_{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 net of administration fees and costs, investment fees and costs, transaction costs and where applicable, investment taxes. From 1 July 2024 investment performance is net of investment fees and costs, transaction costs and where applicable, investment taxes, but gross of administration 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. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022.}