Welcome to Australian Retirement Trust

We’re one of Australia’s largest super funds and proud to take care of more than $280 billion in retirement savings for over 2.3 million Australians.

Find out more

Investment option changes

We're launching a new investment option menu on 1 July 2024. Please visit the Info hub to learn how this affects Accumulation and Income accounts.

Welcome to DuluxGroup

Your employer has entrusted Australian Retirement Trust as the super fund for its employees for good reason.

Australian Retirement Trust is the super fund formed through the merger of Sunsuper and QSuper. As one of Australia’s largest super funds, over 2.3 million Australians trust us to take care of more than $260 billion in their retirement savings.

As a fund that works for members, not shareholders, we work in members’ best interests and are committed to returning profits to them as lower fees and better services. 

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NEW Micro-learning modules

Our new library of quick videos to help manage your super is now available. The more you know, the more you can take charge of your financial future.

Learn more

Educational videos

We've developed some short videos to help you get the most from your super.

Women often face unique challenges when it comes to growing their superannuation savings. This may result in less financial independence during retirement. This webinar discusses:

  • The challenges women face when it comes to growing their super
  • Understanding the role super plays in your retirement and how much is really enough?
  • How you can engage with and maximise your super
  • Simple tips and case studies to get your super on the right track
 

 

This video will cover key key considerations in relation to superannuation and outline the benefits of the DuluxGroup Super Plan with Australian Retirement Trust, including:

• Understanding the way super is invested and comparing performance;
• Considering the insurance that is provided and comparing premiums; 
• How super is treated for employees on temporary resident work visas on departing Australia; and
• How to take full advantage of any member benefits provided

 

 

In this video our National Education Manager, Joshua van Gestel and our Head of Investment Strategy, Andrew Fisher discuss: 

  • How Australian Retirement Trust invests your super;
  • How the Super Savings investment options have performed over the long term and over the last 12 months;
  • Important considerations for the next 12 months; and
  • Considerations for making investment choices with your super.
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    The importance of Nominating a Beneficiary on your superannuation account.

     

     

    DuluxGroup Employees

    The information and documents contained on this site are unique to your Australian Retirement Trust plan.

    However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.

    The documents listed here do not apply to Defined Benefit members.

     Product update (Super Savings) for March 2024  
    Our new investment option menu coming 1st July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
    Super Savings – Corporate Product Disclosure Statement for Accumulation Account [pdf, 1.3MB]
    A summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.
    Super Savings – Corporate Insurance Guide [pdf, 419.4KB]
    This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
    Super Savings Accumulation Guide [pdf, 5.8MB]
    Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
    Super Savings Investment Guide [pdf, 2.3MB]
    Details of the investment option available to you, and information on determining your investor needs.
    Target Market Determinations [pdf, 25.1KB]
    Target Market Determinations
    This page provides information about Target Market Determinations. It describes the target markets for which Australian Retirement Trust products have been designed, taking into consideration their likely objectives, financial situation and needs.
    Member application form [pdf, 1.3MB]

    Use this form (at the back of the PDS) to apply for membership in DuluxGroup Super.

    Transfer of insurance cover form [pdf, 269KB]
    Use this form to transfer your current insurance cover to Australian Retirement Trust.
    Change of insurance cover form [pdf, 383.6KB]
    Use this form to change your level of insurance within the standard cover provided OR to apply for additional insurance.
    Insurance variation form [pdf, 222.4KB]
    Use this form to reduce or cancel your insurance cover.
    Personal health summary [pdf, 345.1KB]
    Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
    Binding death benefit nomination form [pdf, 290.6KB]
    Use this form to make, change or cancel a binding death benefit nomination.
    Consolidate your super form [pdf, 210KB]
    Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
    New starter flyer [pdf, 384.3KB]
    A quick look at the benefits of joining the DuluxGroup Superannuation Plan.
    Member application form [pdf, 1.3MB]

    Use this form (at the back of the PDS) to apply for membership and set up your account in full, including opting-in to insurance cover early (if eligible). 

    ATO Superannuation Standard Choice form [pdf, 429.7KB]

    The ATO’s standard choice form. Provide to your employer when electing or changing your choice of fund.

