Let's start with the basics
Knowing how super accounts work is the first step to taking control of your savings.
When you become an Australian Retirement Trust member, you get a Super Savings Accumulation account.
Types of super accounts
We offer a few different superannuation account types. You can have more than one type, depending on where you are in your working life.
Accumulation account
Where your super goes, and grows, during your working years. Watch it accumulate!
Income accounts
Turn your super into a flexible income when you're retired, or nearing retirement.
Lifetime Pension
Turns your super into a regular income for life once you're retired, so your super won't run out.
What's great about having an account with us
Super Savings accounts make super easy to manage across your whole lifetime.
Benefit from our focus on:
Lower fees
Strong long-term investment returns
Outstanding services
Which phase of superannuation are you in?
Our accounts help you make the most of the 2 phases of superannuation: the accumulation phase, and the retirement phase.
Accumulation phase
This is when you're still working and growing your super, and haven't retired yet.
Super Savings Accumulation account: The account you'll have during this time. It's got everything you need to grow your super, your way. It's a highly-rated product that's much more than just a superannuation savings account.
Investment choice
With a range of options to choose from, take full control or leave the investing to us. Which one suits you?
Insurance cover
Enjoy financial security through your super so you're covered if life doesn't go to plan.
Financial advice
Get advice about your super account from a qualified financial adviser as part of your membership.1
Easy access
24/7 access to your account via our app or Member Online.
Member support
Tap into member-only seminars or call our local team if you need help.
Open to everyone
Enjoy a super account that's open to all Australians, no matter where you work.
Retirement phase
This is when you can start withdrawing your super, whether you're nearing or in retirement.
Retirement accounts: Set up an Income account (pension) to pay yourself in retirement. We’ll help you have the retirement you've been planning with our Income account and Lifetime Pension.
Nearing retirement
Transition to Retirement Income account
Start using your super while working to save more or work less hours.
Get payments while still working
Keep growing your super
Flexible payment options
Retired
Retirement Income account
Gives you the flexibility to change payments and withdraw money anytime.
Income as long as you have a balance
Choose your investment options
Works with other pensions
Retired
Lifetime Pension
Adds security in retirement with a regular income for life and money-back protection.
Never runs out
Possible Age Pension benefits
Payments adjusted yearly
Ready to open a Super Savings account?
We look after millions of Australian super accounts to help our members live their best retirement. So you can be sure your super's in safe hands with us.
Compare account types
Not sure which of our accounts is best for you? Check their different features to see which ones might suit your needs. You can use our accounts on their own or in a combination that suits your super.
| Super Savings Accumulation Save while you're working | Transition to Retirement | Retirement Income | Lifetime Pension | |
|---|---|---|---|---|
| Age available | All ages | Preservation age up to 65 and still working | Preservation age and retired, or age 65+ | Between 60-80th birthday |
| Regular income payments | ||||
| Income for life | ||||
| Withdraw lump sums |
Conditions apply | |||
| Change payment frequency and amount | ||||
| Choose investments | ||||
| Tax-free investment returns over age 60 (generally) | N/A | |||
| Tax-free withdrawals over age 60 |
Conditions apply | |||
| Tax-free income payments over age 60 | ||||
| Potential boost to Age Pension | ||||
| Accept contributions |
