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Nobody likes fees. We’re a not-for-profit super fund that exists entirely for the benefit of members. This means your fees go straight back into providing great products and services to you.

Don’t just take our word for it. We’ve been rated as a ‘good value for money’ fund and our Gateway division has been awarded three gold medals by independent agency, Super Ratings.

How to calculate your fees and costs

Calculating how much you’ll pay in fees and costs each year can be difficult. The amount you pay depends on which division you’re in, what investment options you have and your level of insurance cover.

Administration fees
Investment fees
Insurance costs
Total fees and costs

This is a general summary of fees and costs. Please refer to the information booklets for your division for more details.

Fees for your division

  • Gateway division (includes income accounts)

    Most members who joined from 1 July 2013 and all members who are former employees of Qantas Group, spouse members or members with an income account are in the Gateway division.

    Administration fees – per annum, deducted monthly

    • $70 fixed fee + 0.23% of your account balance (capped at $1,050)1
    • Plus 0.01% APRA fee of your account balance

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

    Insurance costs – deducted monthly

    Your insurance cover is unique to you and so are the premiums you pay. You can check how much your monthly premiums are by logging into your account and viewing your account activity. Alternatively, your annual statement shows your insurance premiums deducted from your account.

    Other fees

    • Family law information request: $100, deducted at the time your request is made
    • A 0.01% of account balance administration fee is deducted from general assets of the Plan, not your account.

    For more details on the fees and costs that apply to you view the relevant information booklets.

    1If you hold a super and income account, the $1,050 cap will be applied to the total balance across both accounts in a financial year.

  • Division 1

    Administration fees – deducted annually

    An amount is deducted from your account on 30 June each year based on the administration expenses for Division 1. The amount is calculated as a percentage of contributions. View these costs by logging into your account and viewing your most recent statement or give the helpline a call.

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for investment relating to your accumulation accounts:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread. 

    Insurance costs – deducted monthly

    • Your employer pays for your standard cover for total and permanent disablement (TPD) and disability
    • You pay an annual premium for standard cover for death (including terminal illness)
    • You also pay for any voluntary cover for death or death and TPD you take out
    • You can view these costs by logging into your account and viewing your most recent statement or give the helpline a call

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

  • Divisions 2 and 3

    Administration fees

    Zero. Your employer pays your administration fees

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

    Insurance costs – deducted monthly

    • Your employer pays for your standard cover for death (including terminal illness), disability (sometimes referred to as income protection in Division 3) and total and permanent disablement (TPD)
    • You pay for any voluntary cover for death or death and TPD you take out. View these costs by logging into your account and viewing your most recent statement or give the helpline a call

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

  • Division 3A

    Administration fees

    Zero. Your employer pays your administration fees.

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

     Insurance costs – deducted monthly

    • $0.50 per week for your standard cover for death (including terminal illness)
    • If you transferred from the non-contributory section of the Australian Airlines General Superannuation Plan, your employer pays for your standard cover for death (including terminal illness) and total and permanent disablement (TPD)
    • You also pay for any voluntary cover for death or death and TPD you take out. View these costs by logging into your account and viewing your most recent statement or give the helpline a call

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

  • Division 5

    Administration fees

    Zero. Your employer pays your administration fees.

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

    Insurance costs – deducted monthly

    • Your employer pays for your standard cover for death (including  terminal illness), total and permanent disablement (TPD) and income protection cover (if eligible)
    • You pay for any voluntary cover for death or death and TPD you take out. You can view these costs by logging into your account and viewing your most recent statement or give the helpline a call

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

  • Divisions 6 and 7

    Administration fees – deducted monthly

    • 0.25% of your full time Superannuation Salary capped at $1,050
    • Plus 0.01% APRA fee of your account balance

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

    Insurance costs – deducted monthly

    Your insurance cover is unique to you and so are the premiums you pay. You can view these costs by logging into your account and viewing your account activity or most recent statement.

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

  • Division 10

    Administration fees – deducted monthly

    You pay $1 per week, your employer covers the rest.

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

    Insurance costs – deducted monthly

    • A portion of your administration fee goes towards the cost of your standard cover for death (including terminal illness) and total and permanent disablement (TPD) (if eligible). Your employer pays the rest
    • The cost of your standard cover for income protection (if eligible) is deducted from your account each month
    • You also pay for any voluntary cover for death or death and TPD you take out
    • You can view these costs by logging into your account and viewing your most recent statement or give the helpline a call 

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

  • Division 15

    Administration fees

    Zero. Your employer pays your administration fees.

    Investment fees – Includes all fees incurred in managing our investment assets, such as investment manager fees, brokerage, and stamp duty. Rather than being charged directly to you as a member, like an Administration fee, these fees may be built into the value of an investment, or may take the form of reduced earnings that are distributed to Qantas Super from the investment, before these earnings are then distributed to you via Credited Interest Rates.

    Here are the estimated per annum fees for each investment option:

    • Glidepath:
      • Take-off: 0.94%
      • Altitude: 0.91%
      • Cruising: 0.90%
      • Destination: 0.90%
    • Aggressive: 0.94%
    • Growth: 0.91%
    • Balanced: 0.90%
    • Conservative: 0.81%
    • Thrifty: 0.18%
    • Cash: 0.05%

    You are not charged for switching investment options and there is no buy-sell spread.

    Insurance costs – deducted monthly

    • Your employer pays for your standard cover for death (including terminal illness) and total and permanent disablement (TPD)
    • You pay for any voluntary cover for death or death and TPD you take out. You can view these costs by logging into your account and viewing your most recent statement or give the helpline a call 

    Other fees

    • Family law information request: $150, deducted at the time your request is made

    For more details on the fees and costs that apply to you view the relevant information booklets.

The fees and costs quoted on this page are current as at 1 July 2023.

How we compare

Our mission is to ensure the fees you are charged deliver great products, benefits and services to meet your needs as a current or former Qantas Group employee. We may not have the lowest fees in the market, but we are proud of the benefits and services we offer. Take a look for yourself:

  • Access to simple financial advice at no additional cost
  • Gold star rated products
  • Automatic insurance cover that is linked to your salary*
  • Free access to a medical advice service for you and your family
  • safety-first approach to investing your money
  • Exclusive holiday deals

*Subject to eligibility criteria

Get help figuring out your fees

Super’s a complex thing, and the fees and costs can be too. We’re here to help if you want to know how much you pay in fees and costs.

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