00am to 6. 06 March 2023 3 min read. QSuper provides insurance cover for when life doesn't go to plan. You can access your super as: An income stream, by opening a QSuper Retirement Income account and/or a QSuper Lifetime Pension; A lump sum withdrawal, or ; A combination of both. 100%. This minimum balance will apply unless you are withdrawing all of your funds and closing your account, or if you have money in Self Invest. We take out any relevant fees, costs, and taxes from the daily unit price before publishing it, so you don't need to account for that in your calculation. Application to Cancel Insurance. QSuper Member Online is a secure member site owned by Australian Retirement Trust Pty Ltd ('Trustee') (ABN 88 010 720 840, AFSL 228975) as trustee for Australian Retirement Trust ('the Fund') (ABN 60 905. This includes your personal contributions and interest paid before 1 July 1999. If you transfer your account to a QSuper Accumulation account before age 55 none of your benefit can be withdrawn as cash until retirement, including your personal contributions and interest paid before 1 July 1999. Withdraw your super; Seminars and education;. You can split up to 85% of your eligible before-tax contributions for a financial year. If your QSuper Accumulation account and QSuper Income account balances are less than $6,000 at the end of the financial year (30 June), certain administration and investment fees and costs charged to you are capped at 3% of the account balance. Explore your options for retirement income with our Retirement Calculator. Use this form to rollover some or all of your QSuper Accumulation or Income account to another super fund, including an SMSF. We then know how much tax to withhold from your payments. Withdraw your super; Seminars and education; Investments Hide. International +61 7 3239 1004. To obtain the investment option returns within a TTR income account prior to 1 July 2017, please refer to the standard Income account unit prices. More reasons to feel good. The Age Pension is a fortnightly allowance paid to eligible Australian residents by the government. More reasons to feel good. As at 30 June 2023. To avoid contributions being refunded and delays to funds being processed into your employees’ ART super accounts, please make sure you are using the correct USI. accounts in your name so that you receive all your super benefits when you retire. We're awarded for providing value for our members, from your working life through to enjoying retirement. We’ve made it easy for you to make changes to the investment strategy in your QSuper Accumulation account. How to withdraw super Early access to super. When you retire and reach the age you can access your super, you can either leave the money in your Accumulation account and make withdrawals when you need to, and/or use the money for a Retirement Income account and/or a. Important information You should consider the information contained in this guide, the Product Disclosure Statement for AccumulationView the detailed list of what this option invests in. gov. The Retirement Bonus is a tax saving we pay you (if eligible), when you move money from our Accumulation or Transition to Retirement Income account, to our Retirement Income account and/or Lifetime Pension. Super you can trust. TPD ends at age 60 if you work for the Queensland Police Service as a police officer. Defined Benefit Account Guide (including Deferred. Who is the. You will need to keep a minimum of $10,000 in your . Online Advice1 – Log in to Member Online for our online advice service about your super. Your TFN. Transition to Retirement Income account;. Mon-Fri 8. A Retirement Income account can help maximise your savings, with tax-free investment earnings and no tax on payments or withdrawals after you turn 60. Learn more about our super Accumulation account with investment options that include Lifetime, Diversified, and Single Sector. Refer to the Financial Services Guide (pdf) for more information. 2. QSuper Defined Benefit members aged between 60-64 years old have an average QSuper total balance of $544,187 as at 30. g. Download . Eddie has just retired from work and has no intention of returning to full-time or part-time work ever again. Download the QSuper Insurance Guide (pdf) for details. QSuper account holders are now. Withdraw your superEmail [email protected] Projection Calculator. Returns shown are based on disclosed unit prices and are compound annualised return, net of fees and tax. To make a withdrawal, fill out a Make a Withdrawal from an Accumulation Account form, available on our website at at qsuper. More reasons to feel good. Clarify the target market for a QSuper product (refer to our TMDs) and assess the suitability of a QSuper product for your client. I confirm I've received, read and understood. Make a withdrawal. financial hardship, compassionate grounds, terminal medical condition, or total and. Mon-Fri 8. Salary sacrificing to super is when you pay part of your salary into your super account before tax, instead of it being part of your take-home pay. Use this form to rollover some or all of your QSuper Accumulation or Income account to another super fund or SMSF. Take a lump sum You can receive the full amount at. If you have money in Self Invest, you need to keep a minimum of $10,000 (Accumulation accounts) or at least 13 months’ worth of income payments. Police account until age 55 or transfer it to a QSuper Accumulation account. Withdraw your super; For QSuper account holders, this means that from 1 July 2022, the administration fees that you pay from any of your QSuper Accumulation account (s) and Income account (s), and those deducted from the QSuper Lifetime Pension pool, will be reduced from 0. 