Let's have a look at an example of performance over the past 10 years to 31 December 2023. Chant West compared performance outcomes for members invested in the Balanced Pool within ART's MySuper investment option, the Lifecycle Investment Strategy, with comparable MySuper options in other super funds of a person aged 55 on 31 December 2023.
When you're comparing super funds to see whether you could be growing your super more, the net performance can make a big difference. That's how much your super is growing after fees and tax.
It's never too late to start – making changes now could give you more to enjoy later.
Modelling provided by Chant West, which has been a leading research, data, and analytics provider in superannuation since 1997.1
Australian Retirement Trust
$181,011
Balance after 10 years to 31 December 2023
Industry average
$169,056
Balance after 10 years to 31 December 2023
According to Chant West, a member aged 55 on 31 December 2023 could've been $11,955 better off with ART's Lifecycle Investment Strategy than the average MySuper option in the 10 years to 31 December 2023, if they started with $40,000 in their account and had a starting salary of $70,000 a year. Past performance is not a reliable indication of future performance.
Read comparison details and assumptions
Join todayOur Balanced option has delivered 7.9% p.a. over the 10 years to 31 December 2023. We've outperformed the industry median over 1, 3, 5, 7, and 10 years.3
And when you're with a profit-for-members super fund like us, profits come back to you as lower fees and better services. Remember, past performance is not a reliable indicator of future performance.
Check out our full range of investment options.
Long-term performance
SuperRatings Platinum Performance rating 20 years in a row.4
ART Balanced
Industry Median
1 year
10.2%
9.6%
3 years (p.a.)
7.8%
5.9%
5 years (p.a.)
8.3%
7.1%
7 years (p.a.)
7.9%
6.7%
10 years (p.a.)
7.9%
6.8%
Industry median: This is the middle point when comparing super funds. These returns are to 31 December 2023.
With 2.3 million members, we're one of Australia's largest super funds.
And because we're profit-for-members and an industry super fund, we can give back profits to members as low fees and better services.
With so many members, we've been able to do great things, like lowering our admin fees shortly after we merged.
From your first day of work and throughout your retirement, enjoy products and services that are backed by a crowd of awards and top ratings.
Our Super Savings Accumulation and Income accounts have won multiple Canstar awards over many years for outstanding value for money.5
Our retirement products have won several awards for innovation. So you can relax, knowing we'll help you make your super last.6
Your superannuation is designed to grow with you for your future, so it's important to choose a super fund that helps you achieve your goals.
Join today
Your membership includes deals and discounts on your shop, financial advice to help grow your super and plan your retirement, and flexible insurance.
We make your super easy and convenient, with the Australian Retirement Trust mobile app, and live web chat. You can do most forms and transactions online.
We work hard to aim to reduce super barriers for low income earners, women and non-binary people, and Aboriginal and Torres Strait Islanders.
When comparing super funds, MoneySmart recommends looking for a super fund with good performance over at least 5 years.
Weigh up the administration and investment fees and costs, and the quality of customer service you get for those fees.
If you want insurance on your account, make sure it's affordable and includes enough death, disability, and income protection cover.
To find out all the details about our products, read the product disclosure statement (PDS).
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Don't keep wondering whether you'd be better off with us – find out for yourself. It takes less than 3 minutes to join.
1. © Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401 2024. The data provided by Chant West is based on information supplied by third parties and does not contain all the information required to evaluate the nominated service providers, you are responsible for obtaining further information as required. The data provided by Chant West does not constitute financial product advice. However, to the extent that this data is advice it is General Advice (s766B Corporations Act) and Chant West has not taken into account the objectives, financial situation, including target markets of financial products, where applicable, or needs of any specific person who may access or use this data. It is not a specific recommendation to purchase, sell or hold any product(s) and is subject to change at any time without prior notice. Individuals should consider the appropriateness of any advice in light of their own objectives, financial situations or needs and should obtain a copy of and consider any relevant PDS or offer document before making any decision. Data is provided in good faith and is believed to be accurate, however, no representation, warranty or undertaking in relation to the accuracy or completeness of the data is provided. Data provided is subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which can not be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of this data. Past performance is not an indication of future performance. Full details regarding Chant West’s research methodology, processes, ratings definitions are available at www.chantwest.com.au and Chant West’s Financial Services Guide is available at www.chantwest.com.au/financial-services-guide/
Australian Retirement Trust disclaimer: Past investment performance is not a reliable indication of future performance. Returns may vary considerably over time. The MySuper Performance Outcomes model was prepared by Chant West under commission from Australian Retirement Trust. The model compares the difference in net performance after administration fees and costs, investment fees and costs, transaction costs and investment taxes of the Australian Retirement Trust MySuper investment option (Balanced Pool in the Lifecycle Investment Strategy) with the average net performance of comparable MySuper investment options of other superannuation funds tracked by Chant West (excluding any tailored MySuper products). The calculations do not take into account insurance premiums or other member activity-related fees and costs. The net performance represents the accrued account balance with the superannuation funds at the end of the 10 year period to 31 December 2023, based on the investment earnings less the administration fees and costs, investment fees and costs, and after investment taxes that is applicable for each fund, for a member who was age 55 on 31 December 2023. The MySuper Performance Outcomes model is general advice only and it does not take into account the objectives, financial situation or needs of any person. You should consider your own objectives, financial situation and needs and read the relevant product disclosure statement before making a decision.
2. Super Savings Lifecycle Investment Strategy commenced on 28 February 2022 and adopted the investment strategy of the Sunsuper Lifecycle Investment Strategy at that date. This example uses the returns of the Balanced Pool in the Sunsuper Lifecycle Investment Strategy for periods prior to 28 February 2022 and the returns of the Balanced Pool in the Super Savings Lifecycle Investment Strategy for periods after 28 February 2022.
3. Over the 10 years to 31 December 2023, our Super Savings Balanced option returned 7.9% p.a. (Accumulation), 7.9% p.a. (Super Savings Lifecycle Investment Strategy - Balanced Pool), and 8.7% p.a. (Income). The option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 31 December 2023. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55. Past performance is not a reliable indicator of future performance. Ratings and awards are only one factor to be taken into account when deciding to invest. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.
4. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved.
5. Awards are only one factor to take into account. The award is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance.
6. Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Go to moneymag.com.au for details of its ratings criteria. Ratings are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.
