Australian Retirement Trust
QSuper Lifetime
To 30 June 2026, QSuper Lifetime returned 7.29% a year over 10 years to a member with $50,000, after fees and taxes, against a median of 8.03% across MySuper products: 36th highest of 45. It charged $350 a year in total fees on a $50,000 balance (median $410), 10th lowest of 50, and passed APRA's 2026 performance test.
To 30 June 2026, for a $50,000 member. MySuper median 8.03%.
- Fees on $50,000
- $350median $410
- Members' accounts
- 505,860
- Assets
- $72.3 billion
- Growth assets
- 91%
Returns a year, against the MySuper median
After fees and tax, for a $50,000 member, to 30 June 2026, for its Aspire 1 Group stage.
- 3 years9.45%9.93%
- 5 years6.15%6.90%
- 7 years6.64%7.42%
- 10 years7.29%8.03%
Fees at each balance, against the median
Total fees and costs a year, as a share of the balance and in dollars, for the same stage.
- $10,0001.19% $1191.23% $123
- $25,0000.82% $2050.91% $228
- $50,0000.70% $3500.82% $410
- $100,0000.63% $6300.77% $770
- $250,0000.60% $1,5000.75% $1,875
What a $50,000 member earned, after fees and tax
For its Aspire 1 Group stage, 91% in growth assets, the stage with the most growth assets. Every stage is listed below.
| A year over | This product | MySuper median | Difference | Against its benchmark |
|---|---|---|---|---|
| 3 years | 9.45% | 9.93% | down 0.48 | down 1.34 |
| 5 years | 6.15% | 6.90% | down 0.75 | down 0.62 |
| 7 years | 6.64% | 7.42% | down 0.78 | down 0.91 |
| 10 years | 7.29% | 8.03% | down 0.74 | down 0.33 |
Differences are in percentage points a year. "Against its benchmark" compares the return before administration fees with APRA's benchmark portfolio built from this product's own mix of assets: above zero means its investment choices added value.
What it charges at five balances
| Balance | Administration | Total fees and costs | MySuper median total |
|---|---|---|---|
| $10,000 | $680.68% | $1191.19% | $123 |
| $25,000 | $780.31% | $2050.82% | $228 |
| $50,000 | $900.18% | $3500.70% | $410 |
| $100,000 | $1200.12% | $6300.63% | $770 |
| $250,000 | $2000.08% | $1,5000.60% | $1,875 |
A year, as APRA calculated them for 2026. Total fees and costs add investment and transaction costs to administration; insurance premiums are not included. Lifecycle fees are for the stage shown above.
QSuper Lifetime passed in 2026, 2025 and 2024
- 2026Passed
- 2025Passed
- 2024Passed
Its 2026 test measure, among all 49 MySuper products measured
The further right, the more a product beat the benchmark built from its own investments. Hover or tap a dot for its name.
Met APRA's benchmark. Its 2026 test measure was -0.28% a year over 10 years: its return against APRA's benchmark, adjusted for how its administration fees compare. -0.50% or lower fails.
Earlier years match on fund and product name, so a product that has been renamed shows no earlier result. Every 2026 result.
Members move through these 9 stages as they age
| Stage | Growth assets | 3 yrs | 5 yrs | 10 yrs | Fees on $50k |
|---|---|---|---|---|---|
| Aspire 1 GroupShown above | 91% | 9.45% | 6.15% | 7.29% | $350 |
| Aspire 2 Group | 77% | 7.95% | 4.60% | 6.09% | $320 |
| Focus 1 Group | 77% | 8.25% | 5.17% | 6.34% | $320 |
| Focus 2 Group | 68% | 7.47% | 4.51% | 5.69% | $300 |
| Focus 3 Group | 59% | 6.79% | 3.87% | 5.03% | $280 |
| Outlook Group | 91% | 9.39% | 6.06% | 7.13% | $345 |
| Sustain 1 Group | 54% | 6.95% | 4.51% | 4.74% | $270 |
| Sustain 2 Group | 50% | 6.51% | 4.10% | 3.74% | $260 |
| Sustain 3 Group | 45% | 6.43% | 4.05% | 3.71% | $250 |
Returns a year to 30 June 2026, after fees and taxes, for a $50,000 member, as APRA reports them for each stage.
About this product
- Fund
- Australian Retirement Trust
- Trustee
- Australian Retirement Trust Pty Ltd
- Type
- Generic MySuper
- Offer
- Public offer
- APRA's product name
- QSuper Lifetime
APRA does not publish fund websites or disclosure documents. Your annual statement and the fund's product disclosure statement have the full fee and insurance details.
Compare it
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Questions about QSuper Lifetime
- Did QSuper Lifetime pass the 2026 performance test?
- QSuper Lifetime passed APRA's 2026 performance test, with a test measure of -0.28% a year against a fail line of -0.50%. Earlier results: 2024 passed, 2025 passed.
- What are QSuper Lifetime's fees?
- APRA's 2026 figures put its total fees and costs at $119 a year on $10,000, $205 a year on $25,000, $350 a year on $50,000, $630 a year on $100,000 and $1,500 a year on $250,000. Administration fees are $90 of the $350 on $50,000. Insurance premiums are extra.
- What has QSuper Lifetime returned?
- For a member with $50,000, after fees and taxes, to 30 June 2026: 9.45% a year over 3 years, 6.15% a year over 5 years, 6.64% a year over 7 years and 7.29% a year over 10 years, for its Aspire 1 Group stage. Past returns do not predict future ones.
Source: Australian Prudential Regulation Authority (APRA), Comprehensive Product Performance Package 2026: data to 30 June 2026, published 28 August 2026. Licensed under CC BY 4.0 and normalised by The Finance Algorithm, which shows APRA's figures as percentages and dollars a year. APRA has not reviewed or endorsed this page.
General information only, not financial advice. Past performance is not a reliable indicator of future returns. Check your fund's product disclosure statement and your annual statement before you act, and consider whether advice suits your situation.