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

10-year annual return - Balanced option3

9.55% p.a.

As at 30 June 2021

Pension of the Year

Pension of the Year 2022

SuperRatings named us the best account-based pension in Australia

Our performance

Fees

Simple, transparent, and low fees

As part of a profit-for-members super fund, we believe in keeping fees low. In fact, our fees and costs are among the lowest in the country4 and our members don't pay any transaction or switching fees.

Select account balance

 

$350 QSuper annual fee

 

$700 Average annual fee

SuperRatings Fundamentals Reports, 30 June 2021. For QSuper's Retirement Income account, Balanced option.5
 
Our fees

Who can retire with QSuper

If you're retired and aged 60-79, you can open our award-winning QSuper Lifetime Pension. If you're eligible to be a QSuper member, you can enjoy any of our retirement solutions. If not, you can still retire with Australian Retirement Trust.

QSuper's 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 offer a potential uncapped 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 uncapped 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.

Download on the App store Get it on Google Play

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 your best interests, not someone else's.

Award-winning, member focussed Because our members come first, you get the best value for money with our award-winning products.

100 years strong We have more than 620,000 QSuper members and $133b in funds under administration.6

More great opportunities Australian Retirement Trust is one of the largest super funds in the country, so we aim to use our scale to return profits to our members as lower fees and better services.

Open a QSuper account

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

Open account

1. These 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 are subject to change. 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. 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. © 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. Go to chantwest.com.au for further information about the methodology used, and see Chant West's 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’s 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. QSuper’s Retirement Income account, Balanced Option only. The return is a compound annualised return reflected after administration fees, investment fees, 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. These returns were achieved before QSuper became part of Australian Retirement Trust on 28 February 2022. The features of this product remain the same.

4. Chant West Super Fund Fee Survey, March 2021. © 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. The Chant West data is based on information provided by third parties that is believed to be accurate. Chant West does not issue, sell, guarantee, or underwrite this product. The findings are based on account balances of $25,000 and $50,000. Only administration and investment fees and costs are covered. Fees are gross of income tax. Go to chantwest.com.au for further information about the methodology used and Chant West's Financial Services Guide. For the QSuper investment options: Lifetime option Focus 1, Aggressive, Balanced, and Moderate. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. As the fee structure of the product remains the same, this ranking still applies.

5. The annual fee for QSuper Balanced options comprises of the investment fee, indirect cost ratio, and admin fee (% p.a.), which are based on the fees and costs for the financial year ended 30 June 2021. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared and may differ from future fees and costs. The Average Super Fund annual fee is modelled on a small ($500K) employer size and is sourced from SuperRatings Fundamentals Reports, 30 June 2021. SuperRatings does not issue, sell, guarantee, or underwrite this product. 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. Past performance is not a reliable indicator of future performance. These findings were made before QSuper became part of Australian Retirement Trust on 28 February 2022. The fee structure of the product remains the same.

6. Funds under administration as at 30 June 2021. These net assets include QSuper retirement funds and employer-sponsor receivables for Defined Benefit members managed and held by Queensland Treasury.