1300 360 750. If you’ve reached. 60% p. If you have a Defined Benefit account and are under age 55, your beneficiaries will be paid your projected benefit to age 55. 1. If you have a QSuper account with us, you'll still log in through the QSuper website. This decision to reduce fees is subject to confirmation by the. 2. This minimum balance will apply unless you are withdrawing all of your funds and closing your account, or if you have money in Self Invest. This document is Part B of the QSuper Product Disclosure Statement for Income Account and Lifetime Pension (PDS). 2. This option could experience negative returns over the short term. qld. Proving your identity; Withdraw your super; Seminars and education. X Option 1 – Withdraw part of my account in cash. qld. 75% contribution replacement benefit. Previous name. In the Accumulation account, you can (if eligible): • Receive contributions and make voluntary contributions • Receive transfers from other super accounts • Receive employer contributions • Make lump sum withdrawals. If you are transitioning from the accumulation phase to the retirement phase, there is a limit on how much you can. It’s the QSuper you’ve always known, together with the scale, strength, and stability of a super fund looking after $200 billion in retirement savings for more than 2 million members. Personal assets. • Have a superannuation balance of at least $30,000 at commencement. 100%. 16% to 0. Self Invest is closing to new investors. Option 2 – Partial transfer and keep account I want to keep my QSuper Accumulation account or Income account open. You must maintain at least $500 in your transaction account at all times. Tax and super. Due to required maintenance, QSuper Member Online will be unavailable from 10:00pm, Monday, 13th November until 12:00am, Tuesday, 14th November. 1300 360 750. To keep Self Invest open, you need a minimum of $10,000 invested in one or more of the other QSuper investment options through your Eddie is 62 years of age and would like to withdrawal $450,000 from his superannuation to buy a house. • Through QSuper by completing the attached Accumulation Account Departing Temporary Resident Claim form, or • The quickest way to claim is directly through the Australian Taxation Office (ATO). Accumulation account Transition to Retirement Income account. View Focus 1 Dashboard. We strive to help each of our members make the most of Your Accumulation account gives you the flexibility to select your own investment options and choose the insurance cover that’s right for you. 2. Compassionate Grounds Guide (pdf) Find out how and when you can access your super early on compassionate grounds. There are differences between the asset allocations in Accumulation account and those in Income account, to optimise the strategy and improve the probability of meeting investment objectives. a. account? If you have withdrawn part of your super as a lump sum, or transferred out part of your Accumulation account balance (e. You may also be eligible to claim a tax deduction. We’d love to hear from you. Change how your super is invested, or change which investment option your income payments. • Have met one of the following conditions of release to access their super: o aged 65 or older; o have ceased an employment arrangementYou can keep it in the accumulation phase. You need to provide your personal details, tax file number, bank details, and tax options for your payment. Explore ways to personalise your QSuper Income account to suit your needs. Investment forms. The total approximate opening balance of my new Income account should. Grow your super Salary sacrifice Super co-contribution Voluntary contributions. In the event the Trustee suspends unit prices on any or all. Other publications. 4% p. Complete online Download . 25%. gov. Your Police account remains open until you are no longer employed as a Police officer, or you decide to transfer to another type of QSuper account. If you don’t already have an Accumulation account, you’ll need to open one first. However, if you prefer, you can fill in and send us a QSuper investment switch form. Super. lump sum withdrawal. QSuper account, it's important to lodge a Notice . Withdraw your super; Seminars and education. They don't have to wait until age 25 and over. Amount $ , ,Once you meet a retirement condition of release, there are four options available to you for your accumulated super balance. it to a QSuper Accumulation account. Can I join? Past performance is not a reliable indicator of future performance. 