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.
You've opened your account, and your welcome pack is now on its way to you.
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.
9.28% p.a.
Returns over 10 years1
Our High Growth option has returned 9.28% p.a. over the 10 years to 30 June 2024.1 We've outperformed the industry median over 1, 3, 5, 7, and 10 years.1
Looking for a fund others recommend? We're rated #1 for customer satisfaction according to Finder. And financial advisers voted us Best Super Fund at the 2024 SuperRatings Super Fund of the Year Awards.
There are 2 things you'll want to do after your super account is all set up:
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.
Then sit back and relax, knowing you've done everything you need to, and your super's in good hands. Well done!
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 2.4 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:
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).
There's more than 2.4 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 30 June 2024, our High Growth option returned 9.28% p.a. Our returns are after Investment fees and costs, Transaction costs and where applicable, investment taxes, but before administration fees and costs. From 1 July 2024 the Lifecycle Investment Strategy pools changed, with members under age 50 invested 100% in the High Growth Pool. Members over age 50 transition into a mix of High Growth, Balanced and Cash pools over time. Refer to the Investment Guide for more information about the Lifecycle Investment Strategy. From 1 July 2024, for members under the age of 50, the Lifecycle Investment Strategy invests 100% in the High Growth Pool. The High Growth Pool commenced on 1 July 2024 and has identical investments to the High Growth option. To show the returns for the High Growth Pool up to 30 June 2024, we have used the returns of the Growth option (which commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option) for periods prior to 28 February 2022. Actual returns will differ for individuals. Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index, 30 June 2024. The SR50 Growth (77-90) Index comprises selected investment options with a similar asset allocation to growth style assets between 77-90%. 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). 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.