Select account balance

 

$350 QSuper annual fee

 

$610 Average annual fee

SuperRatings Fundamentals Report, 31 August 2021. For the QSuper Balanced option.5
 
Our fees

Keep your super in good hands

No matter where you work, as a QSuper member, you can enjoy knowing you're part of one of Australia's most-awarded super funds.

How your super is invested. Manage your own investments or let us take care of it for you.

QSuper Lifetime

Let us manage your investments

We offer an industry-leading investment option that automatically adjusts your investment strategy based on your age and account balance. You don’t have to lift a finger, while you enjoy now, knowing we're looking after you.

Find out more
Diversified and Single Sector

Take some control

Mix and match our options to suit your investment strategy. Diversified options: Moderate, Balanced, Socially Responsible, or Aggressive. Single sector options: Cash, Diversified Bonds, International Shares, or Australian Shares.

Find out more
Self Invest

Make all the decisions

Take control of where your super is invested. You can invest in S&P/ASX 300 shares, exchange-traded funds (EFTs), and term deposits.

Find out more

Who can open a QSuper account

If you're a new Queensland Government employee, the spouse or child (under 25 years old) of an existing QSuper member, or starting a Lifetime Pension, you can enjoy our products.

If you're not eligible to join QSuper, you can still join Australian Retirement Trust - it's open to all Australians.

Can I join?

Connect with your super anytime, anywhere

Member Online and our app are simple and secure, with everything you need at your fingertips. Staying on top of your super just got a whole lot easier.

Download on the App store Get it on Google Play

Profit for members
We work for members, not shareholders.

We're part of Australian Retirement Trust, one of Australia's oldest and largest super funds,6 and our members have come first for over 100 years. Because we're profit-for-members, you can be assured we're working in your best interests, not someone else's.

$133 billion in funds under administration

Over 100 years of helping members

620,000 QSuper members and counting

Super you can trust. With more than 620,000 members and $133 billion in funds under administration,7 we've helped our members feel good about their super for over 100 years.

Open a QSuper account

If you're eligible to become a QSuper member, it only takes 10 minutes to apply online and start enjoying the QSuper feeling. If not, don't worry - you can still join Australian Retirement Trust.

Can I join?

1. Winner of SuperRatings' Smooth Ride 2022 award. The Smooth Ride 2022 award was won based on the investment performance of the Balanced investment option in the QSuper Accumulation and Income accounts before the 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.

2. Past performance is not a reliable indicator of future performance. Based on the QSuper’s Accumulation account Balanced investment option. SuperRatings Fundamentals report as at 30 June 2021. This finding is based on the industry average measures for $50,000 invested in the Balanced investment option using the actual net returns and fees from the current product disclosure statement when we printed the report. It doesn’t include the cost of insurance. SuperRatings does not issue, sell, guarantee, or underwrite this product. When making decisions about the product, you should consider things like fees, the services and benefits offered, and long-term performance. 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.

3. Past performance may not be a reliable indicator of future performance. QSuper’s Accumulation account, Balanced Option only. The return is a compound annualised return reflected after administration fees, investment fees, 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. These returns were achieved before QSuper became part of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.

4. Chant West Super Fund Fee Survey, March 2021. The Chant West data is based on information provided by third parties that is believed to be accurate. Chant West does not issue, sell, guarantee, or underwrite this product. The findings are based on account balances of $25,000 and $50,000. Only administration and investment fees and costs are covered. Fees are gross of income tax. Go to chantwest.com.au for further information about the methodology used and Chant West's Financial Services Guide. For the QSuper investment options: Lifetime option Focus 1, Aggressive, Balanced, and Moderate. © 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. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. As the fee structure of the product remains the same, this ranking still applies.

5. The annual fee for QSuper Balanced options comprises of the investment fee, indirect cost ratio, and admin fee (% p.a.), which 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. The average super fund annual fee is modelled on a small ($500K) employer size and is sourced from SuperRatings Fundamentals Reports, 31 August 2021. SuperRatings does not issue, sell, guarantee, or underwrite this product.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. Past performance is not a reliable indicator of future performance. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. As the fee structure of the product remains the same, this ranking still applies.

6. Australian Prudential Regulation Authority (APRA), Annual Fund-level Superannuation Statistics, June 2020 edition (re-issued 26 March 2021) for assets.

7. Funds under administration as at 30 June 2021. These net assets include QSuper retirement funds and employer-sponsor receivables for Defined Benefit members managed and held by Queensland Treasury.

8. 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.
Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Past performance is not a reliable indicator of future performance. Go to moneymag.com.au for details of its ratings criteria.