16% to 0. au Title First name. Amount $ , , X Option 3 – Transfer a nominated amount to my other super fund or SMSF. 15% per annum from 1 July 2022. If you transfer your account to a QSuper Accumulation account before age 55 none of your benefit can be withdrawn as cash until retirement, including your personal contributions and interest paid before 1 July 1999. Up to the automatic acceptance limit; eligibility criteria apply. Stapling aims to reduce unintended multiple accounts. From 1 July 2017 investment earnings are no longer tax free, so are the same as those in the Accumulation account. gov. 15-year platinum. QSuper Product Disclosure Statement for Income Account and Lifetime Pension (pdf) Understand the features, benefits, and risks before opening one of our retirement products. If you're an Accumulation account holder aged 50-57 years old, don’t choose an investment option and have $250,000 or more in Lifetime, we invest your money in Lifetime Focus 3. 5% to 6% of her balance due to the end of the temporary reduction in minimum withdrawals and her 75. qld. This means after investment fees and costs, transaction costs, and investment taxes. Super. This minimum balance will apply unless you are withdrawing all of your funds and closing your account, or if you have money in Self Invest. Police account until age 55 or transfer it to a QSuper Accumulation account. This minimum balance will . Award-winning. 22% p. • This product is designed for consumers within Australia in accordance with Australian laws and regulations. Your QSuper journey starts now. Manage your Income account. Mon-Fri 8. If your Accumulation and/or Income account balance is under $6,000, your fees (including all admin and investment fees and costs, and transaction costs) are capped at 3% of your account balance. You will need to keep a minimum of $10,000 in your . Make sure you consider the information below before making a choice. Super. Depending on your superannuation provider, if you satisfy your condition of release, you may also be able to consider making ad-hoc withdrawals from your super account. • Have a superannuation balance of at least $30,000 at commencement. Before completing this claim form, please read theQSuper Accumulation account when you make a lump sum withdrawal. Option 2 – Partial transfer and keep account I want to keep my QSuper Accumulation account or Income account open. Our award-winning Retirement Income account lets you pay yourself a regular income from your super once you finish work, with the balance invested. Lump sum withdrawals are generally not available for Accumulation unless retired or early access (e. Super. Withdrawals from Accumulation accounts are generally processed within 7 working days of receiving a completed application and Income account withdrawals are processed within 3 working days. Introduction<br /> What is superannuation<br /> Superannuation is a long-term investment for your<br /> future retirement lifestyle. To keep Self Invest open, you need a minimum of $10,000 invested in one or more of the other QSuper investment options through yourQSuper Accumulation account when you make a lump sum withdrawal. You must keep a minimum balance of $6,000 in an Accumulation account. au Fax 1300 242 070 Website qsuper. au/forms. qld. 8am–6pm AEST. Retire with confidence with QSuper, part of Australian Retirement Trust (ART). We strive to help each of our. Contributing spouse’s account to withdraw from. Register now. Understand the detail and the choices you can make. When you have a Defined Benefit account with an attached Accumulation account, the transactions for both of these accounts will be displayed on your Defined Benefit account. From 1 July 2017 investment earnings are no longer tax free, so are the same as those in the Accumulation account. This account provides tax-free investment earnings,. In the event the Trustee suspends unit prices on any or all. Transfer Your Defined Benefit to an. If you have an Income account and have made a reversionary beneficiary nomination, your dependant can. Just as you may keep track of your bank accounts, you can also keep track of your super account. You need to have been a member with us for at least 12 months. The remaining amount representing your employer’s part stays separate as a Deferred Retirement Benefit (DRB) until you turn 55, then moves to your Accumulation account. Mon-Fri 8. What. gov. gov. Amount you intend to claimFrom 1 July 2017 investment earnings are no longer tax free, so are the same as those in the Accumulation account. If you’re applying under eligibility rule 1, you can withdraw between a minimum of $1,000 and a maximum $10,000 over a 12-month period. From 1 July 2022 the administration fees that a member pays pay from any of their QSuper Accumulation accounts and Income accounts, and those deducted from the QSuper Lifetime Pension pool, were reduced from 0. The Australian Retirement Trust QSuper Balanced option (Accumulation account) has kept the same key features and investment strategy post-merger. Salary sacrifice; Super co-contribution. Simply log in to Member Online or download the QSuper app, to. If you are . If you’re applying under eligibility rule 1, you can withdraw between a minimum of $1,000 and a maximum $10,000 over a 12-month period. Make a Withdrawal from an Accumulation Account. qld. This means after investment fees and costs, transaction costs, and investment taxes. They don't have to wait until age 25 and over. Eligibility for the super co‑contribution 2023‑24. Option 1 – Open a QSuper Accumulation account You can elect to transfer your benefit to an Accumulation account. Depending on where you work, you can also salary sacrifice into other things like buying a car. Make a Withdrawal from an Accumulation Account. This includes your personal contributions and interest paid before 1 July 1999. The government counts your Retirement Income account as a financial asset (although there are some exemptions). 