1. Refer to the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information.
2. You can only restart an Income account once in a financial year, and you can not restart if your Income account is a death benefit income stream. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is an overall transfer balance cap on the amount that can be held tax-free in an Income account (totalled across all Income accounts you hold). If you receive regular Centrelink payments, make sure you talk to Centrelink or get financial advice before restarting your account as this may affect your payments. Refer to the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information.
3. If you are under 60 years of age, you may be taxed on lump sum withdrawals. Refer to the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information.
4. 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 key features of this product remain the same.
5. © 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. For further information about the methodology used by Chant West, see chantwest.com.au. This award is solely statement of opinion and does not represent a recommendation to purchase, hold, or sell any securities, or make any other investment decisions. Ratings and awards are subject to change and are only one factor that you should consider when deciding how to invest your super. Past performance may not be a reliable indicator of future performance. This award was received before QSuper became part of Australian Retirement Trust on 28 February 2022. The key features of this product remain the same.