Q-Strategies Superannuation
Build More for Your Future
A superannuation solution designed to help eligible Australian members manage retirement savings, receive permitted contributions, select from available investment options and track their account over the long term.
Interactive Super Comparison
Compare Long-Term Modelled Outcomes
Adjust the inputs below to compare the Q-Strategies target-return model with current Moneysmart forward-looking superannuation assumptions. Historical performance from named funds is shown separately and is not used as a forecast.
This is the calculator range, not a legal cap on the super account. Actual minimum and maximum conditions are set by the PDS.
Enter the amount actually credited after any applicable contribution tax or deductions. The model increases this contribution with the selected wage-inflation assumption over time.
Results are shown in today's dollars rather than unadjusted future dollars.
Default 3.7% p.a., consistent with ASIC RG 276's prescribed accumulation-phase default when relying on the superannuation-forecast relief. You can change it.
Moneysmart states these return assumptions are net of tax and investment fees. They are assumptions, not forecasts or guaranteed returns.
Moneysmart Balanced Benchmark
Fee basis: Moneysmart's investment-return assumptions are stated as net of tax and investment fees. This illustration does not separately deduct administration fees, insurance premiums or advice fees from either side. Before publishing, the approved Q-Strategies PDS must confirm the basis on which its target returns are quoted and the page should be updated if that basis differs.
Traditional Super Fees & Costs
What a Traditional Super Fund May Charge
Traditional super funds commonly charge administration fees and investment-related costs. Some members may also pay insurance, advice or activity-based fees depending on their account and the services they use.
Administration fees
Ongoing costs of administering the member account. These may include a fixed dollar amount, a percentage of the account balance, or a combination of both.
Investment fees & transaction costs
Costs associated with managing the investment portfolio, including investment management and transaction costs. These are often reflected in investment returns.
Insurance premiums
Death, TPD or income-protection premiums may be deducted from a member's account where insurance cover applies. The amount depends on the cover and member profile.
Advice & member activity fees
Additional costs can apply for personal financial advice, investment switching, buy/sell spreads or other member-initiated services depending on the fund.
Historical Market References
Recent Long-Term Performance From Established Funds
These are historical performance references only. They are deliberately kept separate from the forward-looking calculator and are not used to project future balances.
| Fund | Investment option | 10-year average | Period / basis |
|---|---|---|---|
| AustralianSuper | Balanced | 8.47% p.a. | 10 years to 30 Jun 2026; historical performance |
| Hostplus | Balanced (MySuper) | 8.90% p.a. | 10 years to 30 Jun 2026; net investment return after investment-related fees, costs and taxes; other fees may apply |
| UniSuper | Balanced | 8.30% p.a. | 10 years to 30 Jun 2026; historical performance; account-based fees may be additional |
Q-Strategies Super
What Members Should Review Before Joining
The final product features must match the approved PDS and fund rules.
Investment Strategy
Review the available investment options, asset allocation, target return, risk level and recommended minimum investment timeframe in the PDS.
Fees, Costs & Insurance
Consider administration fees, investment fees and costs, transaction costs, insurance premiums and any advice fees that may reduce your account balance.
Contributions & Account Access
Check which employer, personal and rollover contributions the fund accepts, how your account is administered and when super can legally be accessed.
Super in Australia
Key Things Members Should Know
Super Guarantee
The statutory Super Guarantee rate is 12% for 2026–27, subject to the applicable eligibility and qualifying-earnings rules.
Payday Super
From 1 July 2026, employers generally pay Super Guarantee on payday and contributions generally need to be received by the employee's super fund within 7 business days, subject to applicable exceptions.
Risk & Preservation
Super is invested and can fall in value. It is also generally preserved until a legal condition of release is satisfied.
Important Information
Superannuation Account Terms & Conditions
This website summary must be read together with the current Product Disclosure Statement, Target Market Determination, investment guide, insurance guide, fee disclosures, fund rules and any member account confirmation.
1. Legal product, trustee and eligibility
- Membership is governed by the fund's trust deed, governing rules, current Product Disclosure Statement and applicable superannuation law.
- Applicants must meet the fund's eligibility, identification and acceptance requirements before an account is established.
- The fund may request additional identity, residency, employment, tax or source-of-funds information where reasonably required to administer the account or satisfy legal obligations.
- Providing a Tax File Number is generally voluntary, but choosing not to provide it may affect the fund's ability to accept certain contributions or may result in additional tax being withheld where applicable.
- Employer, personal, rollover and other contributions are only accepted where permitted by law and by the fund's current contribution acceptance rules.
- Rollovers from another superannuation fund remain subject to successful verification, matching of member details and the transferring fund's processing requirements.
- The fund may place temporary restrictions on transactions or account access while identity, contribution, rollover or compliance checks are being completed.
- Members are responsible for keeping their contact, tax, beneficiary and other account information accurate and up to date.
- Electronic communications, online statements and digital account access may be used where permitted, subject to the member's communication preferences and applicable law.
