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Over 140 years’ combined experience

Australian Retirement Trust, a merger of two top performing super funds, QSuper and Sunsuper.

Over 2.3 million members

Join over 2.3 million others and put your super, somewhere more super.

Committed to lower admin fees and costs

$1.20 admin weekly fee, plus 0.10% p.a, plus 0.07% p.a. from general reserves.

Why switch to Australian Retirement Trust?

24% of Australians have 2 or more super accounts (ATO, 2022). Are you one of them? Having multiple super accounts could set you back thousands of dollars during your working life. It’s worth looking into combining your super into one fund, as it’s never been easier. Combining your multiple super funds into one account is an important step in growing your retirement savings.

Legacy of multi-year industry awards

Do you want strong long-term returns?

With a 8.4% p.a. return over 10 years to 30 June 2023 for our Balanced option,1 rest easy knowing our experienced investment team is working hard to grow your retirement savings.

Join Australian Retirement Trust

Join over 2.3 million Australians who trust Australian Retirement Trust with their superannuation savings

Our awards

Outstanding value super

OurSuper Savings Accumulation and Income accounts have won multiple awards over many years for outstanding value for money.

Long-term performance

Performance is important, so we’re proud of our Balanced option's performance rating,1 20 years in a row.

Chant West award

Making your super last

As a profit-for-members super fund, we put our members first, with awards and 5 Apples ratings for making your super last.2

We're transparent, and so are the agencies who rate us

We're happy to share the ratings we've received from agencies including Canstar, Lonsec SuperRatings, Chant West, Heron Partnership, Morningstar, and more.

These are all agencies that focus on research and ratings, tracking data from all across the superannuation industry.

Award Brands
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Still not convinced?

Get the right tools and advice to take charge of your super today:

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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.

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 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.

1. In 2022–23, our Super Savings Balanced option returned 10% for Accumulation accounts, 9.9% for the Lifecycle option's Balanced Pool, and 11.1% for Income accounts. Over 10 years, it returned 8.4% p.a. (Accumulation) and 9.3% (Income). The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. 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%. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 30 June 2023. 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. 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 Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned 17 May 2023) is limited to general advice only and has been prepared without considering your objectives or financial situation, including target markets where applicable. The rating is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. You should seek independent advice and consider the PDS or offer document before making any investment decisions. Ratings have been assigned based on third party data. Liability is not accepted, whether direct or indirect, from use of the rating. Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not an indication of future performance. Refer to for full ratings information and our FSG. Chant West Awards issued 17 May 2023 are solely statements of opinion and not a recommendation in relation to making any investment decisions. Awards are current for 12 months and subject to change at any time. Awards for previous years are for historical purposes only. Full details on Chant West Awards on Chant West website.