Did you know...
A QSuper Accumulation
account uses the principles of addition and subtraction.
James Vuong
QSuper member since 2007
An Accumulation account allows you to actively participate in the growth of your super and select investments that suit your attitude to risk and return.
Key features
- Investment choice
You get a choice in how your super is invested. QSuper offers nine investment options. You can choose from a range of options, from low risk/low return to higher risk/higher return.
- Low fees
With our Accumulation account, you pay one low fee depending on the investment option you choose. There are also no entry fees, no exit fees, and no commissions!
- Flexibility
You can roll in other super balances into your Accumulation account, so you only have one account to manage. You can change the assets your super is invested in for free, up to four times per financial year.
- Income protection insurance
Pay an age based premium to cover 75% of your salary during periods of short-term incapacity.
- Death and total and permanent disability benefit
You never know what's around the corner, so it's important to know you and your dependants are able to cope if you become disabled or die.
How much do I contribute?
As a new QSuper member you start with an Accumulation account and contribute 5% of your base salary, while your employer contributes 12.75% (excluding casual employees and police officers). You can pay less, however this means that your employer will also pay less.
| You pay |
Your employer pays |
| 2% |
9.75% |
| 3% |
10.75% |
| 4% |
11.75% |
| 5% |
12.75% |
How is my retirement benefit calculated?
Your benefit is simply contributions and investment returns, less fees, tax, insurance premiums, and income protection premiums.