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7.9% p.a. returns over 10 years

Our Super Savings Balanced option returned 7.9% p.a. over 10 years to 31 December 2023.1 Just one of the reasons to enjoy it here.

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You'll love our award-winning products and services

Over 140 years' of combined experience

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

Stronger performance over the long term

We're proud of our Balanced option's performance rating,1 20 years in a row.

Focused on lower admin fees and costs

$1.20 admin weekly fee, plus 0.10% p.a, plus 0.07% p.a. from general reserves (not your account).

PLUS voted best super fund by financial advisers

Financial advisers have named us Best Super Fund at the 2023 SuperRatings Super Fund of the Year Awards.

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Do you want strong long-term returns?

With a 8.3% p.a. return over 10 years to 31 March 2024 for our Balanced option,1 rest easy knowing our experienced investment team is working hard to grow your retirement savings.

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

How do we compare?

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 per year are to 31 December 2023.

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

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Save money with member deals and discounts

As a member with us, you'll get access to more than 3,000 exclusive deals, with our Member Rewards.

Award-winning super, designed for more

From your first day of work and throughout your retirement, enjoy products and services backed by a crowd of awards and top ratings.

Canstar innovation award badge


We've got a 5-star record for outstanding value retirement products.

Finder award badge


Looking for a fund others recommend? We're rated #1 for customer satisfaction.

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Chant West

Don't settle for less than a 5-Apples rating for making your super last, advice services, and more.

SuperRatings award badge


The judges agree our focus on strong long-term performance has created great results.

Morningstar award badge


We've been awarded the Morningstar Medalist Rating™ of Silver.

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Heron Partnership

Our award-winning investments and insurance provide a range of quality options for you.

Rainmaker award badge


You deserve AAA-rated quality in your super account fees, insurance, investments, and more.

We've achieved so much. Join us and see why we won these awards.

Still not convinced?

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

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Get expert financial advice2

You can access financial advice about your Super Savings account – the cost is included in your ART membership.3

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Manage your account 24/7

Access your account at your fingertips, get notifications, and more with the ART mobile app.

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Supporting you to and through retirement

From your first day of work and throughout your retirement, enjoy award-winning products and services.

Join Australian Retirement Trust today, it only takes 3 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 get 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 March 2024, our Super Savings Balanced option returned 8.3% p.a. (Accumulation), 8.3% p.a. (Super Savings Lifecycle Investment Strategy - Balanced Pool), and 9.1% 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 March 2024. 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. You can find out more at or by calling us on 13 11 84. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at for more information
  3. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees of the Australian Retirement Trust group. The Trustee is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.

© Australian Retirement Trust. All rights reserved.

Acknowledgement of Country

We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.