3 Increase your account balance or make a contribution. • Eligible to open a QSuper Accumulation account (refer to the Target Market Determination for the QSuper Accumulation account). Withdraw your super. g. Compassionate Grounds Guide (pdf) Find out how and when you can access your super early on compassionate grounds. Accumulation account Transition to Retirement Income account. Designed for people who are still working. 1 Investment limits Term deposits Single term deposit – $5,000 to $5 million Shares S&P/ASX 300 and ETFs Maximum share and ETF exposure – 85% of your QSuper Accumulation or Retirement Income account balance. 19 January 2023 Brian Parker 6 min read. Use this form to rollover some or all of your QSuper Accumulation or Income account to another super fund or SMSF. Use this form if you want to close your Defined Benefit account and transfer your funds into an Accumulation account. Just choose your enquiry type, and type your message and personal details below. Make a Withdrawal from an Accumulation Account. Follow the link below to find out more. 00pm AEST. (Any tax payable will be deducted from this amount. To keep Self Invest open, you need a minimum of $10,000 invested in one or more of the other QSuper investment options through your1. Grow your super Salary sacrifice Super co-contribution Voluntary contributions. Your Adviser – We can work with your adviser. Use this form if you want to make a one-of voluntary contribution to your QSuper Accumulation account via EFTPOS, cheque, or money order. This minimum balance will apply unless you are withdrawing. If you want to move all your money to the Accumulation account at once, you can ask us to transfer your employer's part as well, but it will be slightly discounted. 26 March 2021 5 min read. QSuper performance review. 2. 00am to 6. So your balance will be ‘deemed’ to earn a certain amount of income based on the balance at 1 July each year. From 1 July 2017 investment earnings are no longer tax free, so are the same as those in the Accumulation account. 2. QSuper’s Accumulation account, Balanced Option only, ranked fourth. However, in most cases, your new employer can contribute to a QSuper Accumulation account for you. Explore ways to personalise your QSuper. Awards are only one factor to be taken into account when deciding to invest. Grow your super. 7. With an account-based pension like our Retirement Income account, you can get regular income payments as long as you have a balance. The graph shown above is based on unit prices, which are net of fees and taxes. You can choose from Lifetime, Diversified, or Single Sector. If you are under 60 years of age, tax may apply on any withdrawals depending on your age, and the tax-free and taxable components of your superannuation. 00pm AEST. You can leave your money in your Accumulation account and make withdrawals whenever you need to. Important information You should consider the information contained in this guide, the Product Disclosure Statement for AccumulationView the detailed list of what this option invests in. Mon-Fri 8. You need to already have a QSuper Accumulation . QSuper Defined Benefit members aged between 60-64 years old have an average QSuper total balance of $544,187 as at 30 June 2020. tell us the account(s) you want to split contributions from. In the Accumulation account, you can (if eligible): • Receive contributions and make voluntary contributions • Receive transfers from other super accounts • Receive employer contributions • Make lump sum withdrawals. Prepared and issued by the QSuper Board ABN. a. 60 to 64. Pension, you will also need to complete the Open an Income Account and/or Lifetime Pension form at the back. 6. 210 means 21% of your final salary. Take your QSuper account with you when you change jobs by giving your new employer your QSuper details. For every $50,000 you have in the superannuation product you will be charged or have deducted from your investment $110 in administration fees and costs. Keep your existing QSuper Accumulation account open, to continue to grow your balance and for your employer to make your super contributions on your behalf Decide how much to withdraw as a regular income stream between a minimum of 4% and a maximum of 10% of the Income account balanceThe forms you need to consolidate your super from other funds into your QSuper account, or transfer your defined benefit to an Accumulation Account. Keep your existing QSuper Accumulation account open, to continue to grow your balance and for your employer to make your super contributions on your behalf Decide how much to withdraw as a regular income stream between a minimum of 4% and a maximum of 10% of the Income account balance The forms you need to