📅 A Century of Service QSuper's roots trace back to 1913 in Queensland, when it was founded to provide a superannuation fund for Queensland Government employees. This long history demonstrates a commitment to helping Australians save for their retirement and support them in times of need.
📍 Brisbane-Based and Member Focused Originally headquartered in Brisbane, QSuper has always operated with a profit-for-members ethos. The core mission is to work solely for the financial well-being of its members, not for external shareholders.
🤝 An Australian Retirement Trust In 2022, QSuper merged with Sunsuper to become part of Australian Retirement Trust (ART), one of Australia's largest superannuation funds. QSuper continues to be a brand within ART, focused on serving its existing members, Queensland Government employees, and their families.
🛡️ Pioneering Investment Approach QSuper is known for its risk-balanced investment philosophy, designed to smooth out market volatility and deliver consistent, long-term returns. A key product is the industry-leading Lifetime investment option, which automatically personalises a member's strategy based on their age.
Assets Under Management
$130 Billion
Total Members
500,000 Members
ESG Options
Ethical Options
Est. Annual Fee
$342 on $50k
QSuper's default option, Lifetime, is an age-and-balance-based lifecycle strategy. Younger members (under 45) are placed in the growth-oriented Outlook group, while members approaching and in retirement gradually shift into more defensive groups — Aspire, Focus, and Sustain. The fund automatically reviews each member's allocation every six months. Investments span Australian and international shares, property, infrastructure, fixed interest, and cash, managed through a combination of in-house and external managers.
At an estimated $342 per year on a $50,000 balance, QSuper sits well below the industry median of $467. The fund's low-cost position is supported by a flat weekly administration fee of $1.20 plus a percentage-based fee of 0.06% per annum, capped at $500 per year. Its scale as part of Australian Retirement Trust helps keep investment management costs competitive.
QSuper suits Queensland Government employees and their families who want a low-fee, profit-for-member fund with a hands-off default investment approach. It is particularly well-suited for members who prefer an automatically managed lifecycle strategy and value the convenience of employer-integrated superannuation with automatic insurance cover.
Default Option as at 30 June 2025
| Option Name ↑ | 1 Year ↕️ | 3 Year ↕️ | 5 Year ↕️ | 10 Year ↕️ |
|---|---|---|---|---|
| Lifetime Aspire 1 | +7.57% | +7.66% | +5.88% | +7.10% |
| Lifetime Aspire 2 | +6.20% | +5.96% | +4.44% | +5.96% |
| Lifetime Focus 1 | +6.57% | +6.43% | +4.92% | +6.15% |
| Lifetime Focus 2 | +5.88% | +5.62% | +4.29% | +5.52% |
| Lifetime Focus 3 | +5.29% | +4.91% | +3.64% | +4.87% |
| Lifetime Outlook | +7.53% | +7.60% | +5.77% | +6.94% |
| Lifetime Sustain 1 | +5.48% | +5.66% | +4.13% | +4.52% |
| Lifetime Sustain 2 | +5.18% | +5.28% | +3.58% | +3.46% |
| Lifetime Sustain 3 | +4.73% | N/A | N/A | N/A |
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