If you have more than one super account, you could be paying multiple fees. And multiple insurance premiums.
So why not combine all your super together? It's simple to do.Consolidate my super now
The less you pay in fees and insurance costs, the more you could have in retirement.
Avoid extra admin for yourself, with just one account to manage.
With one account, you always know where your money is, avoiding lost super.
The easiest way is in Member Online or the Australian Retirement Trust app. It only takes a few minutes.
If you haven't logged in before, you'll need to set up online access first.
Just to make sure it's really you. You'll need to give us your tax file number (TFN) too, if you haven't already.
That's it! We search for your other super and you tell us what to do with it.
Know all your super details? You can combine your super without logging into your account. You'll also need your TFN.Start now
If you want to combine only some of your super from another fund, use this. Fill it in, and upload or post it to us.Download form [PDF]
You can use SuperStream to transfer your super from a self-managed super fund (SMSF) to your ART account. Read more about SMSF transfers.
Before you consolidate superannuation
Is the timing right? Check if you’ll lose benefits like insurance or pension options before you rollover super to the one fund. Or if there are any tax impacts. And make sure your employer contributions go to the right fund.
More than 2.3 million Australians trust us with their super. That's because we're helping our members retire well with confidence.Why choose us?
Watch your super grow. Our Super Savings Balanced option has returned 8.4% p.a. over 10 years to 30 June 2023.1
We don’t pay shareholders. So we can give back profits to members as low fees and better services.
Got a question about combining your super? Check our frequently asked questions.
Consolidating your superannuation means you’re rolling all your accounts with different super funds together into one account.
Other names for this are:
After you transfer your other super to your Australian Retirement Trust (ART) account, make sure your employer is paying super into the right account.
You can send your ART account details to your employer online.
There are lots of benefits to consolidating superannuation, like:
Some potential disadvantages of consolidating super funds could be:
Once you’ve put in your consolidation request, we’ll contact your other super funds to transfer your money to us.
We’ll let you know when it’s all in your ART account.
You can log in to your account anytime with Member Online and our app. So you can keep track of your super and see any money that comes in.
The time it takes can be different between funds. But we’ll do our bit to make sure your super’s combined as quickly as possible.
Transferring part of your before-tax contributions to your spouse is known as contribution splitting. You can do this using the Contribution Splitting Advice form.
Or you can make a spouse contribution. This is when you pay money into your spouse's super account from your after-tax income.
A transfer of superannuation to an ex because of divorce or separation is a little different.
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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.