consolidate your super from other funds into your QSuper account, or transfer your defined benefit to an Accumulation Account. Accumulation account and Income account As Accumulation and Income accounts are unit-based, we multiply the number of units in the account by the unit price applicable on the valuation date you nominate. Up to the automatic acceptance limit. It is important to. If you need to access your super, we'll ask you for a valid form of identity (ID). QSuper Accumulation account when you make a . Note, you will need to meet the eligibility criteria for opening an Accumulation account, as outlined in this PDS. Hi Garry, thanks for your question. I understand thisAustralian Retirement Trust is the new fund name for the QSuper/Sunsuper merger. That. QSuper account if: • You are eligible and would like to make a lump sum withdrawal • You are opening an Income account and want to keep some money in an Accumulation account. Choose to receive regular payments or make one-off withdrawals from your super. Your Adviser – We can work with your adviser. How unit prices are calculated. 5. In 2020, the Government introduced a temporary reduction by 50% to minimum drawdown requirements for account-based pensions, such as the QSuper Income account. Before you consolidate your super accounts, consider if the timing is right and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications. • My Accumulation account becomes inactive by not having money added in the last 13 months, and/or • My Accumulation account balance is below $6,000, and/or. Withdraw your super• Through QSuper by completing the attached Accumulation Account Departing Temporary Resident Claim form, or • The quickest way to claim is directly through the Australian Taxation Office (ATO). Enjoy life after work, with our range of award-winning retirement solutions. Withdraw your superUse Member Online to withdraw a lump sum from your Super Savings Accumulation account. In the event the Trustee suspends unit prices on any or all. How to withdraw money from Qsuper? Money withdrawals are allowed. financial hardship, compassionate grounds, terminal medical condition, or total and. Read our Defined Benefit Guide (pdf) 1. 1300 360 750. Member Online makes it easy to keep track of your QSuper account. 00am to 6. gov. want to claim a tax deduction for personal contributions made to another fund, please contact them directly. To make a withdrawal, fill out a Make a Withdrawal from an Accumulation Account form, available on our website at at qsuper. If you are 60Make a Withdrawal from an Accumulation Account. QSuper offers an accumulation account with flexible investment options, low fees, and long-term performance. 8am–6pm AEST. Fund Details from 1 July 2022. Turning 65 is a condition of release, whether or not you are still working. If you are under 60 years of age, tax may apply on any withdrawals depending on your age, and the tax-free and taxable components of your superannuation. Email [email protected] account; Transition to Retirement Income account; Retirement Income account ; Lifetime Pension;. QSuper Insurance Guide (pdf) Understand the insurance for eligible members with our Accumulation account. Language assistance. A QSuper Accumulation account is a simple accumulation style superannuation product that only allows withdrawals in limited circumstances as permitted by superannuation law. She retains the remainder in a balanced portfolio. Easily give your employer your new QSuper account details. I’d like to withdraw the following amount (net). Grow your super Salary sacrifice Super co-contribution Voluntary contributions. Grow your super Salary sacrifice Super co-contribution Voluntary contributions. 1. While you can't make contributions to an Income account once it's been opened, you can close your current Income account and restart a new Income account with the total of your existing balance and the extra money. 00pm AEST. The Reserve Bank of Australia (RBA) recently cut its official cash rate to a record low of 0. As part of a profit-for-members fund, everything we do is for our members – so we provide insurance for when life doesn't go to plan. The graph shown above is based on unit prices, which are net of fees and taxes. This includes your personal contributions and interest paid before 1 July 1999. 16% to 0. You can access your super as long as you've permanently retired. Accumulation account (if applicable)? No, I don’t want to withdraw money. au This form and all QSuper products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) as trustee for Australian Retirement Trust (ABN 60. Mon-Fri 8. Otherwise, you can withdraw all your funds and close your accounts. If you have. gov. If you're an Accumulation account holder aged 58 years old or over, don’t choose an investment option and have less than $300,000 in Lifetime, we invest your money in Lifetime Sustain 1. accounts in your name so that you receive all your super benefits when you retire. Use this form if you're at your preservation age and want to withdraw some super. keep a minimum account balance of $10,000 if you wish to keep an Accumulation account open. You can find out more in the Self Invest Guide (pdf). If you have more than one Accumulation account, please . The Morningstar Australia Awards, which were announced on 23 February, are designed to recognise and celebrate the. Register for Member Online and keep track of your super, download your statements, manage your investments, insurance and more. In the Accumulation account, you can (if eligible): • Receive contributions and make voluntary contributions • Receive transfers from other super accounts • Receive employer contributions • Make lump sum withdrawals. Application for Early Access on Compassionate Grounds (Compassionate Grounds Guide) Use this form if the ATO has approved you to claim your super early on compassionate grounds. 