We're launching a new investment option menu on 1 July 2024. Please visit the Info hub to learn how this affects Accumulation and Income accounts.
How QSuper Lifetime works
Lifetime is the only super investment option that automatically personalises your investment strategy based on your age and account balance, helping you get the most out of your super.
Suited to your life stage
When you’re younger and focussed on growing your balance, we’ll automatically put more emphasis on growth.
When you’re nearing retirement, we’ll switch to a more stable strategy that protects your savings.
Adapts to your balance
This option also considers your Lifetime account balance when setting your investment strategy. If you're
nearing retirement with a low account balance, we'll make sure your super still has a chance to grow.
A set and forget solution
Every 6 months, we'll assess your age and balance and, if needed, move your money to another Lifetime
group. We take care of all that behind the scenes – which means you can rest easy.
Lifetime investment groups1
-
Outlook (aged under 40)
Outlook focuses on growth and aims to maximise your returns while you're still in a
life stage where
you can take on extra risk.
-
Aspire (aged 40-49)
Aspire focuses on growth, but depending on your Lifetime account balance, will have a
more aggressive
or conservative investment strategy.
-
Focus (aged 50-57)
Focus changes your investment strategy away from growth and more towards protecting
your
superannuation
savings, based on your Lifetime account balance.
-
Sustain (aged 58 or over)
Sustain protects your savings as you near retirement. If you have a low account
balance,
our aim is to
still give your super a chance to grow.
Lifetime group |
Your age |
Lifetime balance |
Cost of product for $50,0002
|
Risk |
|
Under 40 |
Any balance |
$400 p.a. |
High |
|
40-49 |
Less than $50,000 |
$385 p.a. |
High |
|
40-49 |
$50,000 or more |
$355 p.a. |
Medium to high |
|
50-57 |
Less than $100,000 |
$345 p.a. |
Medium to high |
|
50-57 |
$100,000 to less than $250,000 |
$325 p.a. |
Medium |
|
50-57 |
$250,000 or more |
$310 p.a. |
Medium |
|
58 or over |
Less than $300,000 |
$280 p.a. |
Medium |
|
58 or over |
$300,000 or more |
$260 p.a. |
Low to medium
|