QSuper Investment Strategy

QSuper, one of Australia’s largest superannuation funds, manages investments on behalf of its members to help them achieve financial security in retirement. Their investment philosophy centers on long-term value creation, diversification, and responsible investing.

Investment Approach

QSuper employs a multi-asset class approach, investing across a broad range of asset classes, including Australian and international equities, property, infrastructure, fixed income, and alternatives. This diversification aims to reduce risk and enhance returns over the long term. They actively manage a significant portion of their portfolio, seeking to identify undervalued assets and capitalize on market opportunities.

A key element of their strategy is internal management. QSuper has a substantial internal investment team, allowing them to directly manage a significant portion of their assets. This provides greater control, reduces reliance on external managers, and can potentially lower investment costs. However, they also utilize external managers with specialized expertise in certain asset classes or geographies.

Asset Allocation

QSuper offers a range of investment options to cater to different risk appetites and investment goals. These options typically vary in their allocation to growth assets (like equities and property) versus defensive assets (like fixed income and cash). The higher the allocation to growth assets, the greater the potential for higher returns, but also the greater the potential for losses. Members can choose the option that best aligns with their individual circumstances.

Their default investment option, typically called the “Lifetime Strategy,” adjusts the asset allocation as members age. Younger members typically have a higher allocation to growth assets, while older members approaching retirement have a higher allocation to defensive assets to protect their savings.

Responsible Investing

QSuper integrates environmental, social, and governance (ESG) considerations into their investment decision-making process. They believe that responsible investing can enhance long-term investment performance and contribute to a more sustainable future. This includes actively engaging with companies on ESG issues, considering ESG factors in investment analysis, and allocating capital to investments that have a positive social and environmental impact.

Investment Performance

QSuper’s investment performance is closely monitored and regularly reported to members. Past performance is not indicative of future results, but QSuper’s long-term track record is generally strong, reflecting their disciplined investment approach and skilled investment team. Investment returns are subject to market fluctuations and can vary depending on the chosen investment option.

Staying Informed

QSuper provides members with a wealth of information about their investment strategy, including annual reports, fund updates, and online tools. They encourage members to stay informed about their investments and to seek financial advice if needed.