Main region

Trusted by more than 180,000+ employers and 2.3 million members around Australia

8.4% p.a.

Returns over the last 10 years1

Rated outstanding value

10 years in a row by Canstar

$1.20 weekly admin fee

+ 0.10% p.a. + 0.07% from general reserves

Compare performance and fees

Our Balanced option has delivered 8.4% p.a. over the 10 years to 30 June 2023, outperforming the comparative industry median over 1, 3, 5, 7 and 10 years.1

You can compare Australian Retirement Trust Super Savings account performance to other super funds on an "apples to apples" basis with Chant West's AppleCheck.

Compare us with AppleCheck


3 years


5 years


7 years

8.4% p.a.

10 years

A big fund with the heart of a small fund

With 2.3 million members, we're one of Australia's largest super funds.

And because we're profit-for-members and an industry super fund, we can give back profits to members as low fees and better services.

With so many members, we've been able to do great things, like lowering our admin fees shortly after we merged.

Backed by a crowd of awards and top ratings

From your first day of work and throughout your retirement, enjoy products and services that are backed by a crowd of awards and top ratings.

Canstar outstanding value 2023 superannuation award logo
Outstanding value

Our Super Savings Accumulation and Income accounts have won multiple Canstar awards over many years for outstanding value for money.2

Money Magazine Retirement Innovator 2023 logo
A confident retirement

Our retirement products have won several awards for innovation. So you can relax, knowing we'll help you make your super last.3

Long-term performance

Performance is important, so we're proud of our Balanced option's performance rating – 20 years in a row.4

When you're looking for the best super fund for you...

Your superannuation is designed to grow with you for your future, so it's important to choose a super fund that helps you achieve your goals.

Join today
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Start saving more

Your membership includes deals and discounts on your shop, financial advice to help grow your super and plan your retirement, and flexible insurance.

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Easy-to-use apps

We make your super easy and convenient, with the Australian Retirement Trust mobile app, and live web chat. You can do most forms and transactions online.

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Caring about equality

We work hard to aim to reduce super barriers for low income earners, women and non-binary people, and Aboriginal and Torres Strait Islanders.

Let's recap how to compare super funds


When comparing super funds, MoneySmart recommends looking for a super fund with good performance over at least 5 years.


Weigh up the administration and investment fees and costs, and the quality of customer service you get for those fees.


If you want insurance on your account, make sure it's affordable and includes enough death, disability, and income protection cover.


To compare all the details about our products, read the product disclosure statement (PDS).

View all comparison tips
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Experience the difference today

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, 30 June 2023. 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). Consider the Super Savings product disclosure statements and TMDs before deciding.

2. Awards are only one factor to take into account. The award is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance.

3. Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Go to for details of its ratings criteria. Ratings are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.

4. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved.