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Reconciliation Action Plan

Listening, learning, and working together for a better future

What is a Reconciliation Action Plan?

A Reconciliation Action Plan (RAP) is an organisation's formal commitment to reconciliation.

It shows how we will work to strengthen relationships, respect, and opportunities with Aboriginal and Torres Strait Islander peoples, both in our business and in the community.

For Australian Retirement Trust, our RAP is our plan for how we'll learn more about First Nations peoples, cultures and histories, and begin working to improve economic equity.

As one of Australia's largest super funds, we know it's important for us to learn from the communities we serve, about what happened in our past and what should happen in our future.

The 5 dimensions of a Reconciliation Action Plan

Reconciliation Australia's vision for reconciliation is based on, and measured by, 5 dimensions:

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Race relations

All Australians understand and value Aboriginal and Torres Strait Islander and non-Indigenous cultures, rights and experiences, which results in stronger relationships based on trust and respect and that are free of racism.

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Equality and equity

Aboriginal and Torres Strait Islander peoples participate equally in a range of life opportunities and the unique rights of Aboriginal and Torres Strait Islander peoples are recognised and upheld.

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Institutional integrity

The active support of reconciliation by the nation’s political, business and community structures.

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An Australian society that values and recognises Aboriginal and Torres Strait Islander cultures and heritage as a proud part of a shared national identity.

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Historical acceptance

All Australians understand and accept the wrongs of the past and their impact on Aboriginal and Torres Strait Islander peoples. Australia makes amends for past policies and practices to ensure these wrongs are never repeated.

What type of RAP do we have?

At Australian Retirement Trust, we have a Reflect RAP. This is the first of 4 stages in Reconciliation Australia's RAP Framework.

This first step is designed for organisations who are just beginning their reconciliation journey. So we worked with First Nations Advisory on understanding where we are, and where we want to go, with our Reflect RAP.

Through our first RAP, we will deepen our understanding of Aboriginal and Torres Strait Islander peoples, histories, and cultures – and work to embed reconciliation in our culture.

By learning the needs of our Aboriginal and Torres Strait Islander members, we can work with them to find ways to improve their retirement outcomes.

And by building relationships with Aboriginal and Torres Strait Islander peoples and organisations, we can find ways to become a more diverse workforce.


Reconciliation at Australian Retirement Trust

We’re excited to share ART’s first Reconciliation Action Plan (Reflect). And we look forward to working with Aboriginal and Torres Strait Islander peoples to embrace reconciliation in all areas of our business.

We believe in an equal and inclusive community where all Aboriginal and Torres Strait Islander peoples can retire well with confidence.

We currently have offices in Meeanjin (Brisbane), Warrane (Sydney), and Narrm (Melbourne). And many of our team live and work on the lands of the Turrbal, Yuggera, Gadigal, Boon Wurrung, and Woiwurrung (Wurundjeri) peoples of the Kulin Nation.

Reconciliation Action Plan PDF

Download our RAP to learn more about how we plan to do our part for reconciliation in Australia.

Download RAP

Some of our Indigenous partnerships

Visits to Indigenous communities

We visit remote Indigenous communities so we can work with these communities face-to-face. We can help them manage their super, and look for ways to improve our processes. When dealing with super funds and Australia’s financial systems, Aboriginal and Torres Strait Islander peoples face challenges including:

  • Proof of identity
  • Financial literacy
  • Meeting conditions for early access to super
  • Finding and combining multiple accounts
  • Accessing services with super funds
  • Sorting out accounts for family members who have died

Keep reading

Helping with proof of identity

Sometimes it is difficult for Aboriginal and Torres Strait Islander members to prove their identity. This is why we've created another way to prove identity, because every member deserves to be able to access their super and insurance. Members who don't have the forms of ID that super funds need, like a driver's licence, can now use our referee form instead.

Download this form

Acknowledgement of Country

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia, and their connections to land, sea, and community. We pay our respect to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

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1. 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, June 2022. 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). For more information about the benefits and risks of opening a Super Savings account, before deciding to acquire or hold the product, please consider the product disclosure statement (PDS) and target market determinations.