Founded in 1913, QSuper is a super fund and linked primarily to employees of the Queensland Government.
In 2022 they merged with Sunsuper to form Australian Retirement Trust.
As of September 30th 2024 the QSuper portion of the fund had approximately 697,620 members and $142.43 billion in assets under management.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Past performance is not a reliable indicator of future performance.
QSuper has mostly underperformed the benchmark Across their main investment options in some cases by a considerable margin.
Select an investment option from the menu below to see performance Vs the relevant median.
For a comparison against all other funds see compare super funds.
Fees for QSuper’s main investment options are lower than the median of other options of the same risk profile on Review My Super.
Select an investment option from the menu below to see flat fees, percentage based fees and total fees on a balance of $50,000.
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 | 10.57% | 9.82% | 7.05% |
| Median | 10.4% | 12.1% | 9.1% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 VS Median | 0.17% | -2.28% | -2.05% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 | 62.4 | 0.6% | $362.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 32.25% | |
| 2 | International Shares | 33.25% | |
| 3 | Fixed Interest | 1% | |
| 4 | Alternative | 23.5% | |
| 5 | Property | 8% | |
| 6 | Cash | 2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 | 7.08% | 6.7% | 4.06% |
| Median | 7.8% | 8.3% | 6.1% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 VS Median | -0.72% | -1.6% | -2.04% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 | 62.4 | 0.43% | $277.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 17.75% | |
| 2 | International Shares | 18.25% | |
| 3 | Fixed Interest | 45.5% | |
| 4 | Alternative | 13% | |
| 5 | Property | 4.5% | |
| 6 | Cash | 1% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 | 7.9% | 7.88% | 4.99% |
| Median | 9.3% | 10.3% | 7.7% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 VS Median | -1.4% | -2.42% | -2.71% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 | 62.4 | 0.51% | $317.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 24.25% | |
| 2 | International Shares | 25% | |
| 3 | Fixed Interest | 25.75% | |
| 4 | Alternative | 17.5% | |
| 5 | Property | 6% | |
| 6 | Cash | 1.5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 | 8.97% | 8.64% | 5.83% |
| Median | 9.3% | 10.3% | 7.7% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 VS Median | -0.33% | -1.66% | -1.87% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 | 62.4 | 0.54% | $332.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27.5% | |
| 2 | International Shares | 28.25% | |
| 3 | Fixed Interest | 15.75% | |
| 4 | Alternative | 19.75% | |
| 5 | Property | 7% | |
| 6 | Cash | 1.75% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 | 8.55% | 8.42% | 5.19% |
| Median | 9.3% | 10.3% | 7.7% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 VS Median | -0.75% | -1.88% | -2.51% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 | 62.4 | 0.55% | $337.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27.5% | |
| 2 | International Shares | 28.25% | |
| 3 | Fixed Interest | 15.75% | |
| 4 | Alternative | 19.75% | |
| 5 | Property | 7% | |
| 6 | Cash | 1.75% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 | 7.51% | 7.2% | 4.77% |
| Median | 7.8% | 8.3% | 6.1% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 VS Median | -0.29% | -1.1% | -1.33% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 | 62.4 | 0.44% | $282.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 19.5% | |
| 2 | International Shares | 19.75% | |
| 3 | Fixed Interest | 40.5% | |
| 4 | Alternative | 14% | |
| 5 | Property | 5% | |
| 6 | Cash | 1.25% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 | 7.05% | 7.2% | 4.15% |
| Median | 7.8% | 8.3% | 6.1% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 VS Median | -0.75% | -1.1% | -1.95% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 | 62.4 | 0.48% | $302.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 21% | |
| 2 | International Shares | 21.5% | |
| 3 | Fixed Interest | 35.75% | |
| 4 | Alternative | 15.5% | |
| 5 | Property | 5% | |
| 6 | Cash | 1.25% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook | 10.55% | 9.79% | 6.94% |
| Median | 10.4% | 12.1% | 9.1% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook VS Median | 0.15% | -2.31% | -2.16% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook | 62.4 | 0.61% | $367.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 32.25% | |
| 2 | International Shares | 33.25% | |
| 3 | Fixed Interest | 1% | |
| 4 | Alternative | 23.5% | |
| 5 | Property | 8% | |
| 6 | Cash | 2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced | 10.58% | - | - |
| Median | 9.3% | - | - |
| Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced VS Median | 1.28% | - | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced | 62.4 | 0.77% | $447.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25.5% | |
| 2 | International Shares | 27.5% | |
| 3 | Fixed Interest | 17% | |
| 4 | Alternative | 14% | |
| 5 | Property | 14% | |
| 6 | Cash | 2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth | 10.23% | - | - |
| Median | 10.4% | - | - |
| Australian Retirement Trust - QSuper Accum. - High Growth VS Median | -0.17% | - | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth | 62.4 | 0.81% | $467.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 32.25% | |
| 2 | International Shares | 33.25% | |
| 3 | Fixed Interest | 1% | |
| 4 | Alternative | 23.5% | |
| 5 | Property | 8% | |
| 6 | Cash | 2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth Index | 11.67% | - | - |
| Median | 10.4% | - | - |
| Australian Retirement Trust - QSuper Accum. - High Growth Index VS Median | 1.27% | - | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth Index | 62.4 | 0.19% | $157.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 39.75% | |
| 2 | International Shares | 50.25% | |
| 3 | Fixed Interest | 10% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Balanced | 9.55% | - | - |
| Median | 9.3% | - | - |
| Australian Retirement Trust - QSuper Accum. - Balanced VS Median | 0.25% | - | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Balanced | 62.4 | 0.76% | $442.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25.5% | |
| 2 | International Shares | 27.25% | |
| 3 | Fixed Interest | 15.25% | |
| 4 | Alternative | 22% | |
| 5 | Property | 8% | |
| 6 | Cash | 2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Conservative | 5.9% | - | - |
| Median | 6.2% | - | - |
| Australian Retirement Trust - QSuper Accum. - Conservative VS Median | -0.3% | - | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Conservative | 62.4 | 0.71% | $417.4 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 8.5% | |
| 2 | International Shares | 9% | |
| 3 | Fixed Interest | 44.25% | |
| 4 | Alternative | 18% | |
| 5 | Property | 7.5% | |
| 6 | Cash | 12.75% |
Whilst most members are offered default Death and Total and permanent Disablement Cover, they can also apply for Income Protection Cover.
Additional cover is available with the following limits:
Death – $3 million
TPD – $3 million.
Income protection – up to 87.75% of your income with a maximum of $50,000 per month.
Insurance is provided by QInsure Limited.
Insurance rating by Omnilife.
Please note: This is the overall rating before individual circumstances are taken into account. Individual circumstances will vary the rating significantly.
See the QSuper ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further details.
QSuper has underperformed vs the benchmark across many of it’s main investment options. Fees are lower than the median of other options of the same risk profile on Review My Super. Based on the past performance it’s hard to say it’s been a good super fund.
However, past performance isn’t a reliable indicator of future performance and there are many factors which determine whether a super fund is good or bad and it can differ depending on personal requirements. It’s best to seek advice from a qualified adviser in order to work out which is the best super fund for you.
Yes, it is an APRA fund.
No, it’s a public sector super fund.
QSuper Reviews: 1.6 out of 5 stars from 23 customer reviews on Australia’s best superannuation review site Review My Super.
See more Super Fund Reviews to compare ratings and reviews across funds.
