Focused on long-term returns

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

Our performance
10-year annual return - Balanced option2

8.16% p.a.

As at 30 June 2023

SuperRatingsPension of the Year

Best value for money

SuperRatings has given our Income account their top rating for over 15 years.3

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.

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
We're part of a fund that works for members, not shareholders.

We don’t pay shareholders, which means we can give back profits to members as low fees and better services.

More than $240 billion in retirement savings

140 years’ combined experience helping members4

2.2 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 55,000 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. Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.

2. The Australian Retirement Trust QSuper Balanced option (Retirement Income account) has kept the same key features and investment strategy post-merger. Past performance is not a reliable indicator of future performance. Returns shown are based on disclosed unit prices and are compound annualised return, net of fees and tax. See unit prices for more information. See how the QSuper investment options have performed.

3. Based on the Balanced investment option. Get full details in the SuperRatings Fundamentals report. 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 for ratings information and to access the full report. © 2023 SuperRatings. All rights reserved.

4. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022.