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How to join a super fund

So, you need to make a superannuation account. Don't worry, it takes less than 5 minutes, and you can do it all online.

There are just a few steps to apply for a Super Savings account with us. When we create your account, it's an Accumulation type of super product, which is where your super goes before you retire.

Open an account

Follow these easy steps

  1. Read the PDS to check it's right for you.
  2. Go to the join page.
  3. Create your login for Member Online and the app.
  • Congratulations!
  • You've opened your account, and your welcome pack is now on its way to you.

Why open a super account with us?

When you're with one of Australia's largest super funds, you get all the benefits of a big fund, plus the caring heart that comes with being profit-for-members.

Focused on strong performance


7.9% p.a.

Returns over 10 years1

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.

Award-winning value


Our Super Savings accounts have won multiple awards over many years, including Canstar's highest 5-star rating for outstanding value.2

What do I need to do now I've opened my super account?

There are 2 things you'll want to do after your super account is all set up:

1
Tell your employer

Let your employer or payroll know your new super account details.

Use this form

2
Find and combine

You may have accounts with other super funds. Consider combining any previous super accounts into your new account.

Before you consolidate your super, please consider if the timing is right and if you will lose access to benefits such as insurance or pension options, or if there are tax implications.

Combine online

Then sit back and relax, knowing you've done everything you need to, and your super's in good hands. Well done!


Frequently asked questions (FAQs)

Here's some frequently asked questions about opening a super account.

The best super fund for you depends on what you need. The best-performing super funds will offer the performance, fees, investment options, insurance, and financial advice to help you make the most of your super.

Our 2.3 million members choose us to grow their super because they know we put them first in everything we offer.

The right super fund for you depends on what you need, but there are a few things you should look for in a super fund. It’s important to check:

  • Fees
  • Performance
  • Investment options
  • Pension options
  • Insurance (if you need it)

Compare the benefits you can get with us.

You can definitely still open a super account after turning 65, and you can both add money to it yourself or have your employer pay super into it. The rules for what you can do with your super account change at different ages. At 75, you stop being able to add extra money to your super yourself.

You might want to get financial advice about what's right for you when opening a super account after 65. When you're a member with us, the cost of financial advice about your account is included with your membership.

All Australian workers can join a super fund and open an account if they're an employee of a company (including if they're self-employed). And most contractors and temporary residents on a work visa should also get super.

Most people open a super account when they begin work and their employer starts paying super for them. (Although if you're under 18, your employer only pays super if you're working more than 30 hours a week.)

Some super funds only let you open an account if you're working in a particular industry or for a certain employer. But we're not like that – anyone can join Australian Retirement Trust (previously Sunsuper).

Open your account now

There's more than 2.3 million people who are growing their super by joining our fund. And you can too! Take control of your future today.

1. Over the 10 years to 31 December 2023, our Super Savings Balanced option returned 7.9% p.a. (Accumulation), 7.9% p.a. (Super Savings Lifecycle Investment Strategy - Balanced Pool), and 8.7% 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 December 2023. 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 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. 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 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.