A focus on long-term performance
Our Lifetime Pension won Canstar's Innovation Excellence Award 2023
Why retire with QSuper?
Enjoy life after work with security and confidence
Highly-awarded retirement solutions in super
Our Balanced Risk-Adjusted option aims to grow your super over the long term with the stability to weather the ups and downs of the market. This is the default investment option for our income accounts.
Remember, past performance isn't a reliable indicator of future performance.
10-year annual return - Balanced Risk-Adjusted option1
6.50% p.a.
As at 31 March 2025
Best value for money SuperRatings has given our Income account their top rating for over 15 years.2
Your super is the investment of a lifetime. And just because you're retiring, that doesn't mean your super should stop working, too.
2.4 million members trust us to look after more than $300 billion of their hard-earned retirement savings.
We've got the solutions to help you ease into – and enjoy – your retirement.
With a Transition to Retirement (TTR) Income account, you get regular payments from your super while you're still working.
This means you could reduce your work hours without reducing your income, or use the account as a tax strategy in the lead-up to retirement.
Our Retirement Income account lets you pay yourself a regular income from your super once you finish work. And we keep the balance invested for you.3
This account provides tax-free investment earnings, and no tax on your income payments or withdrawals after you turn 60.
Worried your super might run out when you retire? Our award-winning Lifetime Pension provides tax-free income payments for the rest of your life and could make you eligible for, or increase your Age Pension payments.
Did you know brands across Australia partner with us to give our members exclusive deals and discounts? They can help you save in all parts of your life – from grocery shopping and big household purchases to once-in-a-lifetime experiences and holidays you'll never forget.
Stay with us when you retire, and you could be eligible for a bonus to kickstart your life after work.
Financial advisers are just a call or a few clicks away, so you can make a plan to maximise your retirement savings.
Our admin fee is $1.20 per week + 0.06% p.a. of your balance, + 0.07% p.a. from general reserves (not your account).
Get the most from your retirement with our award-winning pension products. If you're not eligible to open a QSuper account, you can still retire with Australian Retirement Trust.
1. The QSuper Balanced option was renamed to Balanced Risk-Adjusted on 1 July 2024. Returns shown are for Income accounts. Past performance is not a reliable indicator of future performance. For periods up to 30 June 2024, investment returns for this option are after admin fees and costs, investment fees and costs, transaction costs and where applicable, investment taxes. From 1 July 2024, investment performance is after investment fees and costs, transaction costs and where applicable, investment taxes, but before admin fees and costs. You should consider this when comparing returns between options. Investment tax generally doesn't apply to Retirement Income accounts.
2. Based on the Balanced Risk-Adjusted investment option (the QSuper Balanced option was renamed to Balanced Risk-Adjusted on 1 July 2024). Get full details in the SuperRatings Fundamentals report. The rating is issued by SuperRatings Pty Ltd (SuperRatings) ABN: 95 100 192 283 a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445 (Lonsec Research). 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. © 2024 SuperRatings. All rights reserved.
3. Subject to transfer balance cap and minimum investment amounts. Read the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more details.