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No matter what life stage you are at, getting familiar with your super will help to ensure you’re on track for the retirement that you desire.

What is superannuation and how does it work?

Superannuation is a compulsory system where a percentage of your earnings is placed into a super fund in order to build savings for your retirement.

What is superannuation?

How do I join Australian Retirement Trust?

Join Australian Retirement Trust online using the link below, it takes just a few minutes!

Join online

Taking the first steps

Choosing a super fund

When choosing a superannuation fund, there is no one-size-fits-all. It's best to look at both fees and investment performance, and the benefits and tools on offer to see how much better off you will be.

How to compare super funds

Changing super funds

You have a choice as to which fund your super goes into. Your employer generally has a default fund, however you do not need to have your super go into that fund. You can instead go with your preference.

Why choose Australian Retirement Trust?

Find and consolidate your super

Consolidating your super accounts will simplify your fees and will allow you to better keep track of your super, to make the most of it for the future. Our member consolidation tool searches for lost super and can help to combine your funds in minutes.

Consolidate your super

Super strategies for your stage in life

Making super contributions

When it comes to growing your superannuation account balance, a little extra can go a long way. By law, your employer must contribute at least 10.5% of your earnings into your super account. However, 10.5% may not be enough to provide for a comfortable retirement, so there are several additional super contribution options available.

Add to your super How much super should I have?

Accessing your super

Understanding how and when you can access your super can be helpful in planning for your future. Your super is designed to fund your retirement, so it’s generally only possible to withdraw your super when you have reached a certain age and retired. However, there are special circumstances for accessing your super early.

Access your super

Getting ready to retire

As you approach the end of your working career, it’s a great time to take stock and think about how you want to live your retirement. Whether you’re thinking about transitioning into retirement, or you're ready for retirement now, preparation is key to ensure you will have a financially secure future.

Get ready to retire