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Strong returns

Our Balanced option returned 7.9% p.a. over 10 years1 to 31 December 2023.

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Trusted by 2.3 million

Join 2.3 million Australians and more than 180,000 employers around Australia. Put your super, somewhere more super.

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Focused on low fees

Our admin fee is now $1.20 a week + 0.10% p.a. (and 0.07% p.a. from general reserves, not your account).

Top-performing

Our long-term performance – while it's no guarantee of the future – has given our 2.3 million members a good chance to grow their super. We've outperformed the industry median over 1, 3, 5, 7, and 10 years.1

And when you're with a profit-for-members super fund like us, profits come back to you as lower fees and better services. Check out our full range of investment options.

Top-rated investment returns

SuperRatings Platinum Performance rating 20 years in a row.2

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  • ART Balanced

    Industry Median

  • 1 year

    10.2%

    9.6%

  • 3 years (p.a.)

    7.8%

    5.9%

  • 5 years (p.a.)

    8.3%

    7.1%

  • 7 years (p.a.)

    7.9%

    6.7%

  • 10 years (p.a.)

    7.9%

    6.8%

Returns are to 31 December 2023. The industry median is the middle point when comparing super funds.

More than just performance

Returns are obviously important to grow your super. But the best super funds don't stop there, so make sure you're getting a good deal in all areas.

Award-winning

We're backed by a crowd of awards and top ratings over the years. So you can relax, knowing we'll help you make your super last.3

Canstar 2023 award Canstar 2022 award Money Magazine 2023 award
Our awards and top ratings

Save money now, have more later

Your membership includes deals and discounts on your shop, and financial advice to help grow your super and plan your retirement.

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A big fund with the heart of a small fund

With 2.3 million members, we're one of Australia's largest super funds, and one of the top 25 pension funds around the world.4

We care about every member's retirement, and we work hard for our community.

Like creating a better retirement for women and non-binary people, Aboriginal and Torres Strait Islanders, and low income earners.

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Experience more today

Don’t keep wondering whether you’d be better off with us – find out for yourself. It takes less than 3 minutes to join.

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Awards are only one factor to take into account. The award is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance.

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. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved.

3. Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Go to moneymag.com.au for details of its ratings criteria. Ratings are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.

4. In 2022, Australian Retirement Trust was the 22nd-largest pension fund in the world based on FUM ($) invested in Sunsuper and QSuper following our merger in February 2022. Source: Pensions & Investments and the Thinking Ahead Institution, Global top 300 pension funds: A Thinking Ahead Institute and Pensions & Investments joint study, September 2022.