Main region

Tips to help you make the most of your online super experience

Having everything you need at your fingertips can save you time and effort, especially when you start thinking about your future plans and how you’re tracking for retirement.

Reading icon

3 minute read

1. Set up online access

Connect to your super in a way that suits you, with online access to your super account through Member Online and the Australian Retirement Trust app.

If you’re already an Australian Retirement Trust member and don’t have online access, you can set up your online account in three simple steps.

2. Download the Australian Retirement Trust app

The app gives you access to your Australian Retirement Trust account information at the touch of a button. Check your balance and transaction history. Combine your super and see how your investments are performing. Check on your insurance details and beneficiaries, and pass on your super details to your new employer when you’re changing jobs. All of this and more is available at your fingertips, wherever you are, whenever you want it.

3. See how you’re tracking

Want to get an idea of how much super you might need to fund your retirement? Work out when you can stop working? Or simply play around with some scenarios? Our online retirement planner and calculator will help you picture your retirement outcome.

4. Verify your identity

Save time and secure your account using your driver license, Australian passport or Medicare card with our Identification Document check.

5. Update your beneficiaries

It’s important to let us know who you’d like to inherit your retirement savings and any insurance benefits should the worst happen. You can nominate or update your beneficiaries in Member Online or via the Australian Retirement Trust app to ensure your money ends up where you want it to go.

6. Stop paying extra, unnecessary fees

If you’ve got more than one super fund, it’s likely you’re paying multiple sets of fees. You can consider consolidating1 all of your super into one fund with only one set of fees. Just choose ‘Consolidate your super’ in Member Online or via the Australian Retirement Trust app and we’ll step you through the process.

7. Review your investment options

Super is a long-term investment and your investment needs will likely change over time. Our default investment option, the Lifecycle Investment Strategy, takes into consideration your changing investment needs as you progress through life. While you’re younger and working, it’s designed to generate wealth over the long-term. Then, as you approach retirement, we gradually transition your investments to lower risk options to help safeguard your savings and provide a stable, ongoing return once you finish work.

Whatever investment option you’re invested in, you can keep track of how it’s performing in Member Online or via the Australian Retirement Trust app.

If you’re a hands-on investor, you can also use Member Online or the app to change how your current account balance or future contributions are invested.

8. Check your insurance cover

Life’s full of changes, so it’s important to check your level of insurance cover to ensure it’s adequate for you and your family’s needs. You can also check your insurance premium. You can do this by logging into Member Online or the Australian Retirement Trust app. If you're unsure how much cover you need, you can use the insurance needs calculator. You can also get a quote to see how much your insurance might cost. If you find you need more cover or have specific insurance needs, you can apply for Tailored cover.

9. Update your details

Keeping your address, email and phone number up-to-date will ensure you remain connected to us and your retirement dreams. So, if you have recently married or separated and changed your name, or if you have changed address or your contact details, don’t forget to let us know. You can check and update most of your personal information and contact details if anything changes in Member Online and via the app.

10. Set up an Income account

If eligible, you can open an Income account, manage your income payments, or withdraw money from super account in Member Online.


1 Before combining your super, consider the potential loss of insurance and other benefits that you may have with your existing fund. Also, think about where your future employer contributions will be paid.