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Feel like a real winner, with products and services that have been rated highly for many years.

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7.9% p.a. returns over 10 years

Is your super working hard enough? Our Super Savings Balanced option has returned 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.2

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Focused on low super fees

Our admin fee is $1.20 per week + 0.10% p.a. and 0.07% p.a. from general reserves.

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Open your super account now

It only takes a few minutes to join online. Feel confident that your retirement is in safe hands.

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Take charge of your superannuation today, with the right tools and advice for you.

Financial advice

Making a plan with professional help now can make a big difference to your financial future.

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Mobile app

Life's easier with the Australian Retirement Trust app. Check your balance, switch investments, and more.

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Deals and discounts

Start saving money now with our Member Rewards on brands across Australia.

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Manage your super contributions

Log in to your account to check your transactions and make voluntary contributions.

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Plan a better future

Plan, manage and grow your super balance with the help of our tools and calculators. They're easy to use.

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Need more help?

Live chat with us online. Available 8:00am-8:30pm AEDT (7:00am-7:30pm AEST) Monday to Friday.

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Latest news

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Using super to buy investment property

Keen to invest in property but short on funds? Buying an investment property with super is possible but it's not for everyone.

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Top 10 benefits of superannuation for saving money

Super is a powerful tool for building financial security. But are you getting all the benefits? Discover 10 ways to unlock your super's full potential as one of the best ways to save money.

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New podcast episodes

Your guide to superannuation, retirement planning, and investing, from those in the know.

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Join a super fund you can trust

The right choice today could make a big difference to your future. Enjoy the benefits of being with one of Australia's largest super funds.

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