- The calculator begins at AUD 100,000 for scenario modelling. This does not itself establish the product's legal minimum balance; the actual minimum is [PRODUCT MINIMUM / SEE PDS].
- Acceptance of an application does not guarantee that every contribution, rollover, investment instruction or insurance request will be accepted.
- Applications, contributions or transactions may be declined, delayed or restricted where required by law, sanctions controls, AML/CTF obligations, fraud-prevention controls, operational requirements or fund policy.
2. Contributions
- The account may accept eligible employer, salary-sacrifice, personal, rollover and other permitted superannuation contributions as set out in the PDS.
- Contribution caps, tax treatment, age restrictions and acceptance rules apply.
- Concessional contributions may be subject to contributions tax and additional tax may apply in some circumstances.
- Members are responsible for monitoring contributions across all of their superannuation interests where required.
3. Investment options, target returns and risk
- Superannuation savings are invested according to the selected investment option or the fund's default option where no choice is made.
- Investment values can rise or fall. Returns can be positive or negative and are not fixed interest.
- The 0.90%, 1.20% and 1.40% average-monthly figures on this page are target-return modelling scenarios only unless the approved PDS states otherwise.
- A target or objective is not a promise, forecast or guarantee that the return will be achieved.
- The balance-tier mechanism must be described consistently with the approved investment strategy and PDS before publication.
- Past performance is not a reliable indicator of future performance.
4. Fees and costs
Administration fees, investment fees and costs, transaction costs, advice fees and other fees may apply. Insurance premiums may also be deducted where insurance is held. The calculator does not presently deduct account-level administration, insurance or advice costs from either comparison side. Insert the actual Q-Strategies fee basis and update the calculator before publication if required by the PDS.
5. Insurance through super
If insurance is available, death, total and permanent disability and/or income protection cover is governed by the applicable policy, PDS and fund rules. Eligibility, premiums, exclusions, waiting periods, benefit periods and cancellation rules should be reviewed before relying on cover.
6. Consolidating or transferring super
Members may be able to transfer eligible superannuation benefits from another fund. Before consolidating, consider whether transferring could affect insurance, employer benefits, investment features, fees or other rights attached to the existing account.
7. Accessing super
Superannuation is generally preserved for retirement and can only be released where a condition of release under Australian law is satisfied. Early access is limited to specific circumstances permitted by law.
8. Tax
Contributions, investment earnings and benefit payments may be subject to tax. Tax treatment depends on the contribution type, member circumstances and current law. Members should obtain tax advice where appropriate.
9. Beneficiaries
Members may be able to nominate beneficiaries in accordance with the fund's rules. Binding and non-binding nomination requirements, expiry rules and trustee discretion may apply depending on the nomination type.
10. Account security, privacy and communications
Members are responsible for protecting account credentials and promptly reporting suspected unauthorised access. Personal information is handled under the applicable privacy policy and law. Statements and notices may be provided electronically where permitted.
11. Complaints and dispute resolution
Complaints should first be made through the fund's internal dispute-resolution process. Where applicable, unresolved complaints may be referred to the external dispute-resolution body identified in the PDS, Financial Services Guide or complaints policy.
12. Calculator and comparison methodology
- The calculator is an illustration and not a prediction of a member's actual retirement balance.
- Results are shown in today's dollars using the selected inflation / wage-growth assumption, defaulting to 3.7% p.a.
- The Q-Strategies model applies the target tier dynamically as the projected balance crosses the stated thresholds.
- The benchmark uses current Moneysmart forward-looking investment-return assumptions, not named funds' historical returns.
- Named-fund historical results are displayed separately and are not used as future-return forecasts.
- Account-level administration, insurance and advice costs are not currently deducted from either side.
- Users can change the inflation assumption. Actual outcomes will depend on investment performance, fees, tax, contributions, withdrawals and other factors.
13. General information and product documents
Information on this page is general information only and does not take into account your objectives, financial situation or needs. Before joining, switching funds or selecting an investment option, read the current PDS and TMD and consider whether the product is appropriate for you. Consider obtaining licensed financial advice where appropriate.
Important product information
The information on this page is general in nature and is designed to help you understand the features and long-term potential of the Q-Strategies superannuation offering. Before applying or making changes to your super, you should review the current Product Disclosure Statement and Target Market Determination and consider whether the product is appropriate for your circumstances.The Q-Strategies return scenarios shown on this page are informed by historical market performance, long-term investment experience and the modelling assumptions used in the calculator. They are intended to provide a practical illustration of how different return levels may affect a super balance over time. Actual investment performance will vary from period to period and may be higher or lower than the scenarios shown.
The interactive calculator is provided as a guide to help illustrate potential long-term outcomes using the assumptions selected by the user. Results are estimates rather than guaranteed future balances. Actual outcomes will depend on investment performance, contributions, fees, costs, taxes, withdrawals and the investment options selected. Product features, eligibility, fees, insurance and investment options are set out in the applicable product documents and fund rules.
Before You Join
Review the Product Documents
Consider the investment strategy, risk, fees, insurance, eligibility and product documents before deciding whether this superannuation product is appropriate for you.