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PDS and guides

The following documents may need to be read in conjunction with each other. Target Market Determinations are located at

Super Savings PDS and guides:

 Super Savings PDS and Membership application form

A summary of the important information you need about your Australian Retirement Trust Super Savings account, including insurance and fees. 

 Super Savings guide

Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.

 Super Savings Insurance guide

Details of the insurance options available. Note that our insurance offering changes from time to time. Different features, benefits and terms may apply to members who joined before the guide’s issue date. Contact us for a copy of the Insurance guide that applied when you became a member, and any notifications of insurance changes that we have previously sent you.

 Super Savings Investment guide

Details of the investment options available to you, and information on determining your investor needs.


If you are part of the Super Savings Ex-IAG & NRMA plan, please visit your microsite for your Super Savings PDS and guides. 


Super Savings – Business PDS and guides

Visit Super Savings – Business for the Business PDS, guides and other information about Super Savings – Business. For more information on your Business plan please visit your employer’s Australian Retirement Trust microsite or contact us.


Super Savings – Corporate PDS and guides

For Super Savings – Corporate PDS, guides, updates and other information visit your employer’s Super Savings – Corporate microsite or contact us.


Important PDS updates

We also provide a summary of significant event and material change notifications issued to members for the past two years. 

Target Market Determinations (TMDs)

Australian Retirement Trust is required to provide Target Market Determinations (TMDs) under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This act ensures our approach to the design and distribution of our financial products keeps member objectives, individual financial situations and needs in focus.