00pm AEST. The Police account closed to new members on 1 January 1993. You will need to keep a minimum of $10,000 in your . This minimum balance will apply unless you are withdrawing all of your funds and closing your account, or if you have money in Self Invest. To keep Self Invest open, you need a minimum of $10,000 invested in one or more of the other QSuper investment options through your QSuper Accumulation account when you make a lump sum withdrawal. What does the QSuper and Sunsuper merger mean for members' accounts? Read answers to commonly asked questions about the merger. We work hard to keep our fees as low as possible We are a profit-for-members fund – we don’t have any shareholders to pay, and we don’t pay commissions to financial advisers. QSuper Accumulation account when you make a lump sum withdrawal. If you have money in Self Invest, you need to keep a minimum of $10,000 (Accumulation accounts) or at least 13 months’ worth of income payments (Income Phone 1300 360 750. View the detailed list of what this option invests in for Accumulation or Income accounts. collected before starting your new Income account. This balance consists of $350,000 of tax-free components and. accounts in your name so that you receive all your super benefits when you retire. Make a withdrawal. Mon-Fri 8. Accumulation account Transition to Retirement Income account. The ATO says whatever you withdraw will be made up of the same proportion – you cannot choose to take from only one element. Accumulation. We're honoured to have received SuperRatings ' 15-year Platinum rating. Check your account balance. decide to withdraw your benefit as a lump sum, we will pay it into your nominated Australian bank, credit union, or building society account. Language assistance. Keep your personal details up-to-date in Member Online and check your super balance today. Grow your super Salary sacrifice Super co-contribution Voluntary contributions. QSuper Member Online is a secure member site owned by Australian Retirement Trust Pty Ltd ('Trustee') (ABN 88 010 720 840, AFSL 228975) as trustee for Australian Retirement Trust ('the Fund') (ABN 60 905 115. 00am to 6. of Intent to Claim or Vary a Deduction for Personal Super Contributions form before this money is transferred out of your Accumulation account. If you make voluntary contributions into your superannuation account from your after-tax income (also called non-concessional or personal contributions), you are contributing towards your future financial wellbeing. If you don’t already have a QSuper Accumulation account, you will need to open one first in Member Online or using the Open an Accumulation Account form. keep a minimum account balance of $10,000 if you wish to keep an Accumulation account open. Access via Member Online. Use this form to withdraw money from your QSuper Accumulation account and choose how to withdraw from your investment options. Prepare a budget for your retirement to make sure you don't spend too much too soon. A Retirement Income account can help maximise your savings, with tax-free investment earnings and no tax on payments or withdrawals after you turn 60. He has a superannuation accumulation balance of $1,250,000. your Accumulation account and wait until all your money is . tell us the account(s) you want to split contributions from. lump sum withdrawal. A QSuper Accumulation account is a simple accumulation style superannuation product that only allows withdrawals in limited circumstances as permitted by superannuation law. australian identification copies superannuation funds issued queensland qsuper. Withdraw your super; Seminars and education;. 16% to 0. You can manage your Income account online using Member Online. This is because the accounts are bundled together under. 2. Find out more about your insurance and COVID-19. 2. or 30% contributions tax if your income plus contributions is more than $250,000 per year. The benefits of consolidating your super into one account may include:: Paying fewer fees: Having your super in one account could mean fewer fees; Less paperwork: One super account means one statement; Easier tracking: One super account may make your super easier to. If you want to keep your QSuper Accumulation account open for employer or voluntary contributions, you must leave a minimum of $10,000 in your Accumulation account,. Download . As a fund that works for members, not shareholders, we work in members’ best interests, and are. These terms and conditions apply to QSuper Member Online and the QSuper app ('Member Online'), and your use of and access to these services.