Main region

Advice for every stage of life

We can help you choose the type of advice you need. Or explore at your own pace with our calculators and tools.

Your advice options

Get the retirement you want

It's never too early or too late to plan your retirement. We're here to help you every step of the way.

Retire with ART

Our 2.3 million members
(and their super monsters) come first


Awaken your super with an award-winning fund

Canstar's given us 5 stars for outstanding value retirement products. And we’re rated #1 for customer satisfaction according to Finder.1

Our awards

bar graph with upward trend icon

8.3% p.a. returns over 10 years

to 31 March 2024

Is your super working hard enough? We've outperformed the industry median over 1, 3, 5, 7, and 10 years.2

Our performance
percentage symbol within pie graph icon

Focused on lower fees

Our admin fee is $1.20 per week + 0.10% p.a. and 0.07% p.a. from general reserves (not your account).

Our fees
Become a member today

With over a century of experience,3 why not join a super fund that works for you, not shareholders.

Join us today

Support when it matters most

Awaken your superannuation, with the right tools and advice for you.

Payment iconPayment icon
Deals and discounts

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

Claim your rewards
Payment iconPayment icon
Mobile app

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

Download the app
Payment iconPayment icon
Financial advice

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

Get advice
Payment icon Payment icon
Manage your super

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

Add to your super
Payment iconPayment icon
Plan a better future

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

Use our calculators
Payment icon Payment icon
Need more help

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

Call or live chat

Latest superannuation news

Claiming super contributions as a tax deduction

Before you do your tax return this year, it's worth checking if you can claim super contributions on your tax return.

Learn more

What's MySuper in Australia

MySuper is a simple and low-cost superannuation product. Check if it suits you and how to easily compare MySuper funds.

Learn more

New podcast episodes

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

Listen to our podcasts

Join a super fund you can trust

Awaken your super today. You'll be joining over 2.3 million members (and their monsters) who trust us to manage their super savings.

Join ART

1. Finder Super Funds Satisfaction Awards 2023. Read the Finder awards methodology to learn more. Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.

2. Over the 10 years to 31 March 2024, our Balanced option returned 8.3% p.a. (Accumulation), 8.3% p.a. (Super Savings Lifecycle Investment Strategy - Balanced Pool), and 9.1% 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 March 2024. 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 Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy invest a portion of their balance in the Balanced Pool from age 50. 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, transaction costs, and investment taxes (where applicable). Investment tax generally doesn’t apply to Retirement Income accounts. 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.

3. QSuper was founded in 1913 before merging with Sunsuper on 28 February 2022 to form Australian Retirement Trust.