On this page:
- Joining Australian Retirement Trust
- Your Australian Retirement Trust account
- Online access
- Super related
- Retirement related
- Access your super
- Contributions and tax
Why join Australian Retirement Trust?
Australian Retirement Trust is a fund that works for members, not shareholders, so we’ll work in members’ best interests and we're committed to returning profits to them as lower fees and better services. Whether our members are starting out their working life, already retired, or somewhere in between, we’ll guide them to help ensure they’re secure, confident and protected. We’ll leverage our size and scale to be a force for good to make our members’ world better, seeking out investments to guard and grow their savings and retirement income.
How will I know my employer is making contributions into my Australian Retirement Trust account?
To check your employer is making contributions to Australian Retirement Trust, login to Member Online and check your transaction history.
Please note your employer may make contributions on your behalf on a different schedule to your regular pay. For example, employer contributions might be made monthly or quarterly. It's best you check with your employer if you are unsure.
I have forgotten my password. How do I reset?
You can reset your password here.
Can I transfer my KiwiSaver to Australian Retirement Trust?
Deciding to accept transfers is up to each super fund. Currently Australian Retirement Trust does not accept transfers from New Zealand funds.
However, Australian Retirement Trust will transfer your super account to your chosen New Zealand fund provided they will accept the transfer.
What is a 'Transition to retirement' account?
If you aren’t ready for retirement but would like to start working less, once you’ve reached your preservation age, an Australian Retirement Trust Transition to retirement Income account can allow you to supplement your income with regular payments from your super savings while you transition to full retirement.
I have left Australia permanently. How do I access my super?
If you’ve entered Australia on an eligible temporary resident visa you may be eligible to withdraw your super as a Departing Australia Superannuation Payment (DASP) once you’ve left Australia. You can apply to claim your account, subject to withholding tax if you:
- are not a citizen of Australia or New Zealand or a permanent resident of Australia, and
- have left Australia and your visa has either expired or been cancelled.
Using the Australian Taxation Office's (ATO) online facility is the easiest way to claim your super and there is no fee to have your immigration status verified.
How do I make voluntary contributions?
Salary sacrifice is a simple way you can add to your super and help it grow faster - it also has some great tax benefits.
Salary sacrifice contributions are before tax payments you set up through an agreement with your employer. The super contributions you make before tax (concessional) are taxed at 15%.
Before you commit to salary sacrifice, you can see how it could work for you, by using our contributions calculator.
If you are unable to find the answer to your question, please call us on 13 11 84.
* Taxes may be payable in foreign countries in respect of income derived from non-Australian investment earnings, and a penalty tax on notional earnings may apply if you have a high total balance in one or more superannuation retirement pensions.