What to look for in your Annual Statement
Updated on 3 September 2025 | 5 minute read
If you only check your super once a year, there’s no better time than when you get your Annual Statement. And now that we’ve sent you your Annual Statement, here are some important things to look for when you’re reading it.
You can read your 2025 statement through the link in the email we sent you, or any time through Member Online.
Here's how
Log in to the ART app
Select ‘My account’, then 'Statements and letters' (if accessing through Member Online through the browser, this will be ‘Your account’)
Select ‘Access statements and letters’
Choose your 2025 ‘Annual Statement’ (make sure it's the PDF).
Note: For Member Online through the website, skip Step 3.
Your account summary
The first page of your Annual Statement is a summary of your account over the past year, showing your account balance at the beginning of the financial year (or the date your account was opened) compared with your closing balance at the end of the financial year, and the transactions and investment earnings that make up the difference. There’s more information about these amounts further into your Annual Statement.
The front page also shows you the long-term returns for the investment options you’ve chosen. As your investment with ART could last decades, it’s important to focus on the longer-term returns achieved, instead of the short-term ups and downs of the market.
Retirement forecaster
Most of our members will receive a ‘Retirement Forecast’ on page 2 of their Annual Statement. This is where we use your account information to estimate what your super balance might be when you reach age 67. You can use this estimate to get an idea of whether you’re on track for the type of retirement you want.
We have to make assumptions about some things to give you this estimate though, so if you want one more tailored to you, use our Retirement Calculator online – there you can change the settings to suit your circumstances better.
Note: Not all Annual Statements will contain this forecast. There's a number of reasons why some Annual Statements won't include a forecast, including that you already have an Income account, or there's account information that we believe would make your estimate inaccurate.
Check how your money was invested
This section shows where your money was invested and the value of your holdings in that investment option at the end of the financial year. A unit is like a ‘share’ in a company, except in this case you buy units in your chosen investment option(s).
It also shows how much your investments earned and the net return after fees and costs to 30 June 2025. For more information on investments and unit price calculations, refer to the Notes to your Annual Statement.
Review your contributions
Your statement also includes detailed information about the transactions made on your Super Savings account during the year.
If you’re employed, check to make sure you’ve received regular contributions from your employer. If you’re topping up your super with salary sacrifice or voluntary contributions (after-tax), or you’ve rolled money in from other super funds, make sure they’re on there too.
Check your insurance
Your Annual Statement will show what type(s) of insurance you have, how much you’re covered for, and what your fees and premiums are. Make sure that your age and gender are shown correctly here, because if we have the wrong details on file, it could impact your insurance cover.
To learn more about the insurance you have, or what’s available, check out your relevant Insurance Guide.
Check your beneficiaries
Make sure you’ve nominated a beneficiary and that your nomination is up to date, because this is what we use to determine who will get your super (and any insurance you have) when you die. That’s because your super doesn’t automatically form part of your estate.
We made some changes to beneficiary nominations recently, which you can read more about in the Notes to your Annual Statement. Otherwise, there’s more information about beneficiary nominations and our recent changes on our website.