What difference does a low fee super fund make?
When you have low super fees and costs on your super account, it could mean more money to spend in retirement.
0.5% more in fees
=
$100,000
less super at age 67
Based on a typical full-time worker. Figures from the Productivity Commission.
Our admin fees
Our admin fee is $1.20 per week + 0.10% p.a. Other admin fees may apply but they aren't charged to your account.
Annual fee cap
We only charge the admin fee of 0.10% p.a. on the first $500,000 of your account balance.
We're profit-for-members
We don't pay shareholders. Our profits go straight back to members as better value products and services.
We're transparent in our fees
ART invests and looks after your super until you can access it. And the fees you pay help us do this. To understand what you're paying for, here's a breakdown of each type of fee:
Estimate your fees and costs
How do you know if you're with a low fee super fund? Use our fees calculator to get an idea of the fees and costs you'll pay from your ART account over a financial year.
Case study example: Blair
Blair is 28 years old and has all of their super in the ART Super Savings High Growth investment option. Their current super balance is $50,000.
For the purpose of this example, let's assume the balance stays the same over the financial year. Blair also doesn't have any insurance on their super account, so there's no insurance premiums or advice fees to pay (these would be separate costs).
Want to see a breakdown on Blair's fees and costs?
| Fees and costs type | What we charge2 | Fees for a $50,000 balance |
|---|---|---|
| Admin fees and costs | $1.20 p.w + (0.10% p.a + 0.05% p.a*) | $147.40 p.a ($62.40 p.a. + $75.00 p.a) |
| Investment fees and costs | 0.65% p.a. | $325.00 p.a. |
| Transaction costs | 0.05% p.a. | $25.00 p.a. |
| Cost of product | $487.40 |
This example's an estimate only. Figures assume a 52-week year. The example shows annual fees and costs for our High Growth option. Extra fees may apply. The investment fees and costs include an estimate of 0.29% for performance fees. The actual amount of fees and costs can change depending on the investment option and other factors. See the relevant PDS for full details.
*When the admin costs exceed member admin fees collected, we meet these costs from our general reserve, not from your account balance or investments. We estimated this amount as 0.05% for the year ending 30 June 2025.
Look for more than just low super fees
The right super fund for you will depend on your current situation and your retirement goals. Low fees are important to think about when picking a super fund. But investment performance also matters.
This is where a combo of lower fees and strong performance works well. Together, they give you the boost you need for a better financial future.
When low fees aren't worth it
Imagine this... You're with a low cost super fund but your investments are underperforming year after year. It's not great for your balance.
In fact, you could end up with less super than if you were with a fund that had slightly higher fees but much better long-term performance.
So, what's ART's performance like?
We've outperformed the industry median for our High Growth option over 1, 3, 5, 7, and 10 years.1
Your investment options have a goal for the level of returns, which shows you how much money you might earn from the option. Each option has different fees and costs.
Past performance is not a reliable indicator of future performance.
Read the details in our Product Disclosure Statement and Guides.
8.79% p.a.
10-year annual return – High Growth option1
As at 31 March 2025
Make the most of your membership
Your membership gives you access to so much value. Make sure you're:
checking the member discounts on offer
watching our member webinars
getting the financial advice you need.3
Learn more about the benefits of membership when you're with ART super.
Not sure if you're with a low fee super fund? Compare us
It's easy to compare our fees, performance and benefits against other super funds.
