Super and pension accounts

Our superannuation and retirement accounts make planning your retirement simple - whatever your stage of life. We've received numerous awards for providing the best value for our members, from their working life through to enjoying retirement.

Everyone
Approaching retirement
Retired
Retired
Closed

Our Defined Benefit account was designed to provide Queensland Government workers with an amount that reflects their years of service to the state and final salary. As the retirement benefit is calculated using a formula, it's not impacted by market movements.

Find out more

Compare account types

Each of our account types has different features depending on your current life stage.

For everyone

Retirement products

Closed

  •  

  • Accumulation

  • Transition to Retirement

  • Retirement Income

  • Lifetime Pension

  • Defined Benefit

  • Available while still working

  • Yes

  • Yes

  • No

  • No

  • Yes

  • Choose investment options

  • Yes

  • Yes

  • Yes

  • No

  • No

  • Tax-free investment returns

  • No

  • No

  • Yes

  • N/A

  • N/A

  • Tax-free income payments over age 60

  • No

  • Yes

  • Yes

  • Yes

  • No

  • Insurance available with account

  • Yes

  • No

  • No

  • No

  • Yes

  • Change payment frequency and amount

  • No

  • Yes

  • Yes

  • No

  • No

  • Income for life

  • no

  • no

  • no

  • Yes

  • no

  • Withdraw lump sums (if eligible)2

  • Yes

  • No

  • Yes

  • No

  • No

  • Not impacted by market movements

  • No

  • No

  • No

  • No

  • Yes

Lifetime pension and Income account icon

Lifetime Pension + Retirement Income account

Our Lifetime Pension is designed to work hand in hand with the QSuper Retirement Income account for a complete retirement solution.

With the financial security of an income for life, you can decide how much of your super you'd like to allocate to each product.3

If you're not already a QSuper account holder, you can pair Lifetime Pension with Australian Retirement Trust's Super Savings Retirement Income account.

Open your account

If you're eligible to become a QSuper account holder, it only takes around 10 minutes to apply online.

Can I join?

1. A Retirement Income account can help maximise your savings, with tax-free investment earnings and no tax on payments or withdrawals after you turn 60.
2. Lump sum withdrawals are generally not available for Accumulation unless retired or early access (e.g. financial hardship, compassionate grounds, terminal medical condition, or total and permanent disability), or for TTR accounts. However, members may be eligible to withdraw unrestricted, non-preserved (cashable) amounts.
3. Subject to transfer balance cap and minimum investment amounts. Further details are available in the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf).