Who is Australian Retirement Trust?
With 2.3 million members, Australian Retirement Trust is one of Australia's largest superannuation funds. As a profit-for-members fund, we exist only to benefit our members, which means we are committed to returning profits to our members as better services and lower fees.
With 100% dedication to our members, our purpose is to inspire and empower Australians to fulfil their retirement dreams. This drives us to deliver outstanding customer service and a focus on strong long-term investment returns.
We know that trust and transparency have never been more important when it comes to super – the lower the fees we charge, the higher the returns we earn, and the more focus we place on offering valuable services to our members all add up to more money in our members’ accounts and more of our members achieving their best retirement outcome.
Don’t just take our word for it though. Find out more about our ratings and awards.
Your benefits with Australian Retirement Trust
Under superannuation regulations, it's a key requirement that Australian Retirement Trust provide you with equivalent or improved benefits to those currently provided to you in your current super fund.
Australian Retirement Trust is pleased to provide you with a number of features to help you manage your super and take control of your financial future.
It's our way of helping you manage your super and take control of your financial future.
- Investment options and choice
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Strong long-term investment returns.
A broad choice of investment options, including diversified (multi-asset) and single asset class options1.
You also have the ability to switch your investment choice at any time.
- Get the best from your super
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Being able to stay in touch with your super and manage your account 24/7 with online account access through our secure Member Online portal and the Australian Retirement Trust mobile app.
Plus you can find up to date information, videos, podcasts and calculators on our website.
- Everyday offers and discounts
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Everyday offers and discounts through our members-only Rewards program on everything from groceries to petrol, health insurance to holidays, and furniture, fitness, fashion and further education.
- Help when you need it
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Personal financial advice on your Australian Retirement Trust account from our phone-based financial advisers. The cost of advice about your Australian Retirement Trust account is included with your membership.
You can also get answers to your questions about your account through our customer contact centre.
About the transfer
When your account is transferred to Australian Retirement Trust, your existing account will be closed and any insurance cover you have will come across (refer to your transition communication sent to you from Australian Retirement Trust for further details). The Trustee of your current fund will provide an Exit Statement with your closing account balance in due course.
What actions you may need to take
There are no forms or paperwork required to make this transfer happen. However you may want to review a couple of things:
- Your contact details with your current fund. This ensures Australian Retirement Trust can continue to contact you.
- Review your insurance cover to ensure it’s right for you. You can make changes after the transfer date2.
- Review your investment strategy to ensure you’re comfortable with the way your superannuation is invested1.
- Make sure you have appropriate beneficiary nominations in place so that your super and any insurance goes to the right people if you were to pass away.
- Complete an Authority to Access Information form if you’d like someone else to have access to your super details.
- Once you’re an Australian Retirement Trust member, update your communication preference (if required). At Australian Retirement Trust, we provide most of your important documents digitally, unless you let us know otherwise.
- It’s important that you keep your email address up to date with Australian Retirement Trust, we recommend that you use your personal email (not a work email address), so we can still get in touch with you if you change jobs.
If you have any questions about your transition to Australian Retirement Trust, please email transition_requests@australianretirementtrust.com.au or give us a call on 1800 945 212.
Australian Retirement Trust investments
At Australian Retirement Trust, we offer a broad range of investment options so you can choose an investment to suit your circumstances, life stage and dreams for the future.
Taking a little time now to consider how your super is invested could make a huge difference to your financial future.
How have investments performed?
Details of the investment performance of all Australian Retirement Trust's investment options and pools can be found at australianretirementtrust.com.au/performance.
Nominating your beneficiaries
It’s important to tell us who should receive your superannuation and any insurance benefit should you pass away, even if you think your circumstances are straightforward.
Information on your new Plan
Additional information related to your account type
The information in the tabs below is specific to your account. For your detailed Plan information see your transition communication sent to you from Australian Retirement Trust. Click on your account type to view information.
Are you approaching or over age 55?
In Australian Retirement Trust’s Lifecycle Investment Strategy, a person is invested 100% in the Super Savings Balanced Pool until age 55. Our Balanced Pool invests in a wide variety of asset classes to gain the benefits of diversification. It also has a 70% allocation to Australian and international shares and growth alternatives assets, for exposure to economic growth.
Once you turn age 55, your balance will begin to transition to the Retirement Pool and Super Savings Cash Pool, your transition will take place over a shorter period of time. By your 65th birthday, most of your balance will be invested in the Retirement Pool, which still invests in some growth assets but has fewer ups and downs than the Balanced Pool. There will also be some money in the Cash Pool.
If you’re over age 55 when you transitioned to us, we have invested your super in the appropriate stage of the Lifecycle Investment Strategy based on your current age.
Indicative transition concept only. Read the Super Savings Investment guide for full details of how the Lifecycle Investment Strategy works.
Review your investment strategy
We recommend that you review our investment options to make sure you’re comfortable with the way your money is invested with us. You can find more information on our Lifecycle Investment Strategy, Balanced option and all other investment options in the Super Savings Investment guide available at australianretirementtrust.com.au/pds.
You can review and change how your current balance and future contributions are invested once you’re a member by visiting Member Online or by contacting us on 13 11 84.
Where to get help
Once you’re an Australian Retirement Trust member, If you feel you can use a little more help to choose an appropriate investment strategy for you, just call 13 11 84 and speak to one of our phone based advisers3 who can give you simple advice about your Australian Retirement Trust account. The cost of advice about your Australian Retirement Trust account is included with your membership.
What happens if you already have an existing Super Savings Accumulation account?
We’ll automatically transfer your existing Super Savings Accumulation account to your new corporate Australian Retirement Trust Super Savings Plan, unless you notify us otherwise. Your employer will pay your super contributions to your new account from the plan start date (refer to your Transfer guide or transition email for details), unless you let them know that you would like your superannuation paid elsewhere.
Your member number, in most cases will remain the same.
Investments
Your existing Australian Retirement Trust balance and future contribution allocation will continue to be invested as per your existing Australian Retirement Trust account investment choice, in your new Australian Retirement Trust corporate plan.
Your existing Plan account balance will transfer to your new account on the plan start date and will be invested in the Australian Retirement Trust investment option/s that most closely match your existing Plan investment option/s.
Beneficiaries
Your beneficiary nomination in the current plan will not apply and your existing nomination in Australian Retirement Trust will remain.
What happens if you already have an existing Super Savings Accumulation account?
If you already have an existing Super Savings Accumulation account, you'll have two accounts from the plan start date (refer to your Transfer guide or transition email for details).
Your member number, in most cases, will remain the same.
Are you approaching or over age 55?
In Australian Retirement Trust’s Lifecycle Investment Strategy, a person is invested 100% in the Balanced Pool until age 55. Our Super Savings Balanced Pool invests in a wide variety of asset classes to gain the benefits of diversification. It also has a 70% allocation to Australian and international shares and growth alternatives assets, for exposure to economic growth.
Once you turn age 55, your balance will begin to transition to the Retirement Pool and Super Savings Cash Pool, your transition will take place over a shorter period of time. By your 65th birthday, most of your balance will be invested in the Retirement Pool, which still invests in some growth assets but has fewer ups and downs than the Balanced Pool. There will also be some money in the Cash Pool.
If you’re over age 55 when you transitioned to us, we have invested your super in the appropriate stage of the Lifecycle Investment Strategy based on your current age.
Indicative transition concept only. Read the Super Savings Investment guide for full details of how the Lifecycle Investment Strategy works.
Review your investment strategy
We recommend that you review our investment options to make sure you’re comfortable with the way your money is invested with us. You can find more information on our Lifecycle Investment Strategy, Balanced option and all other investment options in the Super Savings Investment guide available at australianretirementtrust.com.au/pds.
You can review and change how your current balance and future contributions are invested once you’re a member by visiting Member Online or by contacting us on 13 11 84.
Where to get help
Once you’re an Australian Retirement Trust member, If you feel you can use a little more help to choose an appropriate investment strategy for you, just call 13 11 84 and speak to one of our phone based advisers4 who can give you simple advice about your Australian Retirement Trust account. The cost of advice about your Australian Retirement Trust account is included with your membership.
What happens if you already have an existing Super Savings Accumulation account?
On the transition date (refer to your Transfer guide or transition email for details), we’ll automatically transfer your money into your existing Super Savings Accumulation account.
Your member number will remain the same. Read on to find out what happens to your investment choice, insurance and any beneficiary nomination.
Investments
Your existing Australian Retirement Trust balance and future contribution allocation will continue to be invested as per your existing Australian Retirement Trust account investment choice.
Your existing Plan account balance will transfer to your existing Australian Retirement Trust account on the transition date and will be invested in the Australian Retirement Trust investment option/s that most closely match your existing Plan investment option/s., as per the mapping in the table above. Your future contributions will be invested as per your existing Australian Retirement Trust investment choice.
Beneficiaries
Your beneficiary nomination in the current plan will not apply and your existing nomination in Australian Retirement Trust will remain.
We're here to help
For your detailed Plan information see your transition communication sent to you from Australian Retirement Trust.
If you still have any questions, let us know.
Email Us
1Applicable to Additional Super Savings Accumulation account only.
2Eligibility conditions apply. Check your Transfer Guide for information on insurance.
3Australian Retirement Trust employees provide advice as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the Australian Retirement Trust.