Performance

Focused on strong long-term returns

Your super savings are the investment of a lifetime and that's why we focus on delivering strong long-term returns for our members to enjoy in retirement.

We're honoured to have that focus recognised by SuperRatings' 2022 Pension of the Year and Smooth Ride awards for our Balanced option.2

Our performance
10-year annual return - Balanced option3

8.82% p.a.

As at 30 June 2022

Pension of the Year

Pension of the Year 2022

SuperRatings named us the best account-based pension in Australia

Who can retire with QSuper

You can open our award-winning QSuper Lifetime Pension if you're retired and aged from 60 up to your 80th birthday. If you're eligible to open a QSuper account, you can enjoy any of our retirement solutions. If not, you can still retire with Australian Retirement Trust.

QSuper retirement income solutions. Your retirement is unique to you – so you can use our products to suit your individual needs as life changes.

Before retirement

Transition to Retirement Income account

With a Transition to Retirement (TTR) Income account, you enjoy regular payments from your super while you're still working.

This means you can reduce your work hours without reducing your income, or use the account as a tax strategy in the lead-up to retirement. You choose how and when you get paid, and how your balance is invested.

Find out more
In retirement

Retirement Income account

Our award-winning Retirement Income account lets you pay yourself a regular income from your super once you finish work, with the balance invested.

This account provides tax-free investment earnings, and no tax on your income payments or withdrawals after you turn 60. We even pay a potential retirement bonus when you move from an Accumulation account or TTR Income account.

Find out more
In retirement

Lifetime Pension

Worry less about whether your super will last. Our award-winning Lifetime Pension provides tax-free income payments for the rest of your life, while also potentially making you eligible or increasing your Age Pension payments.

This product offers the option for your spouse to receive your payments after you die, money-back protection, and a potential retirement bonus when you move from an Accumulation account or TTR Income account.

Find out more

Which option is right for me?

Call us for help with understanding your options and planning your retirement with us.

Request a call to discuss

You're just a click or a tap away from your super anytime, anywhere

Keep track of your super and get the latest information at your fingertips, with our app or Member Online.

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Support to help you make informed decisions about your future

Retirement seminars

Our retirement planning and financial wellbeing seminars can tell you what strategies really work, so you can start planning now.

Personal advice

For peace of mind, financial advisers are just a call or a few clicks away, so you can make a plan to maximise your retirement savings.

Retirement calculators

Use our super and retirement planning calculators to estimate whether you're on track to live the lifestyle you want in retirement.

Profit for members
As part of a profit-for-members fund, we work for members, not shareholders. So you can be sure we're working in our members' best interests, not someone else's.

More than $200 billion in retirement savings

140 years’ combined experience helping members

Over 2 million members, and counting

Super you can trust. QSuper is part of Australian Retirement Trust, one of Australia's largest super funds.

Open a QSuper account

Join 51,000 QSuper members who are enjoying their retirement with us. If you're not eligible to open a QSuper account, don't worry – you can still retire with Australian Retirement Trust.

Open account

1. SuperRatings 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. These awards are solely a statement of opinion and does not represent a recommendation to purchase, hold, or sell any securities, or make any other investment decisions. Ratings, awards, or investment returns 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. Visit our awards page for more information. The ratings are 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. 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.

Chant West award: © 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/AFS Rep No. 1280401. Chant West Awards issued 2022 and determined using proprietary methodologies based on data from third parties and subject to copyright. Chant West does not accept any liability arising from use of its awards. Awards are solely statements of opinion and do not represent recommendations to purchase, hold or sell product(s) or make any other investment decisions. To the extent the awards constitute advice, it is general advice only without taking into consideration the objectives, financial situation or needs, including target markets of financial products. You should consider your personal circumstances, read the PDS or offer document and seek independent financial advice before making investment decisions. Past performance is not an indication of future performance. Awards are current for 12 months from the date awarded and subject to change at any time. Go to www.chantwest.com.au for full information on Chant West's research methodology, processes, ratings definitions and Financial Services Guide.

2. Winner, 2022 Smooth Ride award and Pension of the Year award. The Smooth Ride award are based on the investment results of the Balanced investment option for QSuper Accumulation and Income accounts. 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.

3. Past performance may not be a reliable indicator of future performance. The QSuper Retirement Income account, Balanced Option only. The return is a compound annualised return reflected after fees and costs, 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.