    Insurance Calculator [xlsx, 423.4KB]
    This insurance calculator applies to permanent employees, casual employees, and contractors (with a minimum 6 month contract) of DuluxGroup.
    Changes to ongoing fees and costs factsheet [pdf, 1.3MB]
    The information in this factsheet relates to Changes to ongoing fees and costs that came into effect on 1 July 2022.
    Are you on track for a comfortable retirement? [pdf, 230.9KB]

    If you're eager to find out if you're on track for a comfortable retirement, this factsheet will provide you with more information.

    SG is increasing fact sheet [pdf, 186.4KB]

    The Superannuation Guarantee (SG) is increasing to 10.5% p.a. from 1 July 2022. This fact sheet explains what the change could mean for you.

    Super rates and thresholds fact sheet [pdf, 170.3KB]

    This fact sheet outlines the super rates and thresholds from 1 July 2022.

    Boost Your Super fact sheet [pdf, 157.7KB]
    This fact sheet outlines the benefits of boosting your super with additional contributions.

    Retained members

    On 28 February 2022, Sunsuper and QSuper merged to form Australian Retirement Trust. 

    Each Sunsuper member was issued with a product(s) in Australian Retirement Trust which had the same benefits and features as the Sunsuper product(s) they held at the merger date. DuluxGroup Superannuation Plan (Retained Members) is closed to new members. As a result a new Product Disclosure Statement (PDS) was not prepared. 

    For copies of information previously provided to you in relation to the former Sunsuper Product (including copies of past PDSs and material change notifications) please contact us on 13 11 84.
     Product update (Super Savings) for March 2024  
    Our new investment option menu coming 1st July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
    Insurance variation form [pdf, 200.8KB]
    Use this form to reduce or cancel your insurance cover.
    Binding death benefit nomination form [pdf, 290.6KB]
    Use this form to make, change or cancel a binding death benefit nomination.
    Consolidate your super form [pdf, 210KB]
    Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
    Insurance Calculator (Retained) [xlsx, 407.6KB]
    This insurance calculator applies to retained members (former employees or spouses).
    Changes to ongoing fees and costs factsheet - Retained [pdf, 1.6MB]
    The information in this factsheet relates to Changes to ongoing fees and costs that came into effect on 1 July 2022.

    Defined Benefit & Pension members

    On 28 February 2022, Sunsuper and QSuper merged to form Australian Retirement Trust. 

    Each Sunsuper member was issued with a product(s) in Australian Retirement Trust which had the same benefits and features as the Sunsuper product(s) they held at the merger date. 

    DuluxGroup Superannuation Plan (Defined Benefit Members) is closed to new members. As a result a new Product Disclosure Statement (PDS) was not prepared. 

    For copies of information previously provided to you in relation to the former Sunsuper Product (including copies of past PDSs and material change notifications) please contact us on 13 11 84.

     
     Product update (Super Savings) for March 2024  
    Our new investment option menu coming 1st July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
    Defined Benefit Handbook [pdf, 2.9MB]
    This handbook provides information to help you understand your Defined Benefit plan.
    Lifetime Pension Handbook [pdf, 2.1MB]
    This handbook provides information to help you understand your DuluxGroup Lifetime Pension.
    Binding death benefit nomination form [pdf, 290.6KB]
    Use this form to make, change or cancel a binding death benefit nomination.
    Consolidate your super form [pdf, 210KB]
    Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 

    Focused on strong long-term returns

    Our Super Savings Accumulation account - Balanced option delivered 10% in 2022-23, and 8.4% p.a. over the 10 years to 30 June 2023. We outperformed the industry median over 1, 3, 5, 7, 10, 15 and even 20 years.1

    1. In 2022-23, our Super Savings Balanced option returned 10% for Accumulation accounts, 9.9% for the Lifecycle option's Balanced Pool, and 11.1% for Income accounts. Over 10 years, it returned 8.4% p.a. (Accumulation) and 9.3% (Income). The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. 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%. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 30 June 2023. 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. 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.
    Explore our returns
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