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Safeguarding your superannuation sits at the heart of everything we do

2.3 million

members trust us

Total members as at January 2024

7.9% p.a.

strong returns over 10 years.1

Returns for our Super Savings Balanced option (formerly Sunsuper Balanced option).


admin weekly fee, plus 0.10% p.a, plus 0.07% p.a.2

Legacy of multi-year industry awards

Australian Retirement Trust’s Super Savings account has been awarded Canstar’s Outstanding Value Award for 2023 based on performance, fees and product features. Australian Retirement Trust has adopted the same products, services and investments as Sunsuper. We proudly held Canstar’s Outstanding Value Award from 2011 to 2023.3

Choose investment options that grow with you

Different life stages have different investment needs. With this in mind, in our default Lifecycle Strategy option, we'll invest your super in a balanced mix of assets and gradually move you to lower risk assets as you approach retirement age.

Investments Explained

Proudly supporting rural and regional communities

As a members-first fund, Australian Retirement Trust supports hard-working communities and multiple industries in regional sectors throughout Australia.

Enjoy discounts and rewards from top brands

You can access exclusive offers and discounts from top Australian brands so you can save on things that matter today.

View more rewards

Join Australian Retirement Trust today, it only takes a few minutes

The right choice today could make a big difference to your future.

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For more information about the benefits and risks of opening a Super Savings account, before deciding to acquire or hold the product, please consider the Super Savings Product Disclosure Statement for Accumulation account and target market determinations.

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. Percentage-based fee applies to the first $800,000 of your Super Savings Accumulation account balance only. The 0.07% p.a. is deducted from the Fund’s general reserve (not from your account). Does not include investment fees and costs. Refer to the Super Savings Accumulation Guide for investment fees and costs applying to each investment option.

3. Australian Retirement Trust has adopted the same products, services and investments as Sunsuper. See our ratings and awards information.

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